MIRACLE: SUPER RICH!!!
Opening a Securities Account
The next day, after breakfast, Tan went to one of the Bank NI branches nearest to his house. He had to use an online taxi because the motorbike maticnya still in the workshop and tomorrow can only be taken.
The cost of repairing his motorbike has been handled by the company where Ayunindya, his benefactor works who is also his family company.
She was so grateful for her beautiful generous kindness for doing such a good deed for herself. Though the wrong thing in the accident was her who was not careful not Ayunindya.
Arriving at Bank NI, Tan was greeted by the bank security in a way that was almost the same as when he came to Bank Pusat Asia (BPS).
"I want to make loan and transfer payments." Tan said to the security guard.
The security guard understood and then he handed over a queue number addressed to the teller.
Tan came when the bank branch just opened 30 minutes ago so it is still quiet and the queue number is still ten down. He got the number 6 and had to wait for three more queues.
In a state of waiting until his queue number was called, he filled out several slips of paper to make transfer transactions to the accounts belonging to three online loans he took.
He entered the company's account number listed in the online loan application.
In fact, he can make the online loan payment in an easier way, namely through mobile banking Bank NI by entering a virtual account of each of the three online loans.
But at the moment he is doing a little complicated way because his account only remains the initial balance that he can not take or make transactions.
When he was done filling in the account number and also the name of the recipient of the transfer of each of the three pinjol, at that time also the queue number has been called by the sound of a monologue queue number system installed in the bank.
"Congratulations to Mekido, can I help you, sir ... ?" Ask the teller.
"Tanaka, I want to make the loan installment payment and make the transfer." Tan replied while handing over the slip paper for the transfer transaction manually.
"Well, can you please give me Mr Tanaka's identity card and also his account book?" Ask Mekido politely and kindly.
Tan gave his E-KTP and account book to the teller who then processed the transaction. The first thing to do is repayment of the loan.
Tan took out a loan of 40 million in 24-month installments at the Islamic Bank NI, but in the 8th month, the, he can no longer make installment payments because there is no income coming from his online business so he was forced to make an online loan to increase his online business capital as well as cover the installment of the loan.
However, this is what triggers the problem that has happened to Tan so far.
His online efforts were not successful, however, failure because there is no ability to make sales and he then took out an online loan that made him suffer because there are interest and late fines that continue to rise every month when not paying.
"Mr Tanaka has paid the loan installment until now is the 12th installment, so Mr Tanaka is willing to pay the installment until what month?" Ask the teller.
"If I pay 9 million, so what's it up to?" Ask Tan.
Mekido instantly processed the data and in just a matter of seconds he had already discovered the number.
"If you pay as much as 9 million then it only comes to the 17th installment." Answer the teller.
Tan nodded his head and asked to process it. He pulled out an envelope that said pay the loan.
He issued several pieces of money 100 thousand rupiah with a nominal total of 9 million which was then handed over to the teller.
Mekido quickly entered into a money counting machine located nearby and listed in the money counting machine there are 90 pieces of money 100 thousand.
After confirming the nominal amount, he immediately processed the loan installment payment up to the 17th installment.
Tan was relieved because for a few months he would not be billed loan installments again by the bank and his account money would not be taken automatically by the bank for installment loan payments when due because he I've paid for the next few months.
Upon completion of the bank loan payment, he handed over three transfer slips to three online loan companies.
The rest of the money to pay the loan stay 6 million rupiah, he immediately divided into 2 million to be transferred to three online loans.
The online loan he took was 10 million in every three online loan companies with 24-month installments equal to bank installments, however, because there is interest of 2-3 percent per month and late fines that continue to rise every month make the online loan swell, from the beginning of 10 million to 15 million more that he had to pay on the three online loans.
For 2 more hours Tan was in the bank NI to take care of the payment of all his loans including putting money into the account that he would use for his life.
He holds some 100 bills to pay for a water bill that is already a few months late.
"Now go to the water company to pay bills as well as termination of subscriptions, then go to the BPS securities bank to open a securities account so that I can do stock transactions on the Indonesia Stock Exchange."
He immediately ordered an online taxi rather than booking an online taxi that was cheaper because his back still hurt and needed a spit.
It didn't take long for him to be in the water company. He quickly went in to finish his business at the water company which happened to be not too crowded so that the solution was faster.
When Tan wanted to propose a termination of the subscription, the water company persuaded Tan to rethink the matter.
For them losing a paying customer is a big loss rather than losing a customer for not being able to pay so they take decisive action to stop the customer's termination unilaterally by them.
However, Tan remained in his position, he still stopped being a customer because he felt at home there was well water and water from the water company was not needed for now.
In addition, he did not lose anymore because he had to pay the maintenance bill while he rarely used water from the water company.
After he finished his business at Air, Tan went to BPS, the same place where he cashed 25 million checks yesterday because only the bank branch served the opening of a securities account.
He ordered another taxi online to take him to BPS.
