Based on further investigation, the editorial team realized that the news was not balanced because there was no confirmation from Koperumnas. Thus, the Editors decided to drop the three news stories based on the consideration of the common good and include the right of reply from Koperumnas. For this reason, through this article, the editorial staff apologizes for the inconvenience of the news in the hope that it will not happen again in the future. Through this paper, the Editor will straighten the information and at the same time want to thoroughly explore Koperumnas. Based on a special interview with the General Manager of Koperumnas Diah Kusuma Putri Muda, Friday (14/8/2020), Koperumnas confirmed its commitment to helping low-income people (MBR) who mostly work in the informal sector and people who do not have a steady income to own their own homes. By carrying out the concept of a sharia housing business without usury and without banks, Koperumnas aims to help the lower class of society to own a house in an easy and inexpensive way. It is enough to have an identity card (KTP) and a family card and submit a photo to become a member of Koperumnas. Thus, the public will no longer be constrained by burdensome conditions such as BI checking, salary slips, down payments, age and profession restrictions, expensive installments, and other requirements that have been difficult so far. The following is a complete interview with the General Manager of Koperumnas Diah Kusuma Putri Muda accompanied by Marketing Manager Endah Rosmawati.
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What is Koperumnas and how? Koperumnas aims to help low-income communities such as motorcycle taxi drivers, parking attendants, street vendors, civil servants, TNI/Polri, and the general public. So far, few have thought about them. Whereas they, people with low incomes also want to have their own house. In fact, many people have been contracted for 30 years. Now Koperumnas is here to provide a solution. They are very happy to have the opportunity to get a house easily and cheaply. Koperumnas has the principle of no usury. We are a sharia-based cooperative complete with a Sharia Supervisory Board. Even in practice, the selling price of the house that was set from the beginning to the end did not change, it was flat. To get a house at Koperumnas, Koperumnas members only pay a Principal Deposit of Rp. 300,000 plus a mandatory deposit of Rp. 1.5 million as monthly installments. This means that members only need to save IDR 50,000/day. If the installments are smooth without being in arrears for two years, then the third year you can certainly get a house. We built the house. If you are late in paying the installments, the construction of the house will be delayed. How is the development of the cooperative so far? Thank God, thanks to the trust of the people, Koperumnas now has 30 housing locations throughout Indonesia. There are in Greater Jakarta, two in Banten, Sumatra, Kalimantan and Sulawesi. For the Tanjung Pinang location, we have handed over the keys to 14 members who are also our customers. They have occupied the house. In the near future, in Jonggol, Bogor Regency, West Java, we are also ready to hand over the keys to the cooperative members.
The installment amount is also set at the beginning.
Other areas followed soon. We have implemented an online system since the beginning so that we are not affected at all even in the Covid-19 condition. We are constantly moving, developing and advancing. Those consumers who buy houses are members of the cooperative. The marketing partners are also members of the cooperative, not other people. So every member also has the opportunity to earn additional income by becoming our marketing. If you successfully refer one member, you will get a marketing fee of IDR 300,000. If every month they bring in five new members, the income can be used to pay the house installments. Have you faced any problems so far? There are bound to be obstacles, but every problem we resolve through deliberation so that whatever problems the members face, there will be a solution. Professionally, we also provide a crisis center with the aim that as early as possible we are able to detect problems that arise and we can quickly find solutions and solve problems. Crisis centers usually receive complaints about installment problems or complaints about moving housing locations. Also the problem of canceling members who intend to resign. For members who cancel their intention, take back the installments that have been paid, Koperumnas already has a mechanism and standard operating procedure (SOP). We avoid moving housing locations. But when it happens we have to face it. For example, the land owner cancels, or the land changes ownership. The purchase of land was agreed upon from the beginning with a installment system and was legally valid through a Sale and Purchase Binding Agreement (PPJB) at a notary. The installment amount is also set at the beginning. However, along with various conditions, the installments of cooperative members may increase or be less. Likewise with installments to land owners, installments can be according to the agreement, or less. But all of that has been mutually agreed upon from the start.
How to Check Vehicle Number Plate Owners Online, Easy!
Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.
Therefore you must know some important things in how to drive an automatic car below.
If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, these positions are used to reverse. If the lever is in the R position, the car will not start when it is started.
When you enter the key, do not immediately start the engine. You should wait for the needle to spin until the indicator is active or lit which indicates the electricity is ready. Some types of automatic cars provide an indicator in the form of sound when the car is really ready to be started. When first starting, it is recommended to step on and hold the brake pedal for safety reasons because you are afraid that the car will suddenly accelerate forward. Some automatic cars have an automatic procedure that keeps the engine running if you don't press the brake pedal, although some don't. When the engine is on and you want to start moving, the first step that needs to be done is to change the gear position of your automatic car which was originally in position P or N, to position R to go backwards or D to go forward. It is important to depress the brake pedal at the same time as moving the lever in gear. This method can prevent damage to the machine. The transmission lever aka gear or automatic car gear is an important component that affects the speed of the car.