Momentan ist mein Momentum

Hurra…!! Schließlich ist dies, der erste Beitrag auf Deutsch. Ja, ich versuche diesen Beitrag auf Deutsch zu schreiben. NatĂŒrlich benutze ich Google Übersetzer. Das Momentum im Titel, die ich meine, ist tatsĂ€chlich „momentum” in Indonesisch1. Ich habe in den letzten paar Monaten in kurzer Zeit viele Erfahrungen gesammelt. Also möchte ich sie hier teilen. Das Wichtigste ist die Lektion, die ich von ihnen gelernt habe.

Continue reading “Momentan ist mein Momentum”

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Jenius, isn’t it?

This post is in Bahasa Indonesia. If you’d like to read this post in English, go to the 2nd page of this post.

Ini adalah pos pertama yang menggunakan bahasa Indonesia sejak 3 atau 4 tahun terakhir. Saya sudah cukup konsisten menulis pos dengan menggunakan bahasa Inggris –yang seadanya. Kali ini, saya bukannya ingin mematahkan konsistensi itu. Hanya saja, topik tulisan ini tentang Jenius, “…banking reinvented” dari sebuah bank BUMN, yakni BTPN. Sebenarnya sudah lama mau menulis ulasan tentang Jenius app. Kenapa harus menulis ulasan? Karena ada “hutang moral” darinya. Hahaha… bercanda …tapi serius. Saya mencoba untuk tidak mencontek ulasan dari blog mana pun. Jadi tulisan ini murni pengalaman saya pribadi dalam menggunakan layanannya selama ini.

jenius-account

Laman dasbor akun Jenius menampilkan kuota transaksi gratis antar-bank

Dengan semboyan “Jenius, isn’t it“, digital banking pertama dari sebuah bank besar di Indonesia ini sangat menarik. Mulai dari Jenius itu sendiri sebagai sebuah entitas, nama, logo/ikon, hingga fitur-fitur yang ditawarakannya. Nama “Jenius” dan semboyan tadi cukup membikin saya penasaran, apalagi logonya. Menilik sebuah dari artikel Techinasia1, ternyata perihal nama adalah hasil dari pendekatan yang mereka lakukan dalam menggebrak pakem layanan perbankan dengan smart digital banking yang mereka tawarkan. Sedangkan logonya, ah, suka-suka mereka. Hehe… Memang jenius, kan?

Dari informasi tadi1 juga, dapat kita ketahui bahwa Jenius ini memang sebuah inisiasi resmi BTPN, walaupun di dalam kantornya –yang unik– serasa seperti sebuah start-up atau perusahaan fintech. Saya juga sempat mengira dia ini start-up yang dicaplok oleh BTPN atau entitas terpisah yang hanya numpang infrastruktur perbankan BTPN.

Saya membuka rekening Jenius kira-kira pada awal semester genap tahun lalu. Pembukaan rekeningnya sangat unik, sangat kekinian dan sesuai dengan kultur target pasar mereka: generasi milenial. Ah iya, saya juga termasuk generasi milenial lho. Waktu itu saya hanya bermodalkan ponsel Android dan KTP –serta wajah. Setelah meng-install aplikasinya di ponsel, saya disuruh berswafoto dengan menampakkan KTP di bawah wajah. Kekinian banget kan? Selebihnya saya tidak mengingat.

Singkat kata, permohonan pembukaan rekening saya diterima. Kemudian saya harus menunggu dikirimkannya kartu debit yang nomor kartunya diperlukan untuk aktivasi aplikasi agar bisa digunakan. Pengirimannya cukup lama, kurang lebih dua minggu atau sampai satu bulan –tidak ingat. Pasalnya mereka perlu mengulangi pengiriman itu, yang mungkin karena kesulitan menemukan alamat rumah saya yang di kampung, di daerah pantura Jawa Tengah. Mereka mengantarkan sendiri kelengkapan dokumen rekening tersebut, tanpa jasa kurir. Entah kenapa pada pengiriman pertama, mereka tidak menelepon saya saja seperti pada pengiriman kedua. Saya menduga sebab mereka tidak menemukan alamat rumah saya adalah karena alamatnya kurang jelas (tanpa nomor rumah, blok, dll) atau tidak meyakinkan. Hahaha… ups, saya tidak akan menceritakannya di sini.

