Praise for the blessings and grace of Almighty God, who provided health and opportunities to the writer so that he can complete practical work activities and completed practical work reports that the writers do at PT Pegadaian UPC Pasar Pagi Arengka, Panam Branch, Kota Pekanbaru on time , namely from 07 March 2022 to 30 June 2022. The author realizes that the implementation of the Work Training Activities and the writing of this apprenticeship report cannot be completed without support and assistance from various parties. Wan Junita Raflah, B.Sc., M.Ec.Dev Si as the Head of International Business Administration Study Program.
Risye Dorina Putri and Ms. Mutia Barlian as manager and cashier UPC Pasar Pagi Arengka who already gave the writer guidance and much experience during apprenticeship. Friends of the State Polytechnic of Bengkalis, especially the International Business Administration Study Program, thank you for your support and cooperation in completing this internship report. The author realizes that the preparation of this internship report is still far from perfect, both in terms of preparation, language use and writing.
INTRODUCTION
Background of the Apprenticeship
Purposes Apprenticeship
Significances of the Apprenticeship
Students have the opportunity to be able to analyze problems related to applied science at work in accordance with their study program. The Bengal State Polytechnic receives feedback from the organization on the ability of the students doing the internship, reporting to work in the world of work. Bengal State Polytechnic receives feedback from the world of work on curriculum development and learning processes.
GENERAL DESCRIPTON OF THE COMPANY
Company History
- PT. Pegadaian Logo
131 April 1, 1901 the first pawn shop was established in Sukabumi (West Java), at the same time this was the beginning of the establishment of a pawn shop in Indonesia, as well as the anniversary of the pawn shop. The Pegadaian Bureau is called "Sitji Eigeikyuku" in Japanese, the Chief of the Pegadaian Bureau is held by a Japanese named Ohno-San, and his representative is an indigenous person named M. During the operation of the pawn shop, it underwent several status changes. , namely on January 1, 1961 the form of the legal entity changed from "JAWATAN".
73 of 2021 dated July 2 regarding the addition of the Republic of Indonesia state capital shares in the share capital of the company (Persero) PT BRI Tbk, and amendments to PT Pegadaian's articles of association as stated in the decision document The shareholders of the limited company PT Pegadaian Number 15 dated September 23, 2021, which has been approved by the Minister of Law and Human Rights based on letter number AHU-0053287.AH.01.02 of 2021 dated September 29, where. Previously, PT Pegadaian's shares were 100% owned by the state, and now PT Pegadaian is no longer a state-owned enterprise (BUMN), but is a subsidiary of Bank BRI with 99.99% share ownership. Established around 2010, each appraiser and cashier will be replaced every two years, 3 years ago the manager of the morning market arengka led by Afrizal A.Md in 2017, Sri Rahayu Susanti S.Sy, Ratna Novera A.Md in 2019, and now led by Risye Dorina Putri.
Vision and Mission of PT. Pegadaian UPC Pasar Pagi Arengka
- Vision of PT. Pegadaian UPC Pasar Pagi Arengka
- Mission of PT. Pegadain UPC Pasar Pagi Arengka
The first circle, or the one on the far left, describes the function of Pegadaian which serves for pawn and fiduciary financing with products such as Pawn KCA, Kreasi, Krasida, Gadai Syariah, Krisna, Amanah and Arum. The second circle or middle section features a pawn shop serving the gold business with precious metal products and G-Lab.
Kind of Business
Structure of the Organizational Structure of PT. Pegadaian UPC
Implement and coordinate the management of the loan quality of pledged products to reduce the credit risk and optimize the company's revenue. Managing the implementation of the Performance Management System (PMS) starting from goal setting (goal setting), cascading goals, performance review, coaching, mentoring and performance appraisal in the work units under his coordination. Management of the implementation of the company's ethical standards (code of conduct), work culture and change management in the work units under its coordination.
Perform the function of the mortgage initiative according to the limit of its authority;. Perform other approval functions in accordance with the authority limits and applicable regulations to support the smooth operation of the UPC. Submission of working capital requirements in connection with smooth operation of the work unit.
