Office Hour
Team SAM

POV back to me again yes brothers and sisters, hopefully not bored. Hehe.

In the second session of Raker is the time for presentation by the SAM Division (Special Asset Management, aka Debt Collector but special forfeiture of guarantees whose case is mind blowing and needs special handling like yesterday, said Mr. Birkinnya Bu Meilinda, or it has to do with civil courts and auctions).

Daniel and Andrew returned to their seats. I looked at them with a questioning look, what's so bad?

Andrew shook his head while grinning towards Daniel, Daniel glanced at me.

What the hell is trying?!

"Have you been told to leave?" I whispered to Andrew.

"Udah is sorted out Mas, except Isabel he's waiting at the operator," he said.

I let out a breath. Isabel is also difficult to avoid because of her unyielding disposition.

"He's waiting for Daniel there" said Andrew quickly

I looked at him quickly. Waiting Daniel? Meaning?!

"Daniel dapet kayaknya,” kekeh Andrew.

I gawked in surprise, then chuckled. Also great Daniel.

"Mas,” Si Daniel nduk-nduk to approach my desk and whispers, “after this I permission out of the office to nemenin Isabel to Garnet Building, there is the same business Mr. Arman said,”

“Why take to Garnet building everything?” my many.

“The deposit problem that you asked this morning from Mr. Alex was loh Mas,”

“Yaaa, what does Isabel have to do with Alex's deposits?”

“Lo don't know Isabel works in Beaufort?”

“Again,” answered I acknowledge. “Isabel the Beaufort?!” Is this serious?

“Yes, he's the secretary there, just told Mbak Six to deliver the documents to Garnet, but he's here,”

“Mbak Six's... Bianca isn't it?”

“Well! That's his name! Alex's girlfriend, Bianca. Only now I inget, hehe!” Daniel cengennesan's.

I'm actually still nervous about this conversation, but I just let Daniel go. The problem is I have to focus on the Raker session to how I don't know this.

I pointed my thumb at Daniel. He's just messing around.

"Lo don't pick one, Drew?" My toot.

"Gue's still belom can lupain that one..." Andrew pointed at Selena who was on my left with her chin.

"When he's heavy bro, you have to face me,"

Andrew sighed while sitting leaning back in his chair. "Do you know what I've been through with Selena?" whispered.

"Or mostly, he talked to me" I said.

"You think I can forget those same memories?" he asked back.

I obviously can't answer.

Meilinda's shadow the first time we met was still clearly imprinted on my brain. So, I understand how Andrew feels now.

Okay, let's calm down first. By working with all my heart. It's still ‘Office Hour’.

**

It's time for the SAM Division presentation. SAM stands for Special Asset Management. Their job is to arrange the collateral used, starting from the seizure by the Debt Collector, the negotiation process, the process of selling collateral, to the court process.

In this Division it is said that people are fierce, yes because they have to deal with customers who do not receive their debts or their homes are confiscated. Often they have to deal with thugs, security, or sharpened weapons. Everyday their lives are hard.

"... This month there were 3 civil court subpoenas. The two have been the last hearing, assisted by the Legal Division. One is still talking to the customer." Said Mr. Jafar, Head of SAM Division. His mechanism is under my division. But everything of a detailed nature, I leave it to them. I Just have to sign in column ‘Knowing’ only.

"Pak Jafar Division is quite good performance this semester. Customers whose character is difficult like Mr. Kibul can also be resolved" said Mr. Danu.

"Yes sir, someone was helping us at the time." Mr. Jafar smirked at me.

How could I possibly forget the case of being chased by thugs with machetes?! I sneered bitterly at him.

But salute also the debt collector team, such threats can be faced every day. Though fitting minjem money, customers are very maniiiissss his war.

"What is this case?" Ask Mr. Haryono.

"Side streaming sir," I explained.

"This is what was once here brought the masses, huh? Said a forum member of one of those tribes right?!" Mr. Haryono said, he remembered because he had deployed all security to move to expel the masses from the building.

(Side Streaming: a case of default on customer loans caused by funds disbursed by banks used for a different purpose than the proposed one. Usually, if this is the case, the Customer will get his own karma and eventually get stuck.)

“Great can also make Mr. Kibul sell the house to pay off his arrears.” Whisper Mr. Haryono while grinning at me.

“ini the main note for marketing well, learn really 5C, do not let customers wait because the wrong analysis even becomes troublesome for many parties.” Said Mr. Danu.

(5C, is an acronym of Character, Capacity, Capital, Condition, Collateral. Where if the customer has met these 5 principles, it can certainly be easier to access credit at the bank).

Think of it Bank is also males times if you have to charge to a bad customer. If the process is stuck eating time, eating energy, having to pay fees also to pay lawyers and notaries, not yet if the emotional struggle.

If the customer can be invited to cooperate, kayak KPR continues to be jammed, the customer is willing to try to sell his house by himself yes please, want to ask for help from the SAM team to help auctionin can also. Later from the sale of the proceeds to pay the debt in the Bank, if there is still a difference yes reversed to the Customer. Not for the bank, the money.

The problem is that if the Debt Collector is from the Bank, we don't get any fees from the case. Everything is done like ordinary work, we only receive a regular salary. Different if the Maryanti case yesterday, already involved a third party. Salaries of employees in third-party service companies are like that, measured from the nominal arrears they complete.