Layanan yang berfaedah

Saya tidak begitu ingat dari mana saya –untuk pertama kalinya– mendapatkan info tentang Jenius. Yang jelas, saya membuka rekening saat bekerja di Jogja. Dan waktu itu teman kerja saya juga membuka rekening hampir bersamaan. Tapi pada saat itu, dia mendapatkan kartu debitnya lebih cepat daripada saya, walaupun rumahnya lebih jauh, di pulau Sumatera sana.

Hal yang menarik hati saya untuk mencoba layanan Jenius adalah Visa debit yang mengizinkan pembayaran daring ke luar negeri, dan transfer antar-bank tanpa biaya. Saat itu saya membutuhkan saldo Paypal untuk mengisi credit awal Digitalocean, yang mana saya akan diberi credit gratis $50 dari teman saya tadi. Lebih tepatnya, pacar dia. Lumayan sekali, bisa menghidupi website saya selama 10 bulan dengan asumsi menggunakan droplet termurah di DO. Walaupun sebenarnya niat saya ingin membantu teman saya untuk memanfaatkan credit gratis DO tadi, dengan membuat akun team di DO dengan harapan bisa digunakan bersama. Dia bilang sayang banget kalau tidak terpakai. Sedangkan kendala mereka adalah satu: kartu kredit. Credit DO tersebut hanya akan diperoleh jika mereka terlebih dahulu mengisi saldo credit minimal $5, untuk aktivasi akun DO.

Jadi, bagi saya sendiri, Jenius sangatlah bermanfaat. Saya tidak perlu memiliki kartu kredit untuk pembayaran online. Oleh karena itu, sama masih menggunakannya sampai sekarang. Selain untuk pembayaran online, layanan yang saya manfaatkan adalah transfer antar-bank, dan pernah sekali mencoba membayar tiket kereta api. Untuk transfer uang ke bank lain, nasabah diberikan kuota bebas biaya administrasi sebanyak 25 kali sebulan. Seperti yang terlihat pada gambar di atas, saya masih punya banyak kuota untuk bulan ini. La wong saldonya dikit. Ups…. hahaha.

Konflik

Layaknya hubungan dengan pasangan atau teman, dalam menggunakan app Jenius, saya pernah mengalami masalah dan “drama”. Masalah yang sama seperti pendaftaran awal saya terjadi lagi baru-baru ini. Saya sudah mengajukan pembuatan x-Card (kartu debit fisik tambahan) sekitar sebulan atau dua bulan yang lalu, tapi sampai sekarang belum juga saya terima. Kali ini masalahnya masih sama, soal alamat. Jadi, saya mengganti alamat korespondensi bukan lagi di kampung halaman yang jauh sana. Saya kira akan lebih memudahkan tim Jenius untuk melakukan delivery ke alamat dalam kota, tetapi ternyata sama saja.

Salahnya saya sih, pengajuan x-Card tersebut saya kirim pertengahan bulan puasa kemarin, atau seminggu sebelum cuti panjang. Saya kira dalam seminggu itu kartu sudah dapat dikirimkan dan saya bisa memanfaatkannya (atau memberikannya kepada seseorang, ehem…) saat mudik lebaran. Saat itu sebenarnya waktu-waktu genting, karena setelah lebaran, saya akan pindah alamat. Dan seperti dugaan saya, hal itu akan menimbulkan masalah. Saya sudah tanya status pengiriman beberapa kali, dan saya minta diubah juga alamat pengiriman, tapi sampai sekarang masih saja belum dikirim. Atau.. entahlah.

