Info. SIAP TOKO7. Search google map. PESAN - BAYAR - KIRIM. Whatsapp ; http://wa.me/6288215238283
CV.MTI - SIAP TOKO7
RUKO BERINGIN HILLS EATATE NO2
Jl. Beringin Raya, Tambakaji, Ngaliyan
Mau KAYA, Bebas HUTANG, Punya USAHA......., Pensiun BAHAGIA, Bisnis jalan-Bos jalan-jalan, jadi INVESTOR ?. Baca buku "MOST WANTED ENTREPRENEUR". Tidak punya MODAL (uang)....mau ACTION ?. Buka kelas MWE(R) ACADEMY KELUARGA MANDIRI. Insya Allah berkah dan manfaat.
Sabtu, 20 November 2021
REPOST. BOSe Laptop ; Asus ; Acer ; Lenovo ; Avita ; Axio. WA. 088215238283
Selasa, 16 November 2021
SIAP KELAS ; Programming & Bisnis Start up
Jumpa lagi dengan saya ; Dedi Triputra. Kali ini kita berkesempatan mengenalkan Software Microsoft Visual Studio 2022. Yang dirilis kemarin, hari senin 8 November 2021. Micosoft memiliki 3 versi yaitu Individual, Business dan Enterprise. Untuk harga Microsoft Visual Studio 2021 itu sekitar 20juta rupiah. Kali ini Microsoft menjual dengan cara berlangganan sebesar US$250 per bulan.
Vlog preview Microsoft Visual Studio 2022 ;
SIAP KELAS - SIAP KERJA - SIAP TOKO
Most Wanted Entrepreneur(R) Academy & Consulting
Ruko Beringin Hills Estate no2
Jl. Beringin Raya, Tambakaji, Ngaliyan
Semarang | Registrasi 》 http://wa.me/6288215238283
Selasa, 09 November 2021
Update Harga Laptop Lenovo, termurah, terbaru, harga bakulan (reseller/ dealer) WA. 088215238283
*READY STOCK 09/11/2021*
*---LENOVO---*
*--CELERON--*
*SLIM 3 IP3*
N4020/4/256/14FHD/W10/OHS
*Rp. 5.955.000*
*FLEK 3*
N4020/4/256/11,6" IPS TOUCH SCREEN 250NITS/W10/OHS
*Rp. 6.750.000*
*V14*
A3150U/4/256/RADEON GRAPHIC/14/W10/OHS
*Rp. 6.800.000*
*V14*
A3150U/4/512/RADEON GRAPHIC/14/W10/OHS
*Rp. 7.150.000*
*--I3--*
*SLIM 3 IP3*
i3-10110U/4/256/14FHD IPS/W10/OHS/GRAY
*Rp. 7.550.000*
*SLIM 5 IP5 82FE015YID*
I3-1115G4/8/512/14FHD IPS/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE /GRY/BLUE/SAND
*RP. 9.350.000*
*V14*
i3-1005G1/4/512/14HD/W10/OHS
*RP. 7.850.000*
*--I5 & R5--*
*SLIM 5 IP5 82FE00XXID*
I5-1135G7/8/512/14FHD IPS/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE /GRY/BLUE/SAND
*RP. 11.800.000*
*SLIM 5 IP5*
i5-1165G7/8/512/MX450-2GB 64B /14FHD IPS/2Y PREMIUM CARE+ADP/W10/OHS/BACK LIGHT/GRAY-BLUE
*RP. 12.750.000*
