The Tears Of Wedding
Chapter 41 One Surprising Thing

All the requirements to borrow a bank in one of the conventional banks have been handed over to the bank. Because in our area there is no Sharia bank. Even Guntur mas a few days ago surveyed by bank employees. As proof that we have a business, guntur mas posed together with Ijem and some cows that we cared for but not ours, 'gado' language here usually.

This morning I finished my homework as usual. After the shower, I went back to see the map that would be brought to the city. Yesterday afternoon we called the bank to come to the office because there will be a loan disbursement process. We borrowed 50 million with KUR funds. Very small flowers. Last night Guntur asked for my opinion.

"You want to take how many years of his term?" Ask Guntur.

"Before, don't count first." I answered while taking the book that has always been a record of our family's income and expenses.

I used to see Umi Siti when it was a habit to record money for kitchen shopping every month and money there. So it is clear the source of funds, and if less will see what will be reduced. So even when 8 years I became the wife of Guntur. I became good at managing finances because there is a record of money coming in and money coming out every month. It's all there. From routine expenses, unexpected expenses. And there I made needs and desires. There is also a special savings column. So I actually force every money in, I try to save even though a little important is always set aside. And that money is always helpful when you drop or Yadi need an impromptu fee.

After I doodle then I say Guntur mas. If one month we can only afford to pay no more than 2.4 million.

"This is usually the budget for Yadi which is 2 million mas. So if you want the 400 later can be reduced monthly vegetable costs." I said while handing over the book that I had written the calculation for the next few months if I borrowed the bank. After all if the palm harvest is good because we fertilize. It is also the same as income is increasing.

"Yes already means we take the 2-year course yes, borrow it 50 only. So the 20 we use to buy fertilizer. I had a chat last night with Mr. Lek Gio. Fertilize it using only manure. One sack that cost only 50 thousand dik.so more natural and cheap." Guntur Mas.

"Yes already then. But what's enough mas to charge with yesterday's show?" Ask me.

Mas Guntur took off his shirt and replaced it with the shirt I just rubbed.

"Bismilah, we will think together. God willing there is a way. Help prayer yes, mother also has agreed with what we plan. What matters now is that we strive for results - hopefully God knows better our intentions." Mas Guntur.

I nodded steadily. We also went to the city by taking a trip. When we arrived at the bank we asked to sign a lot of files. And this is what I love about Thunder. He read what he signed. While on the last sheet of Guntur paused for a moment and asked the bank employee.

"So there's no insurance? If I die. Do my debts still need to be paid? or the collateral belongs to the bank?" Ask Guntur curious.

"Father, if there is insurance that is common. But if the general flowers are not as small as the KUR. You can choose a common one if you want insurance." Said the woman who was seen wearing an id card around her neck.

I actually from earlier noticed quite strangely because those who were upstairs dressed normally unlike the ones downstairs were wearing uniforms. Then Guntur by closing his eyes he broke his signature.

But when going to do the thaw, a person who yesterday survey immediately approached us. We were a little pulled into the corner.

"What's wrong?" Ask Guntur curious.

I was also curious about the purpose of the conversation of bank employees who were in the survey department.

"So, yesterday I chek BI Cheking wife father has defaulted on one of the home loans. I used to take goods and not paid off when in the last installment." Obviously Mr. Yuda.

So in the system in Banking will see a list of history of prospective borrowers or customers through BI Checking. Or the official language of BI Checking is checking credit history in the Bank Indonesia Debtor Information System conducted by the debtor.

And it turns out that on the list I have a final arrears that are not paid off in one of the Home Credits.

"Has mom ever credit goods on any of the home credits? And not paying it off?" Ask the officer named Yuda.

The thunder stared at me. I went back to remembering if I ever took a pay-credit system item. Suddenly I remember what happened 5 years ago. Yani once picked up a cell phone on one of the home credits. The reason is to find a job easier with android phone that has a larger ram. At that time, the Yani ID card was missing. I also borrowed my ID card data, once came a collector because Yani was late to pay. But I said I don't know anything. After that, no one else charges. I thought Yani had paid off.

" So the solution?" Ask the Thunder to Yuda.

"Let's go, get home from here. I went straight to the place I said. I paid off so as not to be a problem in the future." Said the bank employee. Finally we also withdrew 5 million rupiah. The 2 million to pay for Yani's last arrears who I don't know what to take on home credit. At that time Yani was still in the village and used my name as well as my Biodata on the grounds that his ID card was missing.

Today we learned something that we may well intend, but our good intentions are sometimes not put to good use. I just thank God, if the bank clerk said I and Guntur were lucky, then no. Not lucky, but there was God's intervention.

Before we enter the file, 7 days we are both istikharah. If for singles to hear istikharah must have been focused on two choices of couples. But for us the istikharah is when we will do everything and submit to God for whether the decision is good for us. Not because there is a choice.

But more to the lack of God when we take one action. One of the things that until now is still debated by scholars about bank interest. Because some allow it and some forbid it. We do not just make decisions here. But because of worry if later the mother sells the garden, while the condition of the father often drops, not to mention the mother is not strong to work, so far from the results of the garden that lives two hectares. That's only a million fewer each month. Wanting to help us didn't have much money. Not to mention the harvest that began to decrease signifies that the garden needs fertilizer so that the fruit back good and abundant.

Today we also understand that self-data is so important, ah fortunately only 1.5 arrears and some interest delay as long as Yani does not gradually. Even Mr. Yuda also advised us to no longer borrow our names or our biodata for Banking matters. Reportedly now rampant Online loans that are not under the supervision of the OJK and who borrow using other people's ID card data. I became a little wary when Guntur mas also activated Mangking. Mas Guntur who is not too good at using android so I was asked to learn the transfer system and email problems. I'm getting curious about things like this. So sometimes if free time, in addition to listening to lectures. I sometimes watch a few ways of securing passwords, m banking and the way people cheat with the current digital age.

"You don't want the times to change... In the cottage we never had such a sophisticated object, now, at home we can commit crimes only capital intelligence in the field." Said Mas Guntur commenting on some of the perpetrators who broke into someone's account with only one laptop in his room.

"Now God loves us his people Choice, want to be good can easily access anything, as well as willing to work without anyone else knowing we can." I said because there are so many trials since I have a sophisticated phone. Not like it used to be in the cottage. We don't even know any gossip on television, or in society.