Selain masalah riil itu, pernah pula saya komplain soal fitur aplikasi yang “membahayakan” privasi. Pada sebuah pembaruan, tiba-tiba aplikasi meminta permission ke kalender Android. Itu sangat mengganggu saya, karena kalender di akun saya berisi hal-hal yang sangat privat. Saya paham kalau mereka tak mungkin akan membaca isi kalender pengguna satu persatu. Buat apa coba? Tapi, karena saya termasuk pengguna yang paranoid soal privasi, ya… begitulah.

Saat saya komplain langsung ke nomor kontak layanan nasabah, alasan mereka meminta akses ke kalender adalah untuk memberikan pemberitahuan event tertentu. Jadi, aplikasi akan mencoba menambahkan entri acara pada tanggal-tanggal khusus ke kalender kita jika kita memberikan akses. Tapi untungnya Android 6 dan yang lebih baru memiliki pembatasan privasi yang cukup ketat, jadi saya tidak sekali pun memperbolehkan akses ke kalender.

Dan, selang beberapa pembaruan berikutnya, permintaan fitur itu akhirnya dihilangkan. Yaay…!2 Mereka sangat mendengarkan suara wong cilik seperti saya. Terharu akutuh. Hahaha..

Tidak tahu juga sih, kenapa mereka memutuskan untuk menghapus fitur itu. Tidak mungkin juga kalau hanya karena satu komplainan. Dan satu hal inilah yang sebenarnya ingin saya sampaikan pada pos ini. Pos yang berkedok ulasan tentang aplikasi. Hehehe..

Sudah, itu saja. Inti permasalahannya sudah saya sampaikan. Maka saya perlu menutup tulisan ini di sini. Saya tidak perlu menceritakan perihal lamaran kerja saya ke Jenius yang tidak ditanggapi kan? Eh

Mulai dari Nol

That literally means “start from zero”. I don’t know the exact translation in English though. But yeah, hope you get the idea.

It was a subject of an email I receive from my subscription on Dicoding. I haven’t got it exactly what they meant about their story in the email content, to be related to the subject. Except for the idea about everything big is started from zero –if I’m not wrong in understanding it. That includes the journey of their company for past few years. How they started from the very beginning until now that they have achieved some valuable achievements.

In other side, me, is like the antithesis of it. Not to mean that I started from big and now become zero though. For a few years earlier, I sort of have achieved some big things in my life. But it’s likely just my kind of delusion –I don’t know. But, in some cases, at least I have initiated some big decisions to accomplish in past few years –exactly two or three years ago. And there are still many more things that I need to start up from zero, from now. Like, deleting Facebook for instance.

Farewell, mortal world

Yeah, eventually after seven years and thirty three days, I managed to ditch that “social media” from my real life and can live freely. It’s not that easy to do though. I have attempted several times to quit, but I ended up coming back and forth. Until June 14, 2018, the historical day in my life when “my account” completely hidden somewhere in the Facebook server. I don’t say “remove” as someone said that Facebook don’t really remove the user data from their server.

It has no correlation with the recent Cambridge Analytica scandal actually. I’m just fulfilling my 2018 resolution to quit social media gradually. Thus about the leak of user data, I have been aware about the risk for quite long time. But there are more important reasons for me to quit than just worrying my private information that’s non-sense for anybody.

Facebook is rotting. They made the platform no more social media but merely ads media. Hoaxes and hate speeches spread uncontrolled although Facebook keep trying to eradicate them. Moreover, the scariest thing they have is the filter bubble effect. They made sort of dichotomy among users, and made them being more themselves. I mean… you got the idea.

Yeah, I’m just sort of a pathetic human being with a pessimistic thinking about how social media is used. But whatever goodness they offer, I chose quitting them, for good. Farewell.

Hey, wait! I have downloaded my data from their server before I really deleted my Facebook account. You may see how it looks like, but not all actually. I remove most stuffs and let some public items I have posted. I uploaded it to my website as a sort of digital artifact, and maybe it’s useful enough for other people –who knows. Click here to see my downloaded Facebook data.

Trafi: Be a Jakartan Like a Local

A friend of mine told me about a nifty app: Trafi. It provides us complete routes information of public transportation in some big cities, including Jakarta. It helps me a lot as a newbie newcomer in this mega city. And I’m so grateful for my friend who told me that app.