*SLIM 5 IP5 82FE00XVID*
I5-1135G7/8/512/MX-450 2GB/14FHD IPS/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE/GRY/BLUE/SAND
*RP. 12.800.000*
*YOGA 7 82BH003UID*
i5-1135G7/8/512/INTEL IRIS-XE/ 14FHD IPS 300NITS TOUCH SCREEN+DIGITAL PEN /W10/OHS/2Y PREMIUM CARE+ADP/SLEEVE CASE/SLATE GREY
*Rp. 16.450.000*
*YOGA DUET*
i5-1135G7/8/SSD 512/13" TOUCH SCREEN WQHD WVA sRGB (E-COLOR SYLUS PEN + KEYBOARD) / WIFI6+ BT5/FACE DETECTION/CAMERA/BERAT 1,1 WITH KEYBOARD /W10/OFFICE 2019/2YR PREMIUM CARE+ ADP/BACK LIGHT /LEATHER CASE
*Rp. 17.500.000*
*YOGA SLIM7 CARBON 82EV002YID*
INTEL EVO i5-1135G7/8/512/INTEL IRIS-XE/13.3QHD WVA300NITS/ WIFI6+ BT5/FACE DETECTION/CAMERA/W10/OFFICE 2019/2Y PREMIUM CARE+ADP/BACK LIGHT/MILITARY TEST
*Rp. 16.650.000*
*YOGA SLIM7 82A300AYID*
INTEL EVO-i5-1135G7 /8/SSD 512/INTEL IRIS-XE/ 14FHD IPS 300NITS SRGB100% / WIFI6+ BT5/FACE DETECTION/CAMERA/W10/OFFICE 2019/2Y PREMIUM CARE+ADP/BACK LIGHT
*Rp. 15.250.000*
*YOGA 7 82N700TID*
R5-5600U/16/SSD 512/IRIS XE GRAPHIC/14" FHD-IPS TOUCH SCREEN 300NITS (LENOVO DIGITAL PEN / WIFI6+ BT5/CAMERA/W10/OFFICE 2019/2Y PREMIUM CARE+ADP/BACK LIGHT/MILITARY TEST/SLATE GRAY
*Rp. 16.500.000*
*--I7 & R7--*
*SLIM 3 IP3 82H700UDID*
I7-1165G7/8/512/14FHD/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE+ *MCAFEE* GRY/BLUE/SAND
*RP. 13.150.000*
*SLIM 3 IP3*
i7-1165G7/8/512/MX450-2GB/14FHD IPS 300NITZ/W10/OHS/BACKLIT/GRAY-BLUE
*RP. 13.950.000*
*SLIM 3 IP3 82H700UGID*
I7-1165G7/8/512/MX450-2GB/14FHD/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE+ *MCAFEE* /GRY/BLUE/SAND
*RP. 14.150.000*
*SLIM 5 IP5 82FE00XUID*
I7-1165G7/16/512/14FHD IPS/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE + MCAFEE GRY/BLUE/SAND
*RP.14.900.000*
*SLIM 5 IP5 82FE00Y0ID*
I7-1165G7/16/512/MX450 2GB14FHD IPS/W11/OHS 2021/BACKLIT KB/2Y ADP+2Y PREMIUM CARE + MCAFEE GRY/BLUE/SAND
*RP. 15.900.000*
*YOGA SLIM7 CARBON 82EV0019ID*
i7-1165G7/16/SSD 1TB/INTEL IRIS-XE/13.3QHD WVA 300NITS/ WIFI6+ BT5/FACE DETECTION/CAMERA/W10/OFFICE 2019/2Y PREMIUM CARE+ADP/BACK LIGHT/MILITARY TEST
*Rp. 19.450.000*
*LEGION 5PRO 82JS0035ID*
R7-5800H/16/SSD 512/RTX3050TI-4GB/ CAMERA /16" WQXGA IPS 500NITS 165HZ/100% SRGB-DC DIMMER HDR 400/ *WINDOW 11* /RGB-BACK LIGHT/MOUSE M300 RGB GAMING INSIDE BOX+LEGION H300 GAMING HEADSET/ *3Y LEGION WARRANTY+3YR ADP* /LEGION GAMING BACKPACK BAG/STORM GREY
