SEARCH THE BLOG

Ads-728

Cat-1

Cat-2

Cat-3

Cat-4

October 2016

DELUXSHIONIST TRIP TO PPF GROUP OFFICE PRAGUE

MEETING AT HOME CREDIT HEAD QUARTER - Yes you read it right! Walau tujuan utama kita datang ke Praha ada untuk jalan-jalan (?) ehhh tapi Praha adalah tempat lahirnya Home Credit, semua berawal dari sini, dan sebuah kesempatan yang berharga bisa mengunjungi kantor pusat Home Credit dibawah PPF Group di Praha, bahkan sebagai bonus kami pun diajak untuk mengenal perkembangan finansial di negara ini dengan mengunjungi pusat inkubasi digital khusus untuk mengembangkan produk Home Credit, Zonky dan juga salah satu Bank favorit di Republik Ceko, Air Bank.

Berkesempatan bertemu dengan Group Head of Public Relation, Mr. Milan Tomanek yang banyak menjelaskan tentang perkembangan bisnis Home Credit di Republick Ceko hingga bisa berekspansi hingga ke Asia, bahkan menembus pasar China juga melebarkan sayap di Indonesia. Dalam waktu yang relatif singkat Home Credit Indonesia bisa menjadi perusahaan pembiyaan multiguna yang perkembangannya sangat pesat di Indonesia, bahkan hingga menduduki peringkat 2 di Indonesia.

Kami berdiskusi tentang bisnis Home Credit, dan bagaimana cara mereka berkerja. Satu hal yang kami sadari bahwa Indonesia adalah market yang besar dan "empuk" untuk bisnis semacam ini, karena pada dasarnya manusia itu konsumtif, namun seperti yang sudah dibahas sebelumnya bagaimana agar bisnis pembiyaan ini bukan hanya tentang ekonomi dan bisnis, namun tentang memberikan kesempatan bagi semua orang untuk memperoleh ada yang mereka butuhkan.

Ada satu kalimat yang saya ingat, bahwa indikasi Home Credit dalam memberikan kredit adalah dari kemampuan pelanggan untuk membayar, bukan pada jaminan yang bisa pelanggan berikan. Hal ini mengindikasikan kredit yang bertanggung jawab antara Home Credit dan para pelanggannya. Tidak semua orang punya akses ke kartu kredit dan perbankan, dan inilah yang Home Credit sediakan untuk membantu para pelanggannya dalam memenuhi kebutuhannya akan kredit, dalam hal ini misalnya kredit barang elektronik seperti handphone dan laptop yang masih menjadi komoditi terbesar Home Credit dalam memberikan kredit.

Dari sesi diskusi yang singkat ini, didapat pelajaran bahwa jika memang ada beberapa orang yang terbantu karena kredit, disinilah perlunya literasi keuangan dari pelanggan itu sendiri. Dari sisi Home Credit pun mempunyai cara tersendiri dalam menyetujui pemberian kredit kepada pelanggan. Semua informasi dapat dilihat di website Home Credit Indonesia

Oh iya, Kantor PPF Group ini juga keren banget desain interiornya, meeting room yang tematik, juga kesan dinamis dari detail-detail desainnya, itu karena PPF memiliki perusahaan yang bergerak dibidang Real Estate dan Art. Setelah itu kita diajak ke semacam digital co-working space, dimana PPF mempercayakan sebuah project digital bernama Zonky pada agency ini, dimana kantornya lebih berkesan santai dan, kasual (Bayangkan sebuah digital agency dengan anak-anak muda yang enerjik dan kreatif). Dimana Zonky ini adalah portal digital yang mempertemukan kreditur dengan debitur (bener gak sih bahasanya? lol) dalam skala yang lebih kecil. Relasi yang tercipta di Zonky pun berkesan sangat personal, karena setiap debitur (orang yang meminjam sejumlah dana) harus menuliskan alasannya mengapa membutuhkan sejumlah dana. Setiap kreditur pun dibatasi dalam hal meminjamkan uang. (ya pokoknya seperti itu, kalau tidak salah sudah ada juga di Indonesia, tapi lupa apa nama start-up-nya)


Sehabis itu kita lanjutkan dengan jalan-jalan ke Petrin Tower, Charles Bridge dan Keliling-keliling lagi sekitar Old Town karena memang tinggal jalan kaki untuk sampai hotel. Selengkapnya di Deluxshionist Trip to Prague Czech Republic Day 2

