Ch 3 : Level up!

College life in the early year is not really hard, just some introduction and theory here and there. So it's not really a challenge for Raihan, only if Raihan really focused on it.

These days Raihan's mind occupied about how to leveled up faster and wondered how it feels when his system gave 100% or even 200% cashback. That means he's not taking any money out. He can got money just from buying something!

But reality hit hard when a sudden test come out. Because he kept losing his focus when studied, his score out of his expectation. This thing actually cleared his mind to not overstep his stance. He after all just a student. Before he had a system, he tried to become good enough to graduate and find a good job. System is after all something that he got along the way and it's not a guarantee it will stayed with him forever.

With this reminder, he realize that if that thought is continued later in the future, he will become system's slave, and what if someday the system is gone? He can't imagine how bad it will be.

Raihan fold his test sheet and place it in the deepest place in his desk.

He still has some money left and decided to bought some snack before finished his assignment for tomorrow.

***

A week later Raihan finally finished spent 500K and leveled up and get 100% money back. But the difficulty is also higher. He needs to spent 50 million rupiah before he can get to level 4.

Actually in those week Raihan tried to stay low key, he spent all of his money for something that he really needed or something that useful for him. He wasn't actively tried to level up his system. So when the system ringing in his head, he was really surprised.

From this day onward, his money won't decrease at all!

After class, Raihan reject his friend's offer to play some games and went to cafe tried to make some plans for his future.

Raihan think all of the option he had right now. Because he need to spend 50 million to level up. The most possible option is to take a loan, student loan. Because right now he only got 50K from his parents for a day and he spend all of it including the money that back to him from the system..

Loan is the answer he got. Even if he took a loan, he can pay it back on the same day. So right now he was looking for mobile application for loaning, these day loaning is easy to get. You just need to upload selfie with your ID card, student card, and bank account.

Raihan tried all available loan application with a good review and submit his loan. Some of it needed to wait for at least a week or two to process, and some of it actually can be transferred to his account today. The amount that he ask is the lower limit, because it might be increase the chance to get accepted, the lower limit of almost every loan that he tried was 1 million.

Now he just need to wait until it get accepted. If by any chance every single one of them is rejected. He will find the other way when the time comes.

***

A week passed by

Raihan focused on studying, Even thought now he has a system. that doesn't mean he can't just lazily abandon his pursuit of knowledge

This was a gift from his parents, a trust that was given to him. He won't betray their trust.

But, he also take some time to raised his system experience. This time is crucial, AT least he knew that system won't leave in the first stage of his life. So he need to exploit it to the max.

After playing some dota game with his friend. He finally got some response from the loan. It was unexpectedly took a week.

"Finally"

He found that the loan that he submitted was accepted. It was the one million IDR loan. There is still no news for the rest of the loan. But he pretty happy with it.

"Now, the first step is over, next step I need to buy some stock with it"

Yes, stock. That was the first thing that popped out from is mind, when he thought how to increase his money. His plan was take some loan, buy a stock with all the money. After that he will get all the money back from the cashback system and still have the stock.

If the stock was profitable, he can get double the money with some pocket change.

But first he need to find broker. Cause he's not really knowledgeable about stock market at all.

Next day, Raihan only had one session in the morning, so after lunch he took some time to browse through the nearest broker agent. After he found it, he said farewell to his friend and took a taxi.

In front of the two stories building, he found himself pretty nervous. It's normal because never in his wildest dream he will come to this kind of place.

After he open the door, he found a good looking clerk that focused on looking at the monitor. Not long after that, the clerk finally noticed me and gave her best smile.

"Hello, good afternoon. Can I help you sir?"

"Um, I want to find brokerage service." said Raihan nervously.

"Do you have appointment with one of them?"

"No."

"Then it's probably your first time here right sir? Then please write your name here and wait a few minute, I'll find some available broker. You can sit over there sir and feel free to take some candy and drink."

"Thank you."

Wow, He never knew that this place was amazing. The service was good and the atmosphere was also good. He didn't spot any people at all, But, in the internet, review said this place was good with some 5 star on it. So I'll believe it for now.

Five minutes later, She called me again and told me to went to second floor and find room number one.

The second floor is full packed with room and corridor. After I knocked on room number one, I opened the door and found a middle age uncle that busied himself looking at his laptop.

"Come in, please feel free to sit" Said the man without looking at him.

"Okay."

Inside the room, is pretty simple looking room with brown looking floor and simple furniture in every corner of the room. In the middle of it, black table and on top of it was wide monitor that almost covered his head. Everything is looked so organized. I feel the aura of calm and neat from this person.

"Mr. Raihan right?"

"Yes."

"Don't be too tense, you can relax your shoulder, I was actually still has some job but it'll probably finished this night and no one is available right now. So I might as well take your job. I assume you're a student right? college student?"

"Yes, that's right."

"So tell me about your needs. Mr, Raihan"

"I have some spare money left, and I think it's probably enough to buy some stocks. But I don't know much about this industry. That's when I found your company here where we can buy broker service."

"Good, at least you're not those young people now days that blindly go to stock market and buy some stocks. I knew some of them that get profit. But most of them actually losing money. Now I know your purpose here. Let's talk about your budget and what kind of investment you want to make."

"I will do mostly stock market, for now I have a budget of one million, but later on I will try to increase the budget when I have more."

"Do you need it for short term or long term?"

"For now, I want to take short term if possible."

"Now let's get to the next topic."

The conversation took over 30 minutes before it's finished. They talked about what kind of stocks, range, administration, tax, commission, and many other thing.

After that they finalized their deal. Raihan transfer the money for everything in one go. The good thing is. No matter how much he buy things. his money won't decrease at all.

Now, the second step is done. He needed to think how to keep moving forward from now on.