He remembered that he had a busy life and had to be outside the house for a long time only when he was still a student.
At that time he had to leave the house for a long time to work on group assignments, practices, visits to the court to see firsthand the trial process that occurred and other matters related to the academic lecture.
Arriving at BPS, Tan immediately walked to the main entrance and was greeted by a different security guard from the one he had arrived yesterday.
Even so, the security guard still runs his SOP, which is friendly and polite to all visitors who come, no matter whether the clothes are worn cheaply or branded, eat the vehicle or walk, or not, and others, everything is treated the same, unless there are VIP visitors who come, it will certainly be different actions.
Because Tan is only a regular visitor, so the treatment is the same as other visitors.
Like yesterday, Tan was asked about his needs by the security guard and he told about his desire to open a CPM securities account.
The security guard immediately directed to a special room, where the security customer service was located while handing over a paper that had to be filled by Tan and queue number 4.
When entering the place, there were only three people in the place, two people were being served by customer service and one person was waiting on the sofa.
The room also has a tv screen that is large enough to display the stock index of IDX so that visitors who come can see the development of shares that occur on IDX directly.
At the time Tan sat on the sofa without any back restraint which left him a little agonized, he saw the big tv screen and then in his mind appeared a vision of the developments that occurred in the prices of those stocks until the closing of the IDX.
On the screen, red, white and green look almost the same number, but for 30 minutes then there will be a lot of red than the other two colors and there is not much change until the IDX closes at five in the afternoon.
Tan already understood the meaning of these colors, red means the stock fell in price, he said, this is when stock hunters (call Tan to the person who trades the stock) will determine whether to sell the stock in order not to get a bigger loss or hold because they believe the stock price will rise based on calculation and planning.
The white color signifies stable, no increase or decrease, and the green color signifies the increase in stock prices that make stock hunters feel happy because they get big profits.
"Hmm ... 30 minutes left will drive many stock hunters crazy, as many stock prices fall like waterfalls." Said Tan in her.
Tan looked to his right where there was a girl who seemed to have gone through her heyday as a woman aged 28-30 years was busy with her smart phone.
The woman still shows her beauty despite being covered with many cosmetics rather than natural beauty.
"Excuse me, Ma'am .. " greet Tan politely and nervously as he had previously gathered the courage to open a conversation with the woman.
As a fourth-stage introvert psychotherapist, Tan must muster more courage to start talking to other people she doesn't know or know than she's known for a long time. Especially the female interlocutor.
"Yes?" Answer the woman kindly.
"A new or old stock investor? I'm sorry if my question is strange, but this is the first time I've traded stocks, so I don't know much, if it's an old investor, I'd like to ask you a few things." Tan said with a feeling so nervous that he let out a cold sweat just to talk to the woman.
He felt nervous instead of liking or having feelings with the woman, just that he had suffered from a stage four introvert psychological disease that is almost impossible to remove from him.
The woman smiled and told him she was an old investor. Hearing that made Tan feel happy. He then asked various things about stocks that he did not understand, even though he had read or searched for them to know online still did not understand.
For five minutes Tan gained additional knowledge about the shares of the woman and had to stop because the queue number of the woman had been called.
As a thank you, Tan wanted to make a profit on the woman by telling her to immediately sell her shares that she currently owns and replace them with shares of the company that will continue to rise in share price within 15 minutes until the closing of the IDX.
Of course the woman did not respond too much to the advice from Tan because after all the man she just met was a man who would just start trading.
If Tan were a veteran trader then his advice would be highly considered.
Meanwhile Tan did not think too much about whether the woman would follow his advice or not. He returned the kindness of the woman by telling her this.
Whether or not to follow his advice is up to the woman. Tan has no right to force the woman to do what she says.
Five minutes later, Tan's queue number was called so that the man went straight to the customer service next to the customer service that served the woman.
Only a plastic sheet separates it.
Tan directly expressed his purpose of coming to the place to the customer service officers who served him. He also gave the file he had filled to the officer.
"Mr Tanaka doesn't have an NPWP yet?" Ask the officer to confirm the file filled in by Tan.
Tan nodded his head rather than answering the question.
"To open a securities account does not require the existence of NPWP, but for withdrawal of funds it takes the existence of NPWP, as long as Mr. Tanaka does not have NPWP, it can not make a withdrawal of funds." Obviously the officer.
Tan nodded his head again rather than answer him. He thought there would be additional bustle again after finishing in the CPM, he had to go to the tax office to make the NPWP.
He didn't make the NPWP because he felt there was no need to make it at the moment.
He has not worked and his income is also below not up to 5 million per month from his online business, at most 1-2 million. It is not necessarily an unstable alias.
After that, nothing was asked again by the officer. As the process of creating a securities account was almost complete, Tan heard a scream from the side.
"Yes God! Why all of a sudden the price of the shares is falling so much, I have to sell as quickly as possible!"
"It seems to have started?" Tan thought with a smile.