Office Hour
Go with Sena

My first job with Sena was to visit a guarantee from the Micro unit marketing division that had not paid installments for a long time. There are 3 years of not paying installments, stagnating, the language of the bank Collectibility 5. We as the Audit division ensure that all procedures for marketing reports and proposals are in accordance with applicable regulations, so that this case can be submitted to the auction unit. But if it is not in accordance with the procedure, in other words there is fraud on the part of the bank, then this case will go to civil court.

If you have entered the civil court, then the answer is only two. If we win, we can take the guarantee. But if we lose, the guarantee becomes the property of the customer, it means we bear a large loss plus fraud fines from OJK.

If we get into the auction unit, we'll help sell the house. If the house is sold high, then we will cover the loss, the difference is still we give to customers. But if the price of the house is below the predicted price, yes we still lose but the amount of deficiency is not very bad.

“Bank is complicated as well Mas,” sis Sena while listening to my explanation. We were alone on our way to the location.

Why did I bring this old man?

Because according to the story, Sena was a former criminal and the location we came to in the northern area of Jakarta is famous for its thuggish conditions.

“Hem, complicated anyway not yes if the customer listens well to the marketing explanation. Ask as clearly as possible, counting interest tuh how, later the guarantee diapain aja, the right of the customer tuh anya,” said I.

“But people if the minjem is usually in the condition of kepepet Mas, how would he want to think?”

“Sena... We are not a pinjol, we are not a cooperative, and not a property agent. People minjem to us for luxury goods, such as home installments, car installments, business capital. Impossible in tight condition,”

“Oh, that's it..”

“So people who are minjam to the bank are usually not for daily needs. But for secondary and tertiary goods. And we calculate the true income and needs of the Customer. Whether he can pay or even the installment is too heavy for him. But yaaa.. the risk of traffic jam will remain, economic conditions are unpredictable,”.

“So if there is a windfall yes Mas?”

“May we all have a lot of halal windfall so no need to borrow it to the bank or to anyone else,”

“And hopefully the debtor, the loan will be paid off immediately by the almighty, Aamiin,”

“Aamiin,”

And when we almost arrived at the entrance to the house that was a guarantee, Sena also gripped my arm, making me reflex to press the brake. Fortunately, there was no other vehicle behind.

“Why Sen?!” manya panic.

But Sena just looked at me seriously.

“Mas,” says.

“Sen?” manyu,”

“So gini, Dimas,” he whispered while looking at me with his brown eyes.

“Ya Sena?”

“Actually..”.

“Actually?”

“Actually..” Sena seemed to be breathing out in a daze.

I'm being deg-degan.

Why are his eyes looking at me so hard?

Why is he so serious?

What's he gonna say?

Is it related to personal things?

Then he also said. “This is the location of the base of Ormas, so it looks like we have to park a bit far in the parking lot of the shop there earlier that we passed it, better. And I think we have to change clothes with ordinary clothes because here many who hate the same Debt Collector. As far as I know they once clashed with DC from one of Finance,”

I'm not being stubborn either.

Because it is considered as serious as that man who is masculine level of a god like Sena, who is this heart does not break.

Sue’ really... My brain and heart were poisoned by her sharp gaze.

“Okeeeee..”

“And to be honest, Mas, I hate Debt Collector,” hiss Sena.

“We work in the Bank, Sen. And the Audit division handles collectibility,”

“Miris yes my life?”

I refuse to answer. The look or not of a person's life is determined from the level of sincerity.

**

“Waaahsang,” hiss Sena as we arrive at a house in one of the alleyways. With a typical rolling door stall blue color and display case that provides a variety of daily needs.

But the stall is dark.

“What's the matter Sen?” my hiss while lighting my cigarette. We've changed the clothes we bought at the shop next to the car we parked. He wore a black hoodie, further adding to his excitement. I wear a regular T-shirt that features a tattoo on my hand. I also don't want to lose out. Because my face compared to her felt se-menye.

“This is Mas' guarantee?”

“Iya..”

“ini hell fraud,”

“Fraud how?”

“Lo see items in storefront?’

“Iya? Cosmetics,”

“Yes yes, but is it wrong for men to sell cosmetics?!"

“Terus..” Sena embrace my shoulder, while making a sound slowly, “lo loam Mas, goods sold tuh color packaging is like faded that. And dusty,"

"Maybe they don't work?"

"Ck. lo positive thinking anyway,"

"I don't even know what you mean!" sahutku. Ni lakik if talking about why ngalor-sleeping really, I was so confused, where the laper pulak.

Tuh telor balado in the next warteg already calling for dicomot.

"I mean, nying, they sell drugs. And if they sell it at the house that is our guarantee, lo any auction will not anyone want to bargain because it is certain that new residents will get ter0r! The one selling so is definitely a syndicate!"

Yes, I was immediately dumbfounded.

But I still can't believe it until there's valid evidence.

"Ceile, who was selling was also a beller.." Sena muttered with a chuckle, she lurked carefully. In it the brothers of the shop again the gods.

"But we have to come, bro," my hiss. There must be documentation, the problem is.

"But the documentation is furtive yak, don't be blatant. This is the tribal thug area. Marketing lo there play the same gangster, the most disbursement money for drug selling capital,"

"The marketing has resigned,"

"Yes worse," Sena scratched her hair. "We're samperin, you see the proof yak,"

So we approached the stall that was dark in it. The door was only opened half.

There is a man who looks like a bulimic because he is very thin.

Inside the smell is musty.

"Bang," said Sena, "Sell no tissue?"

Why does it have to be tissue? But I just kept watching.

"Now" the brother handed him a 50-sheet paseo tissue.

"How much?"

"2 bamboo,"

I widened my eyes. Buses are cheap?! What is the loss of warung?! Tisue period 50 sheets for sale two bamboo?! Am I lost in the past? The 90s?!

Maybe here the factory is yes, so cheap. I'm still thinking positively.

But there is another thing that is most mindblowing.

"Nih bang," Sena gave up the purple, 10thousand.

Then the brother was silent for a moment while shaking strangely.

"Bang's return?" ask Sena.

"Ohiye," muttered the brother as he reached into the wallet in his pants pocket. His wallet was crazy. "So how much money is that?" tanyakanya.

"One hundred thousand," replied Sena.

I'm getting gawky.

"The change," And the brother handed over. Three pieces of blue money, @50thousand.

I want to talk but I desperately hold back.

"Second deh bang.Tramadol and aprazolam. Just a package," hiss Sena.

"Lo buy tissue also buy tramadol, want c0li two days, you?!" the brother stood up while taking the plastic containing many capsules.

Sena just chuckled.

"Your boyfriend didn't buy?!" ask him while walking. Maybe his blood in his brain had gone down into a snore so he was shaking.

"It's going to be made together" Sena sizzled.

"Fifty," said the brother.

Sena gave him 20,000 two bills.

Less than ten thousand but the brother said: thank you.

A thrilling experience.

We left there pretending to stagger. Then ran off on the road to the car park.

“Setting Tribe Chief,” I put my hands down when we both got in the car.

“Lah! Gratuity!” exclaim Sena while ngakak. But he also handed over the difference money from Abang Beler earlier.

“No gratification if I buy fried food for office people week,” I stick my tongue out.

“Njiiir!” sena Mummings.

It's good to win a lot alone, wekekek!