DRAGON CARVED JADE BRACELET
Chapter 168: BANK AFFAIRS

    Irul with Indra entered the government bank based in Lasem. The bank where his name is listed in the notice sheet attached to Babah Ho's house, which states that the house has been confiscated by the bank. Irul is indeed layman with bank affairs. But the ins and outs of Babah Ho's house, little did he know. Including Babah Ho's brother who had become his employer, while taking over Babah Ho's stall in Lasem Market. And it was his brother who often occupied the house every time they went to Lasem.

    The business of the bank, who understands it is Indra, who was once a bank employee, even though the bank is private. But the banking system should have similar rules. So Irul resigned completely to his wife to ask the problem of the seizure.

    Once inside the bank room, Indra who was with her husband immediately met the person sitting in the bank office, who was directly facing the entrance. In the bank there are no writings like in his place of work Indra used to. Only on the far left, which was covered in glass, was the inscription "Cashier". If in the bank of the workplace Indra at that time there were parts that were given writing, such as, Teller, Customer Service, Staff Back Office, Account Officer , Sales Officer, Funding Officer and Auditor. But in this bank clearly visible only the writing of the cashier, which if in place Indra used to be called teller. Indra asked the officer who directly passed by the person entering, who was next to the bank cashier.

    "Sorry, sir ..., for the part that deals with the issue of collateral confiscation where, yes?" ask Indra to the officer.

    "O, that's .... To the fat father, who handled the problem of bad credit." replied the person sitting next to the cashier showing the person handling bad credit.

    "Thank you, Mr. .." said Indra, who then immediately moved to the fat man appointed earlier.

    "Monggo ..., please sit .... Can I help you?" said the fat man who directly faced Indra. Previously, he only played games on the computer. If in the bank Indra first, must have been scolded by the leader.

    "Sorry, Mr .... This I want to ask about the house that was confiscated, Babah Ho's house in Gedongmulyo area. If we look at the announcement, the bank that handles it is a government bank like the one in this bank. Do we know where to take care of the seized house?" ask Indra to the bank officer.

    "Ooh, the matter of the confiscated house .... It went directly to the branch office in Rembang city. If in the unit office where we are not authorized to handle confiscations or auctions. Although the debt is here, but for confiscation and auction business directly to the branch office. Please Cacik-e to Rembang, asked at the branch office." replied the fat man who immediately played the game again.

    Indra immediately took her husband to Rembang. Going to the bank indicated by the employee. Ride a motorbike together. Not long. At least fifteen minutes.

    Arriving at the bank office, Irul followed his wife in. The security guard was asked about his business. The satmpam shows to face the Customer Service. At the Customer Service premises, there was a middle-aged woman, roughly forty years old. Indra and Irul sat facing the woman.

    "Sorry ..., we want to inquire about the building issue that the bank seized. We were from this bank office in Lasem, by an employee in Lasem we were told to ask here" Indra told the Customer Service officer.

    "Yes if it does not pay the installments it must be confiscated .." said the officer without a smile.

    "Not that, ma'am .. We have a problem with someone else's. Sorry, my husband doesn't like dealing with banks .... Moreover, credit problems, my husband does not want debt" said Indra who was offended by the words of the bank employee who was not friendly.

    "Then what ...? What do you want ...?" ask the officer.

    "Look, Mom .... Frankly I want to ask Babah Ho's house which was confiscated by the bank." Irul immediately spoke, of course because he wanted to know the matter of Babah Ho's house being confiscated.

    "If indeed the credit is stuck .., if indeed the installment is never paid .... Yes, surely the guarantee will be confiscated .... We have taken steps according to procedure. After twice the bank gives a warning letter and the debtor still ignores all warning letters sent by the bank, the bank will take decisive action to the debtor, that is by confiscating assets" said the woman.

    "I want to know .... Who guaranteed the house for debt ...?!" ask Irul who would like to know.

    "Who are you ...?!" the woman asked back.

    "I have Babah Ho. I have been with Babah Ho for a very long time since graduating Junior High School. All I know is Babah Ho already has no heir, other than Melian, the only surviving grandchild. His family is no longer all. How can the land and building be used as collateral ...?! Who vouch for the bank ...?! If it wants to be confiscated, why was the heir not told ...?!" said Irul who tried to disturb the foreclosure problem.

    "Sorry, Mr .... I don't know about this ..." the woman told Irul.

    "Lhoh ..., how could you not know ...?!!!" Irul emotions.

    "Sorry, Ma'am .... Look, Ms. ..., we're here to know how to take back Babah Ho's house in Gedongmulyo, Lasem" Indra interjected, so that her husband can stop talking to control his emotions.

    The middle-aged woman stood up, then she said, "Let's come with me .." said the woman who invited Indra and Irul to the inside. Meeting superiors. Maybe the credit is problematic. Then came another man who immediately joined the conversation there. But the women of Customer Service just left.

