No westerner inside is obliged (4)

I believe the answer is:

owes

I'm a little stuck... Click here to teach me more about this clue!

'is obliged' is the definition.
I can't tell whether this definition defines the answer.

'no westerner' is the wordplay.
'OWES' is hidden in amongst the letters.
But, I'm unsure how this is indicated.

'inside' acts as a link.

Can you help me to learn more?

(Other definitions for owes that I've seen before include "Is indebted to" , "Is in debt to" , "Has to pay" , "still hasn't paid" .)

I've seen this clue in The Mirror.

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