*RP. 21.650.000*
*LEGION 5PRO 82JQ00BGID*
R7-5800H/32/SSD 1TB/RTX3070-8GB/16 WQXGA IPS 500NITS 165HZ/100% SRGB-DC DIMMER/W10 64/OHS/RGB-BACK LIGHT/MOUSE M300 RGB GAMING INSIDE BOX+LEGION H300 GAMING HEADSET/ *3Y LEGION WARRANTY+3YR ADP* /LEGION GAMING BACKPACK BAG/STORM GREY
*RP. 29.950.000*
*LEGION 5 82B500MKID*
R7-4800H/16/512/GTX1650TI-4GB/15FHD 144HZ 300NITZ/100% SRGB/W10/OHS/RGB-BACK LIGHT/MOUSE M300 RGB GAMING INSIDE BOX/LEGION GAMING BACKPACK BAG/PHANTOM BLK
*RP. 18.600.000*
*LEGION 5A 82JW003QQID*
R7-5800H/16/512/RTX3050TI/15,6 FHD IPS IPS 300NITS 165HZ/100% SRGB/W10 /OHS/RGB-BACK LIGHT/MOUSE M300 RGB GAMING INSIDE BOX/ *3Y LEGION WARRANTY+3YR ADP* /LEGION GAMING BACKPACK BAG/PHANTOM BLUE
*RP.20.850.000*
*LEGION 5 82JU00F0ID*
R7-5800H/16/SSD 512/RTX3060-6GB/15,6 FHD IPS 300NITS 165HZ/100% SRGB FREE SYNC/W10/OHS/RGB-BACK LIGHT/MOUSE M300 RGB GAMING INSIDE BOX/ *3Y LEGION WARRANTY+3YR ADP* /LEGION GAMING BACKPACK BAG/PHANTOM BLUE
*RP. 23.550.000*
*LEGION 5 82NW0016ID*
R7-5800H/16/SSD 512/ *RX6600M-8GB* /15,6 FHD IPS 300NITS 165HZ/100% SRGB FREE SYNC/W10/OHS/RGB-BACK LIGHT/MOUSE M300 RGB GAMING INSIDE BOX/ *3Y LEGION WARRANTY+3YR ADP* /LEGION GAMING BACKPACK BAG/PHANTOM BLUE
*RP. 21.700.000*
*LEGION 7 82N6009UID*
R7-5800H/32/SSD 1TB/RTX3060-6GB/16 WQXGA IPS 500NITS 165HZ/100% SRGB-DC DIMMER/W10 64/OHS/RGB-BACK LIGHT/MOUSE M500 RGB GAMING INSIDE BOX+LEGION H300 GAMING HEADSET/ *3Y LEGION WARRANTY+3YR ADP* /ARMORED GAMING BACKPACK BAG/STORM GREY
*RP. 31.250.000*
*YOGA 6 82ND002KID*
R7-5700U/16/SSD 512/AMD RADEON/13.3" FHD IPS 300NITS *TOUCH SCREEN+DIGITAL PEN* /W10/OHS/2Y PREMIUM CARE+ADP/SLEEVE CASE/ABBYS BLUE
*Rp. 17.200.000*
*YOGA 7 82N7000UID*
R7-5800U/16/SSD 512/IRIS XE GRAPHIC/14" FHD IPS 300NITS *TOUCH SCREEN+DIGITAL PEN* /W10/OHS/2Y PREMIUM CARE+ADP/SLEEVE CASE/SLATE GRAY
*Rp. 17.800.000*
Sudah saya kasih harga ter MURAH se Indonesia. Syarat wajib kenal dulu ya, isi form registrasi ; https://forms.gle/S9ZbA4Ah2XZCkuAz5
RUKO BERINGIN HILLS ESTATE NO2
Jl. Beringin Raya, Tambakaji, Ngaliyan
Semarang | http://wa.me/6288215238283
