Nabila Ernada is an Indonesian media artist and researcher. She is currently in her first year of the Social Design Masters program at Design Academy Eindhoven (NL). Previously, she earned a BA in Media Studies and completed a half-year residency at Fabrica Research Centre in Treviso (IT). She was trained as a communications specialist and social strategist at ID <love>

The Lending Machine  (Ver_1)
video art

The Lending Machine explores the precarious nature of Indonesia's booming fintech scene, particularly the dark side of P2P lending platforms. These platforms offer easy access to capital, mirroring the accessibility of a vending machine, but conceal exploitative practices. Undisclosed fees and intimidation tactics trap borrowers in cycles of debt, while their personal data is weaponized for profit or harassment.

This multimedia installation uses the vending machine as a metaphor for the deceptive ease of obtaining loans. Subtle notifications, mimicking the fine print on a candy bar wrapper, expose the hidden costs lurking beneath the surface. The accompanying essay by Fred Moten and Stefano Harney serves as a metaphorical receipt, a document that reveals the true cost of this financial transaction.