Nah, cerita sedikit tentang Air Bank, sesungguhnya aku tidak begitu terlalu mengerti karena ini bener-bener too advanced (belum lagi serangan jet lag ;p), namun sistem seperti ini seakan menjadikan Air Bank lebih dinamis dan mendobrak sistem yang digunakan Bank konvensional kebanyakan. Satu hal lagi, masih gak kebayang sih gimana Bank semacam ini bakal ada di Indonesia. Okay coba bayangkan sebuah bank, yang terlihat seperti warnet dengan warna hijau cerah (okay sebenernya itu gak terlalu penting hahaha)

Yang paling penting adalah cara Air Bank ini mengadopsi teknologi terkini, bahkan ada satu kalimat yang pastinya akan disukai banyak orang "Exceptional Quality Service Without Absurd Fees". Seperti kita tahu bahwa kebanyakan Bank akan menjadi absurd dan cenderung tidak transparan terhadap uang nasabahnya (you knewww, tiap bulan dipotong ini itu, ini dipotong itu dipotong). Di Air Bank ini (yang kantor cabangnya tidak seperti bank), hanya ada sofa-sofa dengan meja yang dilengkapi dengan komputer dan beberapa asisten untuk membantu kegiatan perbankan yang kalian lakukan. Terlihat seperti Internet Banking memang, yang mana sudah bisa kita akses dirumah tanpa harus pergi ke Bank setiap saat.

Masih tetep belum bisa banyangin? Iya, masih terlalu canggih untuk diterapkan di Indonesia, kita tunggu saja kapan Indonesia bisa menerapkan ini yaaa, tapi yang pasti sodara-sodara this is probably the future of banking. 


MEETING IN PRAGUE WITH AIR BANK
DELUXSHIONIST TRIP TO PPF GROUP OFFICE PRAGUE
DELUXSHIONIST TRIP TO PRAGUE CZECH REPUBLIC

DELUXSHIONIST TRIP TO PRAGUE CZECH REPUBLIC: DAY 1 - I have never imagined that the first European country I visited would be the Czech Republic. Well, it wasn't my first attempts to visit Europe, in 2013 I have applied Schengen Visa to attend Paris Fashion Week, although they had granted me with a short visit visa (multiple entries, even) it has never happened. In 2015, after my Bali Trip with Pepsodent, I compete to get a ticket to Prague, but I ended up lost (obviously), but I was not really feeling it because the trip was on winter European time. And finally in 2016, on the beautiful Autumn Season in Northern part of the Earth, I had stepped my two feet in Europe, and it was Prague, Czech Republic because I have submitted a Home Credit article and they choose me to join this trip, but long story short it was amazing experience I had, not only Prague but the iconic city in Czech Republic like Kutna Hora & Cesky Krumlov. I will write the elaborate stories below

I fly from Jakarta CGK Airport by KLM Dutch Airline, transit in Kuala Lumpur for about 1 hour and then transit in Amsterdam for about 6 hours, it was a butt hurt flight but thank god I got a comfortable seat, so when I need to move, I can stand or take a walk to the toilet without disturb other people. I fly with their Boeing 777-300 ER JET, if you want to try the Boeing in a short flight, you can book them for a flight to KL, I was thinking of it because I have an event to attend in KL the week earlier for Mercedes Benz.

The flight went smoothly and the first thing I want to do when I have 6 hours at Amsterdam Airport was charging my phones, brush my teeth and eat McDonalds for almost 10 Euro. After all transit businesses, we changed the flight, we got the smaller size plan and most of the passengers were elderly people, I was like "Really?" I was thinking whether Prague will be boring. We have board etc and there is a young lady that caught my attention because of she kinda pretty and annoying at the same time, seating in the window seat in front of me. Something, where I was flying in the sky that makes me scary as hell, is SHE DID NOT TURN OFF HER PHONE during the flight she was crazy and plainly sending some emails of office drama (ya I was seeing what she does & reading some words, sorryyyy lol), yeaaa I know (maybe) that one or two phones would not affect the communication, but still I was scared. So, please even it was a short flight, turn off your phone to airplane mode and send the emails later would not be hurt. But Thanked God, we safely landed, nice weather about 12-15 Degree Autumn Celcius, Welcome to Ceska Republika.

DELUXSHIONIST TRIP TO PRAGUE CZECH REPUBLIC ASTRONOMICAL CLOCK


As we have arrived in the afternoon, and welcomed by appointed tour agent, who would be likely asked where we want to go, but I think we were all tired and need an hour of clean and rest then strolling around. We had stayed at Ibis Praha Old Town, next to Palladium Mall in a neighborhood (or street) called Namesti Republiky which is walking distance from the old town square, pretty nice. Prague is a major beautiful city on East European side, which is cheaper compared with Central or West Europe countries, I suggest you visit this beautiful city if you someday you plan your mainstream European Itinerary.