Update Harga Laptop ASUS termurah, harga bakulan (dealer/ reseller) WA. 088215238283
*READY STOCK 09/11/2021*
*---ASUS---*
*--I3--*
*A416JAO+*
I3-1005G1/4/512SSD+ INTEL OPTANE 32GB /14FHD V-IPS/W10/OHS/BLK-SLV
*RP. 8.350.000*
*A516JAO*
I3-1005G1/4/256/15HD/W10/OHS/BACK LIGHT/GRAY-SLV
*RP. 7.550.000*
*A516JAO+*
I3-1005G1/4/512SSD+ *INTEL OPTANE 32GB* /15FHD V-IPS/W10/OHS/BLK-SLV
*RP. 8.3500.000*
*K513EA*
I3-1115G7/8/512/15FHD IPS/W10/OHS/BLK-SLV
*RP. 9.250.000*
*--I5 & R5--*
*A416EP/O*
i5-1135G7/8/512/MX330/14FHD V-IPS/FP/W10/OHS/BACK LIGHT/GRAY-SLV
*RP. 11.350.000*
*A416JA/O*
i5-1035G1/4/256/IRIS XE-80EU/14FHD V-IPS/W10/OHS/BACK LIGHT/GRAY-SLV
*RP. 9.350.000*
*K413EQ*
I5-1135G7/8/512/MX350/14FHD IPS/FP/W10/OHS/BACK LIGHT/SLV/BLK/GOLD
*RP. 11.750.000*
*K413EQ+*
I5-1135G7/8/512+INTEL OPTANE 32GB/MX350/14FHD IPS/FP/W10/OHS/BACK LIGHT/SLV/BLK/GOLD
*RP. 12.150.000*
*K413JQ*
I5-1035G1/8/512/MX350/14FHD IPS/FP/W10/OHS/BACK LIGHT/BLK
*RP. 11.250.000*
*S333EA*
i5-1135G1/8/512/INTEL IRIS-XE/13FHD IPS/FP/W10/OHS/BACK LIGHT
*RP. 11.650.000*
*S333JQ*
i5-1035G1/8/512+OPTANE 32GB/MX350-2GB/13FHD/FP/W10/OHS/BACK LIGHT
*RP. 12.150.000*
*S433EQ*
i5-1135G1/8/512/MX350/14FHD IPS/FP/W10/OHS/BACK LIGHT/RED-GREEN-SLV-BLK-WHT-GRAY
*RP. 12.200.000*
*UX325EA*
i5-1135G7/8/512/VGA IRIS XE-80EU/13FHD OLED /NUMBERPAD/W10/OHS/BACK LIGHT/LILAC MIST-GRAY
*RP. 15.450.000*
*UX425EA*
i5-1135G7/8/512/VGA IRIS XE-80EU/14FHD/NUMBERPAD/W10/OHS/BACK LIGHT/LILAC MIST-GRAY
*RP. 13.950.000*
*UX435EAL*
INTEL EVO i5-1135G7/8/SSD 1TB PCIE/VGA IRIS XE-80EU/ 1W 400NITS 14FHD/NUMBERPAD/W10/OHS/BACK LIGHT
*RP. 17.200.000*
*UX363EA*
i5-1135G7/8/512/INTEL IRIS XE-96EU / 13,3FHD OLED TOUCHSCREEN/SYLUS 2.0/NUMBERPAD /W10/OHS/BACK LIGHT/GRAY
*RP. 17.400.000*
*UX435EG*
i5-1135G7/8/512/MX450-2GB/14FHD IPS / *SCREENPAD* /W10/OHS/BACK LIGHT/GRAY
*RP. 16.000.000*
*UX482EG*
i5-1135G7/8/512/MX450-2GB/ *14FHD TOUCHSCREEN/SCREENPAD PLUS* /W10/OHS/BACK LIGHT/CELESTIAL BLUE
*Rp. 20.900.000*
*M513UA-OLED*
R5-5500/8/512/VEGA/15FHD-OLED/FP/BACK LIGHT/W10/OHS/BLK
*RP.11.450.000*
*UM325UAZ-OLED*
R5-5500/8/512/13" OLED FULL HD 360/FP/NUMBERPAD/BACK LIGHT/W10/OHS/LILAC MIST-PINE GRAY
*RP. 14.200.000*
*UM425UAZ*
R5-5500/8/512/14FHD IPS/FP/NUMBERPAD/BACK LIGHT/W10/OHS/LILAC MIST -PINEGREY
