Looking for Profits from Money Changer Business
Being a money exchange service provider has become a family-run business that pioneered Ote's grandmother. The man who still bershatuskan as a student is said late grandmother has been regularly selling rupiah money every year since Ote's mother 20 years old.
During the sale, Ote is not alone. He peddled the rupiah denomination along with other family members. Ote who when encountered was sitting relaxed on his motorcycle seat mentioning aunts, uncles, cousins, until his aunt's in-laws also offer money exchange service.
"Indeed in my family is hereditary. Sometimes there are neighbors who want to sell money. Finally come, his children are also taken, "said Ote to Tirto .
Distributing money to relatives during Idul Fitri day has become a tradition in some among Indonesian Muslim families. Typically, older family members or already employed give money to children or those who have not worked. The nominal amount of money distributed mostly consists of Rp 1,000, Rp2,000, Rp5,000, Rp10,000 and Rp20,000. This tradition makes the Ote family's business survive today.
Ote claims the money he provides is guaranteed authenticity and quantity. According to Ote, it is obligatory for her and other family members not to fool consumers.
"Anyway what's inside the plastic is real money and the count is not to be wrong. We're every year here, so let people know, if you want to trade here again, "Ote explained.
Before selling at Jalan Mabes Hankam, Ote family once traded rupiah money around Kampung Rambutan Terminal, East Jakarta. However, as the number of merchants offering similar services more and more there, they decided to move.
At Jalan Mabes Hankam, heading to Kampung Rambutan Terminal, Ote and other members of his family stood close together. Ote is third after his uncles.
Ote says the vehicles coming from Cilangkap's direction tend to exchange money to his uncle standing in the front row. He told me a few days ago his uncle could exchange money up to Rp40 million. While himself, so far maximal managed to exchange money of Rp 5 million.
"Actually I want to go forward, just because they're there first, so I'm here. Moreover, there is already a provision that set, "Ote said again.
From every transaction made, Ote earns a commission of 10 percent of the amount redeemed. Say there are consumers who want to exchange money of Rp100.000 in certain denominations, then he must pay Rp110.000.
The money of Rp10,000 is then a benefit for Ote. To me, Ote claims the advantage is entirely his. If in a day fractional money that is exchanged on average reaches Rp 5 million, then the profit per day is around Rp500 thousand.
"If I can indeed split the money worth Rp50 million. So if the fractions are already exchanged, the profit is completely for me, "said Ote.
As touched on the origin of the money she earned, Ote admitted it could be from her uncle. He claimed his uncle was getting a shard of money from his acquaintance working in the bank.
In addition to Ote, I also had time to meet one of the seller of another rupiah denomination named Erik (34). The man who works as a private employee everyday has been selling rupiah denomination since H-7 until H-1 Lebaran. Erik claimed the fraction of his money reached Rp60 million.
Unlike the case with Ote, Erik claimed to be a fraction of the money from an acquaintance. The figure who called Erik with the title of "Boss" is what he said has a network to people in the bank.
"The profit of each exchange of money is 10 percent. If the amount itself is not certain, can be a day can be Rp5 million, but like today just a new nuclear Rp600 thousand, "said Erik to Tirto , Tuesday (12/06/2018).
If the benefits of Ote entirely fit into his pocket, unlike Erik. Although he did not specify the percentage to be deposited, Erik confirmed that there was a profit sharing to be done with the Boss.
Being a money changer is not without risk. Erik said his colleague's money had been forcibly taken away. "He was selling again near me here, suddenly there was a car approaching and the money was taken away. Directly deh his car pursued as a motorcycle taxi driver. Luckily caught, "Erik said.
Both Ote and Erik essentially agree that the street money seller should not operate alone. In addition to choosing a place near the crowd or adjacent to other vendors, the seller of money denominations should also be accompanied by relatives for security and safety reasons.
Not only face the threat of pickpocketing, not infrequently there are also hypnotized or cheated while being offered. "So far the most security risks like that, not until there is a reprimand to not sell," said Erik who has been selling money shards since the last three years.
Related to the reprimand from the authorities as mentioned by Erik, Ote also mentioned that as long as he was selling money, there was never a ban he received.
Ote himself claimed only once once visited by a member of the TNI who asked the authenticity of money and ensure he did not cheat consumers.Bank Indonesia (BI) has previously appealed to the public not to exchange money on the roadside. According to BI Deputy Governor Rosmaya Hadi, money should not be traded so that people must exchange money to various points that have been approved BI, at no additional cost.
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