1 hour of preparation and clean, we had enjoyed the old town had enjoyed the traditional takeaway snack, that could be eaten by two people "Staroprzske Tradicni TRDLO" Vanilla Dream, which was full of whipped cream and big strawberries ever, it was big, sweet and good, it was like cinnamon bread with sparks of white sugar & traditionally baked or grilled. I forgot how much for the Trdelnik, maybe 65Kr (yes, they don't use Euro, it makes the price here pretty much cheaper) and now I am craving for the Trdelnik with Ice Cream, and now 11 PM, what a perfect time to craving for a food.

DELUXSHIONIST TRIP TO PRAGUE CZECH REPUBLIC
Can you take a picture of me? Yes lol

A photo posted by Herdiana Surachman (@herdianahs) on

I hate it because so many people (what do you expect? A historical old town square with fewer people would be impossible unless the old town back in 5 centuries ago lol). Yes people were coming here, immortilized the Astronomical Clock, eating street food after shop at Pariska Street, playing Segway for a God sake, take a million photos, walking around an old alley and closed the day at Chinese Resto with a plate full of fried rice & grilled duck, that actually safe my existence because of jet lag I woke up at 2 AM and hungry.

More Stories:
MEETING IN PRAGUE WITH HOME CREDIT
DELUXSHIONIST TRIP TO PRAGUE CZECH REPUBLIC PART II
DELUXSHIONIST TRAVEL | VISIT KUTNA HORA
DELUXSHIONIST TRAVEL | EXPLORE CESKY KRUMLOV

DELUXSHIONIST TRIP TO PRAGUE CZECH REPUBLIC


THE LIST OF COUNTRIES INDONESIANS CAN TRAVEL TO WITHOUT A VISA - Because of Instagram I want to travel the world lol

I was thinking to plan a trip somewhere far, anti-mainstream, unique at least every once a year, but honestly, I hate to apply for visa lol or if not, the place I can reach at least ranged $500-$1000 fly coach for an extra adventure and feeling lost. But thank God, Indonesia have Bali, the island full of beautiful things in culture, nature or even modern lifestyle with its luxury resorts, and the world has agreed with that. And it is only less than 2 hours flight away from my home base, I can go back and forth any time or even explore the beauty of the region of South East Asia for the cheapest options.

While travel to EU or US, Indonesians need to apply for a visa, there is another option to travel Visa Free or VoA for these following countries, and I love to put them in on my bucket list for the future travel plan. Countries like Turkey, Morocco, Maldives, Fiji, India, Sri Lanka, Nepal, Tanzania are on my top list of Visa Free/Visa on Arrival countries to visit. Well, really?

While Singapore with Changi, Uni Emirates Arab with their Dubai Airport, Turkey with Ataturk only for transit, it will open the doors for affordable travel, but not really, because direct flight is more expensive than the transit one of course, for example if I want to fly from Turkey to Morocco, there is a cheaper flight but I need to stop first in... Paris or Amsterdam like wth.

The possible route in one trip from the cheapest to the most expensive maybe would be:
  1. India - Nepal - Bhutan - Tibet (Road Trip? or there is direct flight from Delhi to Kathmandu by IndiGo)
  2. Sri Lanka - Maldives (Flight by Mihin Lanka or Srilanka Airlines)
  3. Fiji (There is should be a direct flight from Singapore or transit in Sydney sighhhh)
  4. Turkey (There is direct flight to Istanbul by Turkish Airlines)
  5. Morocco (Transit in Riyadh by Saudia, traveling in Riyadh? hmmm ok)
  6. UEA - Kenya - Tanzania (Direct flight from UEA to Tanzania by flydubai or stop in Kenya first by Kenya Airways)
Quoted from Wikipedia page of Visa Requirements for Indonesian Citizens making Indonesia ranked 79th in the world according to the Visa Restrictions Indexwith visa-free & visa on arrival access to more or less 70 countries and territories.