Screenshot_Trafi_1

Realtime position of trans jakarta bus displayed in Trafi route

The information it provides includes the routes and schedules of KRL (Jakarta Commuter Line), Trans Jakarta (busway), Medium buses (Kopaja, Metromini), as well as angkot (angkutan kota / common public transportation). And if –for some reason– there are no route available for your destination, it will return walking route instead.

Screenshot_Trafi_2

Details of route displaying bus stops

The schedule estimation doesn’t always give you the right time. So, don’t expect it tell you the exact time of arrival. Be prepare for the worst thing, and spare some time for your convenient. But, most of the time, it can predict the close departure and arrival time of KRL and Trans Jakarta but not angkot. And it’s handy especially for strangers, newcomers or travelers (and backpackers) who have no acquaintance in this city to traveling to local destination.

Installing KDEConnect Indicator on Budgie Desktop

So, I missed a crucial info in my previous post about the switch of my desktop from KDE to Budgie. The KDE “flavor” that I meant was KDE connect indicator, as well as its context menu in Dolphin file manager to send files to Android. Actually it’s something that retains me to stay loyal using KDE desktop for quite some time. It’s a nifty app for me, as I can get every notification from my phone right away without touching it.

When I decided to move to Budgie, I also looked for similar apps that I used to have in KDE, including this KDE connect. Fortunately, there has been some projects that support KDE connect for Budgie, or Gnome in common. And among them, I chose indicator-kdeconnect applet by Bajoja in Github. (The repo might will move to Gitlab soon 🙂 )

The project has provided install instruction for Fedora. Here is the snippet:

on Fedora:
-> sudo dnf install gtk3-devel
-> sudo dnf install libappindicator-gtk3-devel
-> sudo dnf install cmake
-> sudo dnf install vala-devel
-> sudo dnf install python3-requests-oauthlib
-> sudo dnf install nautilus-python (if you use Nautilus)
            nemo-python (if you use Nemo)
            caja-python (if you use Caja)

Obviously you should install kdeconnect 1.0.0 or up to use the features

compile:
    mkdir build
    cd build
    cmake .. -DCMAKE_INSTALL_PREFIX=/usr
    make
sudo make install

After finishing the compilation process, and running the binary, I got the KDE connect indicator in the panel.

kdeconnect-indicator-building

Compile process of indicator-kdeconnect in Budgie desktop

Of course I have installed the KDE connect binary and made sure it’s running, in order to have the context menu in Dolphin to send files.

kdeconnect-budgie

Android files are displayed in Dolphin

Everything of KDE connect is working fine, including multimedia controller, remote input, as well as copy-paste text into and from device. Although for the latter, I haven’t found the corresponding feature like KDE’s clipper for copied texts in Budgie.

It’s Budgie desktop in Fedora 28. Yeah, actually it’s quite pretty neat, and lightweight!

I think I have to switch desktop in this Fedora installation in my laptop, because it feels quite laggy with KDE, although when I boot to openSUSE, it’s not so. I’ve realized that the best distro that makes great KDE configurations is openSUSE, not Fedora. I’m sorry to say that, but that’s what I got so far. Fedora, I’m sure, is great in Gnome 3 support, as it is the default desktop for Fedora Workstation. But, I’m not too interested to give Gnome 3 a try as for now.

So, instead of Gnome 3, I got interested to Budgie desktop of Solus project. I was wondering its lightweight as often discussed on @fedoraid Telegram group, especially by bro @alunux. And actually, he is the one –maybe the only as well– who provides a COPR repo of Budgie desktop for Fedora. And of course I install it from there. Thanks buddy @alunux. 😀 Keep it on!

Budgie desktop in KDE flavor

Go-Jek and Tuyul: A Tale of Digital Age

This post is the sequel of the previous post about Go-Jek, where I have explained what it is. As for “tuyul”, you may haven’t got it, right? Actually it’s the name of a kind of ghost (in South East Asian archipelago) of mischievous thief in a form of small child or baby, and it’s bald-headed.

