CHAPTER III SCOPE OF THE APPRENTICESHIP
3.3 Systems and Procedures
The systems and procedures that the writers used while working at PT.
Pegadaian UPS Simpang Rumbai Branches is as following:
1. Serves Customers Pawning of Gold
In this section the author helps serve consumers pawning gold can be seen the steps in figure 3.1 below:
Figure 3.1 Flowchart of Serves Customers Pawning of Gold Source: Processed Data, 2022
Based on the flow chart above, the author helps or asks the customer to fill out the Rahn Pegadaian Application Form, then the author receives the
Customers fills out Form of Rahn Pegadaian Aplication
Receive form, collateral and ID Card
Checking the grade and weight of the gold
Photocopy of the ID Card
Print of SBR
Disbursement of funds
49 form, collateral, and ID card, after that the author gives the collateral to the appraiser to check the grade and weight of gold, after that the author copies the customer's ID card, then the appraiser prints the SBR signed between the estimator and the customer, after that the estimator gives the SBR to the cashier for disbursement of funds, and the author gives the funds to the customer.
2. Serves customers Pawning of BPKB
In this section the author helps serve consumers pawning BPKB can be seen the steps in figure 3.2 below:
Figure 3.2 Flowchart of Serves Customers Pawning of BPKB Source: Processed Data, 2022
Customer provides collateral and required
documents for BPKB pawn
Author receives collateral and required documents
to be photocopied
Customer fills in BPKB Arrum form Documents are given
to the analyst team Prepares
statement letter
Attaches stamp duty on the statement letter
Disburses funds
50 Based on the flowchart above, the customer comes to the pawnshop with collateral and required documents, then the author receives the collateral and the required documents to be duplicated, than the author gives the BPKB arrum form to the customer to fill out, after the document is ready to be given to the analyst team for a business and vehicle survey, then the author prepare a statement letter that needs to be signed by the customer on a stamp duty of Rp. 10,000,-, then the author attaches stamp duty on the sheets, after that given statement letter to the cashier for disbursement of customer funds.
3. Receiving calls
In this section the author receiving customers calls can be seen the steps in figure 3.3 below:
Figure 3.3 Flowchart of Receiving Calls Source: Processsed Data, 2022
Receive customers call with phone corporate
Greeting and introduce my self or the company
Ask the customer the necessary information Records the customer’s
contact number
Provide the information customers needs
Greetings at the end call
51 Based on flowchart above, the author receives a call from a customer by greeting, introducing himself or on behalf of the company, asking what is needed, the author records the customer's contract number that needs to be checked for redemption of goods or extensions, then the author provides the necessary information by the customer.
4. Calling customers
In this section the author calling customers to remind collateral iterms to be included in the auction list can be seen the steps in figure 3.4 below:
Figure 3.4 Flowchart of Calling Customers Source: Processed Data, 2022
Based on the flowchart 3.4 above, the author calls the customer by greeting, asks the customer's identity, then introduces himself or on behalf of the company, then the author provides information to the customer about the loan that has been included in the auction list or is due and ask to be paid or extended immediately, otherwise the goods will be auctioned.
5. Receive payment
In this section the author receive payments from customer namely, voucher grab, water payment, electricity bills, BPJS, loan extension, repayment, pulse, can be seen the steps in figure 3.5 below:
Call customer by
greeting Asks the customer’s identitty
Introduce my self or the company
Provide information to the customer about the loan included auction
list or is due
52
Figure 3.5 Flowchart of Receive Payment Source: Processed Data, 2022
Based on the flowchart 3.5 above, the author serves the customer by asking what kind of payment transaction, the author receives a letter or electricity account, then gives it to the cashier to check, if it fits the transaction receipt will be printed, the author receives a sum of money that must be paid by the customer, then the author asks for a signature the customer on the transaction receipt, the author gives the customer change and the transaction receipt.
6. Receive a list of Barang Jaminan Dalam Proses Lelang (BJDPL)
In this section the author receive a list of BJDPL can be seen the steps in figure 3.6 below:
Figure 3.6 Flowchart Receive a list of BJDPL Source: Processed Data, 2022
Receives a letter or electricity
account
Check on cashier Print transaction receipt
Receive money from customer Ask signature in
transaction receipt Gives the money
change and transaction
receipt
Receive paper auction list customers
Look the SBR of dwilipat in filing cabinet
Match the contract number of SBR dwilipat with the transaction receipt
Bundled in the auction sale
53 Based on the flowchart 3.6 above, the author receives a paper auction list from the cashier or estimator who will conduct an auction of collateral goods that are past due, then the author looks for the Surat Bukti Rahn (SBR) of dwilipat of customer's whose goods are included in the auction list in the filing cabinet, after The SBR of Dwilipat is matched with the transaction receipt for the sale of auction goods based on the contract number, then bundled in the auction sale.
7. Recording the money details book
In this section the author recording the money details book can be seen the steps in figure 3.7 below:
Figure 3.7 Flowchart of recording the money details book Source: Processed Data, 2022
Based on the flowchart above, The author records the cash detail book in the form of the remaining cashier's cash balance, after closing the cashier the author receives the denomination report sheet from the cashier, the author records the remaining amount of money in the money details book, after completing the recording the denomination report sheet is returned to the cashier.
8. Recording the use SBR of dwilipat
In this section the author recording the use SBR of dwilipat can be seen the steps in figure 3.8 below:
Receive the denomination report sheet
Records in the money details book
Returned the denomination report sheet
54
Figure 3.8 Flowchart of Recording the Use SBR of Dwilipat Souce: Processed Data, 2022
Based on the flowchart 3.8 above, the author receives a SBR of dwilipat from the estimator, then the author sorts the letter numbers from the smallest to the largest, then the author records the number of letters used per day, the author adds up the letters used, lost, damaged and writes them down in the usage book The SBR of dwilipat, then the author bundles into the SBR of dwilipat.
9. Gluing settlement report
In this section the author gluing settlement report can be seen the steps in figure 3.9 below:
Receive the SBR of dwilipat
Sorts the letter numbers
Records the numbers of letters
55
Figure 3.9 Flowchart of Gluing Settlement Report Source: Processed Data, 2022
Based on the flowchart above, The author pastes the settlement report on the checking account sheet, first the author prints the settlement report on the EDC (Electronic Data Capture) machine, then the author receives a checking account sheet from the cashier, the author copies the settlement report on the back of the checking account, the author attaches the settlement report on the front checking account sheet, and the author submits the checking account sheet to the cashier.
10. Packing pawn goods
In this section the author packing pawn goods can be seen the steps in figure 3.10 below:
Prints the settlement report on the EDC Machine
Receive a checking account
Photocopy the settlement report Atttches settlement report
56
Figure 3.10 Flowchart of Packing Pawn Goods Source: Processed Data, 2022
Based on the flowchart 3.10 above, the author receives the collateral from the estimator who has been estimated, then the author puts it into the BJ (Barang Jaminan) bag, after that the estimator gives the identity of the customer in the BJ bag, then the author packs the collateral and gives it to the estimator to archive or save in the vault.