  1. ANTIGUA AND BARBUDA
    e-Visa - 30 Days
  2. ARMENIA
    Visa on Arrival - 4 Months
  3. BAHRAIN
    e-Visa - 14 Days
  4. BELARUS
    Visas are issued on arrival at the Minsk International Airport if the support documents were submitted not later than 3 business days before expected date of arrival
  5. BRUNEI DARUSSALAM
    Visa Free - 14 Days
  6. BURUNDI
    Visa on Arrival - 3 Months
  7. CAMBODIA
    Visa Free - 30 Days
  8. CAPE VERDE
    Visa on Arrival
  9. CHILE
    Visa Free - 3 Months
  10. CHINA
    Reciprocal visa-waiver is currently under consideration
  11. COLOMBIA
    Visa Free - 6 Monts
  12. COMOROS
    Visa on Arrival
  13. COTE D'IVOIRE
    May obtain online and must arrive at Port Bouet Airport
  14. CUBA
    Tourist Card Required - 30 Days
  15. DJIBOUTI
    Visa on Arrival
  16. DOMINICA
    Visa Free - 21 Days
  17. ECUADOR
    Visa Free - 3 Months
  18. FIJI
    Visa Free - 4 Months
  19. GABON
    eVisa - Electronic visa holders must arrive via Libreville International Airport.
  20. GAMBIA
    Visa Free - 3 Months
  21. GEORGIA
    eVisa
  22. GUINEA-BISSAU
    Visa on Arrival - 3 Months
  23. GUYANAVisa Free - 30 Days
  24. HAITI
    Visa Free - 3 Months
  25. HONGKONG
    Visa Free
  26. INDIA
    e-Tourist Visa - 30 Days
  27. IRAN
    Visa on Arrival - 30 Days
  28. JAPAN
    15 days ; only if the passport is endorsed with a Visa Waiver Registration Certificate. The certificate can only be issued for biometric passport (electronic passport) holders.
  29. JORDAN
    Visa on Arrival - 3 Months
  30. KENYA
    eVisa - 3 Months
  31. KYRGYSTAN
    Visa on Arrival for 1 month. Available at Manas International Airport.
  32. LAOS
    Visa Free - 30 Days
  33. MADAGASCAR
    Visa on Arrival - 3 Months
  34. MALAYSIA
    Visa Free - 30 Days
  35. MALAWI
    Visa on Arrival
  36. MALDIVES
    Visa on Arrival - 30 Days
  37. MARSHALL ISLANDS
    Visa on Arrival - 3 Months
  38. MAURITANIA
    Visa on Arrival - 
    Available at Nouakchott–Oumtounsy International Airport.
  39. MICRONESIA
    Visa Free - 30 Days
  40. MOLDOVA
    eVisa - 3 Months
  41. MOROCCO
    Visa Free - 3 Months
  42. MYANMAR
    Visa Free - 14 Days
  43. NEPAL
    Visa on Arrival - 3 Months
  44. NICARAGUA
    Visa on Arrival - 3 Months
  45. OMAN
    Visa on Arrival - 30 Days
  46. PALAU
    Visa on Arrival - 30 Days
  47. PAPUA NEW GUINEA
    Visa Free - 60 Days
  48. PERU
    Visa Free - 183 Days
  49. PHILIPPINES
    Visa Free - 30 Days
  50. RWANDA
    eVisa - 30 Days
  51. SAINT KITTS AND NEVIS
    eVisa - 30 Days
  52. SAINT VINCENT AND THE GRENADINES
    Visa Free - 30 Days
  53. SAMOA
    Entry Permit on Arrival - 60 Days
  54. SAO TOME AND PRINCIPE
    eVisa - 15 Days
  55. SEYCHELLES
    Visitor's Permit on Arrival - 3 Months
  56. SINGAPORE
    Visa Free - 30 Days
  57. SOMALIA
    Visa on Arrival - 30 Days
  58. SRI LANKA
    eVisa - 30 Day
  59. SURINAME
    Tourist Card on Arrival - 30 Days
  60. TAJIKISTAN
    Visa on Arrival - 
    45 days at Dushanbe International Airport. Visa also available online. E-visa holders can enter through all border points.
  61. TANZANIA
    Visa on Arrival
  62. THAILAND
    Visa Free - 30 Days
  63. TIMOR LESTE
    Visa on Arrival - 30 Days
  64. TOGO
    Visa on Arrival - 7 Days
  65. TURKEY
    eVisa - 30 Days
  66. TUVALU
    Visa on Arrival - 30 Days
  67. UGANDA
    Visa on Arrival - May Apply Online (?)
  68. VIETNAM
    Visa Free - 30 Days
  69. ZAMBIA
    eVisa - 30 Days
  70. ZIMBABWE
    Visa on Arrival - 3 Months
So where we are going next?

SHOP

FEATURES

VIDEO

Cat-5

Cat-6