“Kok can be completed? How's approach?” ask Mr. Danu pinisirin.

Jafar terekeh sir. I don't think he can bear the behind the scene story.

At this moment, inevitably we both remember will ‘kemesraan’ era back then when I was still the head of the section in the compliance division.

As the name implies Compliance Division, our job is to ensure all employees comply with company rules. Not spared SAM division also included.

And honestly, this is the lazy SAM division I'm taking care of.

The problem must be an event that makes the heart beat. Here, believe me, my looks mean nothing. The absolute most must have by the SAM Division, especially the debt collectors are: debating ability.

And said the son of Akhlakless.

And because our debt collectors are paid by the Bank, not third parties, so in fact they are bank employees. Of course, in working must follow the rules of the company and government rules.

It's hard...

Be angry, but use the rules.

Let's flashback for a moment 6 months ago.

Call it Mr. Kibul.

Customer category MSME. Borrow funds for the rice field business, even made for home renovation. Automatically the warehouse is not growing, the revenue is that, the installment becomes stuck. Try him really use for the development of his business, surely it will be in accordance with our marketing count and his income can increase.This is called the case of Side Streaming. The use of funds is not in accordance with the submission.

I, Mr. Jafar and the two sons of SAM, Samsul and Fathur came to his house. The plan is to talk about the continuity of the loan. (Betewe, this crazy Aunt Author also entered the real name for Team Sam's employees. Samsul and Fathur are really there. Yes the scene is indeed ‘inpirated’ true story anyway, but in hyperbolis all-out same aunt, wakakaka).

But until his house, we were confronted by the mob. The youth association of one of the tribes on the island of Java, they said.

"You want what looo?!?" exclaim one of the ones that look the most serem.

"Lo don't follow, we come for business!" Samsul.

We are prohibited from informing anyone who is not involved about Mr. Kibul's loan to the bank, because it has entered government regulations, it can be considered defamation of customers.

"Go one step, bloody nutmeg!" pake pantun.

"But! We want to nawarin the best way, no maen sita-sita, there are rules" said Samsul again.

"What kind of best street? Let me be the deputy." said Bang Chairman.

"It can't be bang, it's Mr. Kibul's business." Samsul. Males called the police.

"Citizens here it's under my protection! So any business can pass me."

"You can help Mr. Kibul to manage his business with us..."

Bang Chairman diem.

Maybe he's thinking again.

Yes, also, all affairs represented him, including paying dong installments.

"Last warning, will you go?!" Bang Chairman of deadlock, kepentok his own words become more emotional.

His men took a step forward while carrying a machete.

I'm gobsmacked.

Not because of their actions, but because their Golok is cool.

Not a cleaver for bamboo macules that often look at buser events.

My collector's soul is shaking.

"Bang\, I'm a member of Gib**s no member S243**G!" sahut Samsul's.

I'm silent.

My radar was immediately on.

Why did he even call a member number for the other club, try?!

So I grabbed Samsul while whispering.

"That's the member's number for the one on brother's land, kaseeeppp..."

"Mampus.." whispered Samsul realized his mistake. Maybe he's nervous.

"What's the member number?! Bang**ttt!!' Excite the Chairman Bang while advancing again, this time take a swing.

We took a step back.

"Gue member Am**n United, Bang!" samsul tried to correct his mistake. But it's even more fatal.

"Oh..the enemy is lo!! I'm a member of the tribalism forum (sensor)!!"

I regret wearing work shoes, why do not I wear running shoes just now, ah most styles anyway. Kan dear just bought 3 million can be Malak Mas Bram already made to run in the alley!

They advanced like zombies in Resident Evil. Very fast approaching us while wagging a machete like a cat chasing a female.

We immediately disperse!

Run!!

As far as feet go.

I'm sure Samsul and Fathur went straight to the wife's daughter while running away.

And me, and I,

Slip into the coffee shop next door.

Before arriving at Mr. Kibul's house I have bribed 200k because for if there is anything I hitchhiked. I deliberately look for stalls that are sellers of mothers, usually melt the same look as me.

The problem that is accommodated can not be much, later can be striking. So Mr. Jafar, Samsul and Fathur have to find their own hiding place.

I saw Mr. Jafar taking refuge in a satay stall three houses away from me.

I don't know what Samsul and Fathur's fate is.

"Not good, is it handsome?!" ask the guard's mother uses flirtatious.

"The name also works, ma'am." I said.

I took a tissue to polish my shoes.

He put coffee in front of me.

I prayed first afraid of the dipelet.

"Boy, I'm joining. In sate stalls many asepnya!” Mr. Jafar sent me wa a few minutes later.

I was already behind the warteg counter, auxiliary fried tempe.

"Where Samsul ama Fathur, eat first we both go to the house of Mr. Kibul again" I replied.

"Need back up ga?" I think he's ready to call the police.

"Ntar first." I said again.

Samsul and Fathur slumped through the back door of the warteg, meeting me who was washing rice.

"Serius lo Mas" said Samsul.

"Campret, because you're not thinking, '" I snorted.

"Gue was scared first! That was 20 people! My son is still small bro!" Samsul.

Yes natural.

"Eat there first! I paid," I said.

"What's going on here?"

"Yes make rice is table time in the kitchen" I murmured.