You may begin puzzled with this post title, after reading that definition of “tuyul” (or “toyol” in Malay). Yeah, an app of ride-sharing service is completely nothing to do with mythical creatures. But, that ghost, now has transformed into digital creatures. Its job remains unchanged: stealing money. Of course not the real money we usually use to buy some goods.

So, the “tuyul” here is a term they call for the fraud they do by faking their current location. Technically, Go-Jek drivers would obtain passengers who are in the nearby location.  Since the mechanism to obtain the passenger is to as quickly as possible grasp the orders be as nearest as possible to the passenger, there is a fierce competition among the drivers. So, to obtain more passengers, they have to stand by in a crowded place where is potential enough that the passengers likely will order a ride. While, there are of course other drivers waiting for passengers as well. Some of them, then, come up with that fraudulent behavior: make use of that bald-headed mischievous “thief”.

Actually, I keep on thinking of the moment when a Go-Jek driver got mad of me last night. That’s why I write this post. I ordered a ride with Go-Jek app in the late night. I suspected the driver was deceiving his real location with the “tuyul”. I just didn’t want to wait longer for the pick-up, because I saw weirdness, then. I threatened him by telling –via chat in the app– that I would cancel the order. I didn’t know that the cancellation was a big deal for him.

That naive-ness drove me crazy all this day, and I quite worry if the driver may take revenge of me. I keep on thinking why on earth I got so sick of fraudulent. But of course I don’t know whether that driver using “tuyul” or not. It’s just my own prejudice. O God, forgive me!

I just didn’t understand either, why that driver got very mad of me due to that threat. I understand that it’s been late, and yeah, life is hard. Actually though, I still want to take ride and continue my order, if he arrive no longer than I was worry of. But, let bygones be bygones. And let it be a lesson for me. I’m really sorry, bro, if you read this.

Baraka

Let’s talk about the fraud again, and why I got so sick of it. I think, such fraud is unfair, isn’t it? Not only for passengers, but also for other drivers. Think of it! The passenger who orders a ride, would wait for pick-up much longer, if the real location of driver is fake. And for other drivers, honest one, who don’t use fraudulent and still want to stand-by in the real location, even it’s in the sun and sweating, they are cheated by their own fellows. It’s so painful, you know.

I remembered the lecture of Sharia Micro-Economics in the last week. The lecturer, Pak Hafidz told us about barakah (blessings) as an aspect to achieve maslahah (welfare, benefit) in Islamic economics.1 The formulation of maslahah is:

M = Π + B

where M is Maslahah, Π (Pi) is total revenue (in terms of production), B is Barakah (you may read another formulation interpretation in the footnote2)

It’s reasonable that everyone wants to maximize the income / revenue of his/her work or production. And it’s legal, as long as it’s conducted in a correct way. Islam also encourage us to take maximum advantage in the production or selling. But, Islam has some guidelines and rules to achieve that: maslahah.

Everyone can gain the maximum revenue, in any way. But if it doesn’t include barakah, then it would not achieve maslahah. Instead, it may cause harmful impact. Just like the “tuyul” we are talking about.

It can’t be denied that if we apply barakah, it would increase total cost or effort. For instance, the innocent Go-Jek drivers would need more efforts and sacrifice, i.e to stand by waiting for passenger, perhaps in a uncomfortable place as well. But they would not do harm to other drivers as well as passengers. They don’t grabbed other drivers’ rights, and the passengers don’t need to wait any longer for pick-up. And “tuyul” is in contrast.

However, it’s the reality, that there are many people do fraud for the sake of their personal gain. They don’t take into account from where their money come from. May God gives them guidance. And may you and I always have baraka in every our activities.


  1.  http://1000daya.blogspot.co.id/2010/11/role-of-maslahah-in-defining-goals-of.html 
  2.  http://makalahegi.blogspot.co.id/2012/09/mencari-maslahah-dengan-ekonomi-syariah.html