*RP. 13.150.000*
*--I7 & R7--*
*A413EP*
I7-1165G7/8/512/MX330/14FHD V-IPS/FP/W10/OHS/BACK LIGHT/BLK-SLV-BLUE
*RP. 12.950.000*
*A513EP*
I7-1165G7/8/512PCI HOUSING/MX330/15FHD V-IPS/FP/W10/OHS/BACK LIGHT/BLK-SLV-BLUE
*RP. 13.450.000*
*K413EQ*
I7-1165G7/8/512/MX350/14FHD V-IPS/FP/W10/OHS/BACK LIGHT/RED-GREEN-SLV-BLK-WHT-GRAY
*RP. 13.250.000*
*K413EQ*
I7-1165G7/8/512/MX350/14FHD IPS/FP/W10/OHS/BACK LIGHT/RED-GREEN-SLV-BLK-WHT-GRAY
*RP. 13.300.000*
*S433EQ*
i7-1165G7/8/512/MX350/14FHD IPS/FP/W10/OHS/BACK LIGHT/RED-GREEN-SLV-BLK-WHT-GRAY
*RP. 14.000.000*
*UX363EA*
i7-1165G7/16/SSD 1TB/VGA IRIS XE-96EU/ *13,3FHD OLED TOUCHSCREEN/STYLUS 2.0/NUMBERPAD* /W10/OHS/BACK LIGHT/GRAY
*RP. 21.650.000*
*UX393EA *
i7-1165G7/16/SSD 1TB/VGA IRIS XE-96EU/ *13.9 3.3K-IPS 500NITS/TOUCH SCREEN 3K/NUMBERPAD* /W10/OHS/BACK LIGHT
*RP. 23.850.000*
*UX435EAL*
INTEL EVO i7-1165G7/16/SSD 1TB PCIE/VGA IRIS XE-86EU/ 1W 400NITS 14FHD/NUMBERPAD/W10/OHS/BACK LIGHT
*RP. 20.155.000*
*UX435EG*
i7-1165G7/16/SSD 1TB/MX450-2GB/14FHD IPS/ SCREENPAD /W10/OHS/BACK LIGHT/GRAY
*RP. 19.500.000*
*M513UA-OLED*
R7-5700/8/512/VEGA/15FHD-OLED/FP/BACK LIGHT/W10/OHS/SLV-GOLD
*RP. 12.450.000*
*UM325UAZ-OLED*
R7-5700/16/SSD 1TB/13" OLED FULL HD 360/FP/NUMBERPAD/BACK LIGHT/W10/OHS/LILAC MIST-PINE GRAY
*RP. 16.750.000*
*--TUFF GAMMING--*
*F15 FX506HC/HCB-I735B6G-O*
i7-11800H/8/512/RTX3050-4GB/15FHD IPS 144HZ/RGB/W10/OHS
*RP. 17.950.000*
*F15 FX506HE/HEB-I7R5B6G-O*
I7-11800H/16GB/512GB SSD/RTX3050TI 4GB/15.6 SLIM FHD 144HZ/WIN 10 HOM/OHS/2Y/BAG/ECLIPSE GRAY
*RP. 19.750.000*
*F15 FX506HM-I736B6G-O*
I7-11800H/8GB/512 SSD/RTX3060 6GB/15.6 SLIM FHD 144HZ/WIN 10 HOM/OHS/2Y/BAG/ECLIPSE GRAY/90W BATTERY
*RP. 22.100.000*
*FX506LH-I765B8T-O*
I7-10870H/8GB/512GB/GTX1650 4GB/15.6 SLIM FHD IPS 144HZ/WIN 10 HOM/OFFICE H&S/2Y/BAG/FORTRESS GRAY
*RP. 15.800.000*
*DASH F15 FX516PC-I735B6W/T-O*
I7-11370H/8GB/512GB SSD/RTX3050 4GB/15.6 SLIM FHD IPS 144HZ/WIN 10 HOM/OHS/2Y/BAG/WHOTE-ECLIPSE GRAY
*RP. 16.750.000*
*DASH F15 FX516PE-I7R5B6T-O*
I7-11370H/16GB/512GB SSD/RTX3050TI 4GB/15.6 SLIM FHD IPS 144HZ/WIN 10 HOM/OFFICE H&S/2Y/ECLIPSE GRAY
*RP. 18.950.000*
*DASH F15 FX516PM-I736B6T-O*
I7-11370H/8GB/512GB SSD/RTX3060 6GB/15.6 SLIM FHD IPS 144HZ/WIN 10 HOM/OFFICE H&S/2Y/BAG/ECLIPSE GRAY/ MOONLIGHT WHITE/76W BATTERY