The Working Process
As a starting point, the loan amount that can be granted according to the applicable regulations, divided into groups A, B, C and D is 89% of the estimated value. Repayment of the loan together with capital leasing can be done directly at the cashier by presenting a mortgage certificate and making a payment of a certain amount. Regular Gold Pawn (KCA Regular) with a capital leasing system per 15 days calculated from the value of the loan money with a maximum credit period of 4 months or 120 days, with a capital lease of 1% - 1.2%.
Pawn Non Gold Ordinary capital rent 1% - 1.2% per 15 days calculated from the value of the loan money, maximum period of 120 days. Flexy's Daily Non-Gold Pawn for 15, 30 and 60 days with a capital lease calculated daily from the value of the loan money with a rent of 0.09%. Guaranteed items worth the difference from the value of the rphani wisuta package with the down payment.
Document Used for activity
26 The requirement to fulfill a pawn shop for savings gold is if the form the pawn shop provides to customers who wish to pledge their gold savings through this type of transaction is gold sales, transfers and gold printing. The cashier helps directly with the filling, after which the customer can proceed to the next level. The form, which is used to pay out the funds of the pledged loan in its own name, is transferred directly to the customer's account by the pawnshop.
27 Demand to meet gold ownership financing is a form given by pawn shops to customers who want to invest for the future by owning gold bullion with installment financing. The completion is assisted directly by the assessor, then the client can proceed to the next stage. Booklet containing information on BPKB Guaranteed Multi-Purpose Creation Financing for Motorcycles or Cars for Business Needs for both Employees and Non-Employees (Owning a Business), and Gold Savings.
SCOPE OF THE APPRENTICESHIP
Job Description
Place of Apprenticeship
Systems and Procedures
After the customer makes a transaction, the writer is asked to duplicate the customer's transaction document so that it can be proof both for the customer and for the Pegadaian himself. Serve customers at outlets and on mobiles on customer plans for pledge, repayment, renewal, installments and MPO payments. Receive calls from customers via cell phones provided by the office, serve customers at outlets by communicating directly with customers, what can be helped and what is the customer's plan, do you want to pledge, leave, renew, pay installments, and save and serve customers by phone with cell phone information about redemption plans, renewals and due dates.
After the customer has completed the pledge transaction and received the pledge letter, the writer must separate the mortgage letter in duplicate and duplicate as proof to the pawn shop that the customer has pledged the goods. Similar to Repayment When the customer pays off the loan or repays the loan and capital lease (interest) directly to the cashier, together with proof of the signed pledge, which then becomes proof that payment for the goods has been made and the pledged goods have been returned to the customer. BJDPL, where there is evidence of an expired pledge that needs to be replaced with a new pledge if you want to renew it.
50, the customer must make a loss report, which will be reported to the police station authorities, after sending a certificate from the police station, the customer receives a new SBG from Pegadaian. Ukel where the customer's SBG whose mortgages have been auctioned off and there is still excess money from the auction and the letter is returned to the officer. Filing letters where the treasurer prints letters such as (outgoing letters, assignment letters, PTE, Mulia, Krasida) writers are asked to file according to the type of letter made.
After the cashier prints the transaction summary at the end of the day, the clerk must complete the OPR in the cash details book to record the detailed amount of cash that comes in during the day. The author delivers the pledged goods in the form of a vehicle from the pawn shop's BPO to Regional Office II at Jalan Tuanku Tambusai no. If there are too many customers, the author must become a shadow cashier to help the main cashier to manually process the customer's transactions (counting and receiving the customer's transaction money and refund if there is customer change).
Obstacles and Solutions
- Obstacles
- Solutions
Learn about File Filing (SBG Dwililipat Gadai, Refund, BJDPL, Disappearance, Ukel, Mulia, Crasida, PTE, Cash Book, Bank Book, Transfer Reward, Outgoing Mail, Auction Letter) 3.
CONCLUSIONS AND SUGGESTIONS
Conclusions
Practical work is a learning process, because we know firsthand the scope of the real world of work. Through practical work, students have the opportunity to apply theoretical knowledge/concepts in the real world of work. PT Pegadaian is no longer a state-owned enterprise (BUMN), but a subsidiary of BRI Bank with 99.99% share ownership.
PT Pegadaian which is involved in three business lines of the company, namely financing, gold and various services. Pegadaian UPC Pasar Pagi Arengka duplicate documents, serve customers both directly and by phone, archive letters (SBG Dwilipat, Refund, BJDPL, Disappear, UKEL, Mulia, