{"id":20610,"date":"2021-06-24T02:37:44","date_gmt":"2021-06-23T19:37:44","guid":{"rendered":"https:\/\/www.gosipgarut.id\/read\/?p=20610"},"modified":"2021-06-24T02:37:44","modified_gmt":"2021-06-23T19:37:44","slug":"terlalu-bank-emok-tagih-paksa-warga-cisewu-yang-sedang-jalankan-isolasi-covid-19","status":"publish","type":"post","link":"https:\/\/www.gosipgarut.id\/read\/2021-20610\/terlalu-bank-emok-tagih-paksa-warga-cisewu-yang-sedang-jalankan-isolasi-covid-19.html","title":{"rendered":"Terlalu, “Bank Emok” Tagih Paksa Warga Cisewu yang Sedang Jalankan Isolasi Covid-19"},"content":{"rendered":"

GOSIPGARUT.ID —<\/b><\/span> Sangat keterlaluan praktik penagihan utang yang dilakukan pihak Permodalan Nasional Madani (PNM) Mekaar Syariah terhadap salah satu keluarga di Desa Cisewu, Kecamatan Cisewu, Kabupaten Garut, pada Selasa (22\/6\/2021).<\/p>\n

Petugas dari lembaga keuangan yang lebih dikenal dengan istilah “Bank Emok” itu melakukan penagihan secara paksa tanpa menghiraukan kondisi yang tengah dialami nasabah, di mana saat itu si nasabah dan suaminya tengah menjalani isolasi mandiri karena terpapar Covid-19.<\/p>\n

“Di saat kami menjalani isolasi, petugas ‘Bank Emok’ itu datang ke rumah dan meminta kami untuk membayar angsuran utang hari itu juga. Jika kami tidak bisa membayar, petugas tersebut mengancam akan terus diam di rumah kami sampai angsuran utang dibayar,” kata nasabah yang diwakili oleh suaminya bernama Asep, Rabu (23\/6\/2021).<\/p>\n

Ia menuturkan bahwa pihaknya telah meminta keringanan kepada petugas untuk menangguhkan pembayaran angsuran utangnya hingga dua atau tiga hari ke depan mengingat sedang menjalankan isolasi mandiri. Tetapi petugas itu tetap menolaknya, dan meminta nasabah untuk tetap membayar dengan cara bagaimana pun.<\/p>\n

“Petugas ‘Bank Emok’ yang datang ke rumah kami sebanyak dua orang, dua-duanya wanita berusia masih muda. Cara penagihan yang mereka lakukan sungguh tidak elok, emosi saya pun hampir saja terpancing dengan sikap keduanya itu,” ujar Asep.<\/p>\n

Ia menerangkan, ada alasan lain mengapa pihaknya saat itu tidak membayar angsuran hutangnya selain tengah menjalankan isolasi mandiri. Yaitu, karena adanya surat edaran dari Kepala Desa Cisewu, yang isinya agar para nasabah pemilik utang ke ‘Bank Emok’ untuk menunda pembayarannya sehubungan kasus Covid-19 sedang melonjak di Cisewu.<\/p>\n

“Jadi, alasan kami meminta menundaan pembayaran utang, semata-mata karena dua hal. Pertama, kami sedang menjalankan isolasi mandiri, dan kedua karena adanya surat edaran Kades Cisewu tentang keringanan waktu pembayaran utang ke ‘Bank Emok’. Karena, setelah kasus Covid-19 mereda, pembayaran angsuran utang akan kembali dilakukan,” ujar Asep.<\/p>\n

Lantaran merasa tidak suka dengan cara yang dilakukan dua penagih dari “Bank Emok” tersebut, diakui dia, saat itu juga Asep langsung menelepon atasan si penagih untuk memperoleh keringanan waktu pembayaran utang, yaitu penundaan bebeberapa hari ke depan setelah masa isolasi mandiri usai.<\/p>\n

Setelah berargumen cukup panjang dengan atasan si penagih, lanjut dia, akhirnya Asep pun diberi keringanan untuk membayar angsuran utang sebesar Rp200 ribu per minggu pada keesokan harinya, Rabu (23\/6\/2021).<\/p>\n

“Pada Rabu pagi saya bayar angsuran utang itu untuk seminggu ini. Adapun utang saya semuanya tidak lebih dari Rp5 juta, yang harus diangsur tiap minggu,” terang Asep.<\/p>\n

“Saya tidak keberatan dengan keharusan membayar utang, tetapi yang menjadi keberatan bagi saya adalah cara petugas dalam menagih. Seharusnya di saat nasabah punya halangan besar, si penagih punya sedikit toleransi tidak memaksa nasabah untuk membayar utang hari itu juga,” tambah dia.<\/p>\n

Kepala Cabang PNM Mekaar Syariah Cisewu, Miftah, menampik kalau cara yang dilakukan kedua petugasnya dalam menagih utang kepada keluarga Asep itu adalah atas perintahnya. Kepada GOSIPGARUT.ID<\/b> yang mengkonfirmasi pada Rabu sore (23\/6\/2021), Miftah mengatakan bahwa pihaknya melarang semua petugas PNM Mekaar Syariah melakukan penagihan utang dengan cara memaksa.<\/p>\n

“Kami tahu saat ini sedang pandemi Covid-19, di mana sangat berpengaruh pada perekonomian nasabah. Karena hal itu, maka kami pun tidak memaksa nasabah yang memiliki utang harus segera membayarnya. Tapi kami cukup toleran, bagi nasabah yang belum punya uang saat jatuh tempo, bisa ada penangguhan bayar,” ucap dia.<\/p>\n

Menurut Miftah, sejak pandemi Covid-19, kegiatan pertemuan (tatap muka) antara petugas PNM dengan nasabah terus dikurangi. Begitu pun cara penagihan, yaitu petugas mendatangi rumah nasabah, sudah jarang dilakukan mengingat dikhawatirkan terjadinya penyebaran virus corona.<\/p>\n

“Jika harus bertatap muka pun, petugas hanya mendatangi ketua kelompok para nasabah. Jadi, untuk nasabah yang akan membayar utang, bisa menitipkan kepada ketua kelompoknya. Dengan cara itu, pembayaran utang dari nasabah selama ini lancar-lancar saja, termasuk dari nasabah yang terpapar Covid-19,” katanya.<\/p>\n

Saat disinggung soal adanya surat edaran dari Kades Cisewu yang meminta nasabah PNM di wilayahnya untuk menangguhkan masa pembayaran utangnya sampai kasus Covid-19 di Cisewu mereda, Miftah mengaku tidak pernah menerima pemberitahuan adanya surat edaran tersebut, baik dari pihak desa maupun pihak lain yang terkait.<\/p>\n

“Semestinya, kalau mau mengeluarkan surat edaran itu, pihak desa menghubungi dan memberitahu kami dulu. Hal ini dimaksudkan agar petugas kami dengan nasabah di lapangan tidak terjadi miskomunikasi dan salah pengertian,” ujarnya. ***<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"

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