*RP. 20.900.000*
*A15 FA506IC-R735B6T-O*
R7-4800H/8GB/512/RTX3050 4GB/15.6 SLIM FHD IPS 144HZ/RGB/WIN10/2Y/BAG/BLACK/OHS
*RP. 15.200.000*
*A15 FX506IV-R7R6B6T-O*
R7-4800H/8/512/RTX2060-6GB/15FHD IPS 144HZ/RGB/W10/OHS
*RP. 18.550.000*
*--ROG--*
*-I7 &R7-*
*ROG Zephyrus M16 GU603HE-I7R5G6T-O*
I7-11800H/16/SSD512/RTX3050TI_V4G/16" WQXGA IPS 165Hz/WIN/2Y/BAG+PD ADA/BLACK/OHS 2019
*RP. 26.650.000*
*STRIX-G G513IM-R736B6T-O*
R7-4800H/16GB/512GB SSD/RTX3060 6GB/15.6 SLIM FHD 144HZ/CAMERA/4 ZONE/WIN 10 HOM/OHS/2Y/BAG/BLACK
*RP. 22.750.000*
*STRIX-G G513QM-R736D6T-O*
R7-5800H/16GB/512GB SSD/RTX3060 6GB/15.6 SLIM FHD IPS 300HZ/WIN 10 HOM/OFFICE H&S/2Y/BAG/BLACK METAL/PER KEY RGB/ EXTERNAL CAM/90W BATTERY
*RP. 24.300.000*
*G14 ZEPHYRUS GA401QH-R765B6W-O*
R7-5800H/8GB/512GB SSD/GTX1650 4GB/14.0 SLIM FHD IPS 144HZ/WIN 10 HOM/OHS/2Y/BAG/WHITE/PD ADA
*RP. 18.750.000*
*-R9-*
*STRIX-G G513QM-R936D6G-O *
R9-5900HX/16GB/1TB SSD/RTX3060 6GB/15.6 SLIM FHD IPS 300HZ/WIN 10 HOM/2Y/BAG/SPACE GRAY/PER KEY RGB/90W BATTERY/EXTERNAL CAM/OFFICE
*RP. 28.650.000*
*SCAR G533QM-R936D6T-O*
R9-5900HX/16/SSD 1TB/RTX3060-6GB/CAMERA/15FHD IPS 300HZ/NUMBERPAD/PERKET/MOUSE/W10/OHS/BLACK METAL/BAG GAMING
*RP. 30.650.000*
*SCAR G533QR-R937D6T*
R9-5900HX/32/SSD 1TB/RTX3070-8GB/CAMERA/15FHD IPS 300HZ/NUMBERPAD/PERKET/W10/MOUSE/OHS/BAG GAMING
*RP. 42.150.000
*STRIX-G G713QM-R936B7T-O*
R9-5900HX/16GB/512GB SSD/RTX3060 6GB/17.3 SLIM FHD IPS 300HZ/WIN 10 HOM/OFFICE H&S/2Y/BAG/BLACK METAL/PER KEY RGB/ EXTERNAL CAM/90W BATTERY
*RP. 26.650.000*
*G14 ZEPHERUS GA401QEC-ALAN WALKER*
R9-5900HS/16GB/1TB SSD/RTX3050TI 4GB/14.0 SLIM QHD IPS 120HZ/WIN 10 HOM/OFFICE H&S/2/ALAN WALKER-ECLIPSE GRAY/EXTERNAL CAM/PD ADA/ AniMe Matrix™ ALAN WALKER LED
*RP.30.150.000*
*G15 ZEPHYRUS GA503QM-R936G6G*
R9-5900HS/16/SSD 1TB/RTX3060-6GB/CAMERA/15FHD IPS 165HZ/NUMBERPAD/W10/MOUSE/OHS
*RP. 29.700.000*
Sudah saya kasih harga ter MURAH se Indonesia. Syarat wajib kenal dulu ya, isi form registrasi ; https://forms.gle/S9ZbA4Ah2XZCkuAz5
RUKO BERINGIN HILLS ESTATE NO2
Jl. Beringin Raya, Tambakaji, Ngaliyan
Semarang | http://wa.me/6288215238283
Rabu, 03 November 2021
PAK GURU jadi fintech PINJOL ?
