Nama : Riyan Apriyani

NPM : 16210000017
Prodi : S1 Farmasi

Process of Borrowing Money at the Bank

Bank employee : "Good morning sir, please have a seat, can we help you?"
Customer : "Good morning ma'am. Yes thank you."
Customer : "Look, ma'am, I want to submit a proposal to borrow money for
Business my catfish.”
Bank employee : “Excuse me, can I see the proposal?”
Customer : "Here ma'am, please."
Bank employee : “Actually, your proposal is very good, there is no problem. Only
we from the bank could not fulfill the request for funds of 500
million.”
Customer : "So, how much is the bank able to provide, ma'am?"
Bank employee : "After I counted, we only agreed to 300 million, sir, with 4%
interest.”
Customer : "Can't add more ma'am? This business is actually very successful,
Order catfish to us from all over Indonesia.”
Customer : “We plan to use this fund to increase capacity production to meet the
demand for catfish.”
Bank employee : "Wait a minute sir, I'll recalculate first"
Bank employee : "Well, looks like we can give 350 million".
Customer : "Wow, can't it be increased, ma'am? How about 400 million?”
Bank employee : "Sorry sir, that's all we can afford."
Customer : "Yes ma'am, it's okay, I agree."

Note : What needs to be underlined regarding the negotiations is 'The submission of a

proposal that cannot match the one submitted is 500 million, the bank only gives 300 million
but the customer asks for additional and the bank gives 350 million'
 Buying and Selling Sandals

Buyer : "Mom, I want to buy this sandal number 40, how much is it?"
Seller : "That sandal costs 500 thousand, son."
Buyer : "The price can be less or not, ma'am?"
Seller : "Hmm, okay. How much do you want to bid?"
Buyer : "Just 400 thousand, ma'am, how?"
Seller : "Wow, that price can't feel like it, son."
Buyer : "What about 425 thousand?"
Seller : "Increase it a little, son, 450 thousand mothers take off these sandals."
Buyer : "Yes ma'am, I agree, here's the money"

Note: What needs to be underlined for negotiation in this conversation is regarding the price
offered by the seller to the buyer
 Borrowing Items
Mr. Amru : Hello, Assalamualaikum
Mrs. Piti : Waalaikumsalam. Yes, Am. What is it?
Mr. Amru : Here, Pit. This afternoon I want to go camping. Can I borrow equipment
your camping?
Mrs. Piti : Yes, of course you can. How long will it be borrowed?
Mr. Amru : Yes..about 1 week, Pit. How?
Mrs. Piti : Wow, if you can't do it for a week, Am. Maybe only 3 days.
Mr. Amru : Can't it be longer? How about 5 days?
Mrs. Piti : Maybe 4 days is enough, Am.
Mr. Amru : Alright, just 4 days. Okay?
Mrs. Piti : Okay, when did you pick up the equipment?
Mr. Amru : After this I will go to your house and take it.
Thanks, Pit. Assalamualaikum.
Mrs. Piti : you're welcome. Waalaikumsalam

Note: What needs to be underlined is the negotiation regarding the length of borrowing the
goods that will be used by Mr. Amru, finally Mr. Amru takes the camping equipment, with
the agreement that it will be returned after 4 days later.