SEA TVET Student Exchange Program

22/02/2019 Friday  Today is the last day at Universitas Muhammadiyah Purwokerto. I feel so sad to leave Purwokerto because i just get to comfort myself here. A month is not enough.But i had learn and gain knowledge about Purwokerto culture and more.Special thanks to UMP for receiving us and treat us well.I hope that there will be more collaboration between PTSB and UMP in future.

21/02/2019 Thursday  Tonight, our friends took us out for a dinner at Hangout Cafe. Its like a small farewell because we are going back to Malaysia soon. It was great to have such friends. The one that always help us eventhough we just meet and start to get know each.But we feel like we already become friend for a long time. Thanks for everything guys. We will not forget all of you. Hope that we will meet again in future.

21/02/2019 Thursday   Bonding time with my friends at Baturadden, Purwokerto before we go back to Malaysia. We just get some refreshment after go to this wonderful nature waterfall here make us feel free after our hectic week.

21/02/2019 Thursday  A million thanks to Bank Syariah Mandiri, Purwokerto for their willingness accept us during our student exchange program. Lots of new knowledge and experience we learned here not even in banking sector, we also taught about their culture . The office staff so friendly and treat us well. I hope they will success in future and reach their target. 

16/02/2019 Saturday Taking about 2 hours by car from Jogja, the road to Krakal Beach is quite fair and in good condition. Some foodstalls and hotels are also easy to find around the beach, making it easy for you to spend a night here. It has sloping coastal line covered by white sands along with clear waves make it stunning beach that I have go in my life. I hope i can explore more beach in future.

                                                        14/02/2019 Thursday We got  the opportunity to visit the customer's home located in Purbalingga, Central Jawa, Indonesia  to assess the asset being used as collateral. Any value of the loan should be lower than the asset value. Property valuers must take a picture as evidence for inclusion in the file. Beside that, he also needs to use a corner measuring camera to identify the real breadth of the customer's home.

13/02/2019 Wednesday  Today  is the last day for Mr. Amin from the micro marketing sector as he will move to another bank branch. For me, he is a leader who has a high dream to achieve the target marketing level. He is also a friendly and able to joke around his assertiveness. Hopefully simplified all the affairs of Mr. Amin.

                                          11/02/2019 Monday Today I be with Mr. Gogo, Mr.Kuat, Mr. Judy and Mr. Abdul from the marketing department of the pension. I'm here to learn a lot about bilateral communication because the staff here need to meet with customers to offer financing. I can also go down to the customer's home to see how they are looking for a customer. From there I can conclude that they are very patient and professional in the process of communicating with customers because in this area they are most likely to deal with aggressive customers and so on. But the staff here wisely control the problem. Syariah bank loans are also reasonably priced with low marginal cost which can reduce the burden of pensionable staff

07/02/2019 Thursday  Thanks to the Puan dida for helping us to learn about gold products in the Bank Syariah Mandiri. Then now I realised that gold is liqiud and will not be affected if inflation occurs. "Do not wait for the time to buy gold, if there is money immediately buy so do not regret it in the future" said Puan Dida. Don't worry, that's not pure hold, hehe.

                                                                                                 04/04/2019 Monday The day we enter Bank Syariah Mandiri, Purwokerto is the place of our internship. All the staff welcoming us well. They brief us a bit about the bank so we know what we need to do during our internship. What more interesting is,the staffs here are so friendly and cheerful. They'll help us whenever we need them. I hope that we can gain more knowledge and experience during our internship here. And not to forget,the work and skills culture in Indonesia. I will use this opportunity perfectly to gain something that worth a lifetime.

 02/02/2019  saturday  I'm happy to play futsal with my friends from Indonesia, here I feel like playing in a different team of countries with a high spirit of sportsmanship. They have a good strategy and style of play because they average playing football. For them sports are their lifestyles to be more healthy and vibrant. Good  to play together.

29/1 / 2019, Tuesday Today activity is a walk around Baturaden.Our coordinator brought us with other international students, from Taiwan, Philipines, Sudan and Hungary. And today, we experience by our own, on how to rearing a cow.The officer of the farm taught us everything and tell us what we need to know before going in this rearing. We had a great time with the buddies, coordinators and our new friends.

Friday 25 January 2019 Day first journey to Indonesia  

Assalamualaikum warrahmatullahiwabarakatuh, before the ship continues to sail, before the ocean is wide, before it is arranged neatly, allow me to introduce myself. My name is Muhammad Danieal Irfan Bin Osman, I'm from Politeknik Tuanku Sultanah Bahiyah, Kulim Kedah and also from commerce department course of diploma in accounting. First of all I would like thanks to my lecturers cause without them I'm nothing. I create this blog to share my journey and experience join this program ( international student exchange ) under SEA-TVET. Hope all of you enjoy every moments in this sharing.