Emang kenapa kalau Program Aplikasi Keuangan PAK GURU menjadi PINJOL ?. Kamu pernah di rugikan oleh Pinjaman Online ?. Cerita donk ke @siaptoko, @mostwantedentrepreneur, @suksesbisnislaundry, atau @ratujawi dan ke kantor @ojk .
Hari ini otak semakin panas, bukan karena sensi dengan sosmed penistaan agama, atau karena ulah “kadrun” vs “cebong” gara-gara debat utang negara. Atau berita marahnya pak Jokowi tentang maraknya aduan kasus PINJOL yang mencapai 19.711 kasus. Yang lebih mencengangkan lagi, selama pandemi COVID19, rakyat se Indonesia raya memiliki pinjaman online mencapai Rp. 155,9 Trilyun, enolnya berapa ya ???. Kontributor Antara, ketua Bidang Humas Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI), Andi Taufan Garuda Putera , editor Zakki Amalia, sumber tirto.id, tanggal 5 Februari 2021. Kesimpulannya, jadi hari ini kita utang berjamaah, OMG.
Kita tidak ada maksud membangun aplikasi pinjaman. Kita juga wajib menyampaikan, apa bedanya dengan istilah kredit, pinjaman, utangan, pendanaan, penyertaan modal, deposito, voucher, kode promo, fintech lending, paylatter, wallet digital dan cowdfounding ?. Sehingga kata PINJOL bukan menjadi penyebutan yang bikin panas otak kita. Memang ada berita yang mengangkat kisah seseorang yang bunuh diri karena tidak tahan di telpon, dikejar dan diteror debtcollector. Pemodal-pemodal asing, bahkan orang per orang (asing) itu ingin masuk ke pasar Indonesia yang nilai mata uangnya sangat rendah di banding dollar. Contoh dekat, anak-anak Singapore yang memiliki uang nganggur US$ 100, di deposit ke aplikasi fintech pura-pura “made in” Indonesia, lalu ada akun rakyat Indonesia pinjam Rp. 1.000.000,-. Netes uang si anak Singapore yang dikelola fintech Indonesia. Ndak ada bedanya, ketika kita top up di aplikasi marketplace lokal ; seperti Tokopedia/ Gojek – Gopay, Grab – Ovo, Shopee – Shopeepay, dan seterusnya.
Uang PINJOL yang terserap peminjam di Indonesia yang mencapai Rp. 155,9 Trilyun, mungkin belum seberapa besar di banding topup akun member untuk bertransaksi pada aplikasi game judi ONLINE. Untuk ini, topup game judi online, butuh di tulis dan di buktikan, sehingga benar-benar ada dasar atau bukti kerugian di tengah masyarakat kita. Kalau PINJOL dengan bunga mencekik memang nge-RIBA-nget. Secara akat konvensional, peminjam tidak dirugikan dan pihak aplikasi PINJOL tidak bisa dibilang melahirkan kerugian.
Disisi perusahaan PINJOL. Ada yang LEGAL ada yang ILEGAL. Tentu pemahaman ini sangat diluar kapasitas literasi rata-rata kita sebagai akun user guna bertujuan jadi peminjam. LEGAL dan ILEGAL nya itu ter blok / tertutup dinding tebal informasi, bahkan sulit di bedakan mana perusahaan aplikasi PINJOL Legal dan mana aplikasi PINJOL ILEGAL ?. Pinjam-pinjaman bendera PT atau “ngaku-ngaku” berbadan Hukum itu telah membudaya di Indonesia. Dan pasar Indonesia sebut saja rakyat akun di Indonesia yang ber KTP riil itu justru besar ada di aplikasi PINJOL dan game judi ONLINE dibanding pasar akun di aplikasi SIAP KERJA atau aplikasi lowongan kerja Linkedln, Indeed dan lain sebagainya. Kembali ke kesadaran diri kita masing-masing yang lemah.
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