    "Rubber, Sir .... We're from Lasem. The problem of buildings and land belonging to Babah Ho in the area of Gedongmulyo Lasem, it was stamped with writings seized by the bank. We asked the bank's office in Lasem, but from there we were told to come. Can we still cover the debt to release the seizure?" indra explained the problem.

    "Certificate of land and buildings in whose name?" ask the male officer, who was accompanied by another employee who helped find the data.

    "Babah Ho, Gedongmulyo Village." replied the memorized Irul.

    "This .... Yes .., actually the credit is not much .... Only the concerned do not pay at all. We have been there, to ask this question, but the house is empty, no one occupies it. And the information from the residents, who owned the house was all dead. Of course we are confused. This is the certificate guaranteed in our bank." explained the male bank officer.

    "Sorry, Mr .... Babah Ho and his wife had died a long time ago, about sixteen years ago, in an ambulance accident that brought them to the hospital. And I'm the one who deals with everything. I'm sure Babah Ho didn't apply for credit. Because I am an employee who is like his own family. I know the prasis about Babah Ho. So, I don't believe in this debt" said Irul who doubted the bank's credit problems.

    "Sorry, Mr. .., do I know who actually applied for credit with Babah Ho's land certificate collateral?" ask Indra who is also investigating.

    "A little while, yeah ..." The other friend was looking for data. Then he said, "This, sir, Ma'am .... The one who applied for the credit was indeed not Babah Ho .... Name's Hartono. Maybe his brother Babah Ho ...?" said the man.

    "Hartono ...?" Irul remembered the name.

    "Yes .., Hartono, a businessman of Chinese descent, KTP in Semarang .... This is a photo of the man .... Like this" said the officer who opened the debt filing file.

    "Ooo .., yes, this is Koh Han .... Yes ..., I know .... That's said Babah Ho's brother, who forced me to manage Babah Ho's shop in Lasem Market, but his profits are for him all. The shop has also been sold" said Irul who remembers Babah Ho's brother from Semarang who took over all of Babah Ho's property. Koh Han is calling.

    "Can we take it back, sir?" ask Indra again, which of course in the bank procedure there is no brother debate or not.

    "This foreclosure is done to secure assets as collateral for debt that has not been repaid by the debtor. This action is basically not a foreclosure, but a form of security carried out by the bank on assets, where the asset will be monitored until the debt repayment process can be carried out properly. But if it is not paid off .., yes we will take further steps" said the bank officer who is more in control of the problem.

    "That's the debt or credit of Mr. Hartono .... Can we take over this matter, pay off all dependents, save the confiscated assets?" ask Indra to the two officers.

    "What is the position of Father and Mother in this matter?" ask the officer there.

    "We are his brother Babah Ho, in which case I represent Melian, his grandson Babah Ho, as the only surviving heir. It just so happens to be living with foster parents in Juwana. Frankly the boy did not want his family home to fall into the hands of others. He asked that this house remain the property of the heir. I am worried, later if the auction process and the building is purchased by someone else, of course the actual owner will be sad" said Indra who immediately gave an idea of the house.

    Hearing the explanation from Indra, of course the two people believed. Indra's face and skin, as well as his narrow eyes, have shown that he is still a relative with the owner of the building. They are from a minority group of Chinese descent.

    "Yes .., can .... What is clear is the condition of debt repayment is resolved. Otherwise, yes wait for the moment when the asset will be auctioned off" said the bank officer. Surely they are employees who handle bad credit problems.

    "We'll pay it all off. Please make the details, how much we have to pay to pay off, so we can get back the rights to the land" said Indra who is certainly prepared to pay.        "Yes, Madam .... I'm sorry, wait a minute, let's go over the details first" said the man, who then looked at his computer screen to get the details of the debt dependents to be repaid. Flowers are a burden.

    "Sorry, Ma'am .... It counts entirely, including interest and fines, it reaches a value of three hundred million. Because this guy doesn't pay at all .... Though the value of the object secured, its NJOP is only two hundred million .... Do you not love your money to pay off other people's debts? If at auction at least three hundred million." The bank clerk told Irul and Indra.

    "Sorry, Mr .... We are not a matter of price or how much we have to bear, but this is an ancestral legacy that we have to return to the owner ..." said Irul who wanted to understand the bank employee.

    "Rubber, Sir .... It's trust. Whatever we will try to be able to pay for it." added Indra who certainly just felt, how cruel the banking world was. She just realized, what was once said by her husband about the debt ban, was evident here. A hundred debts, could be three hundred. Never deal with debt. Indra who once worked in a bank, so horrified to see this reality.

    But Irul and Indra had promised, will take care of the house to be returned to Melian. Then whatever the burden of debt that must be borne, will be repaid all. They also asked that the process be accelerated.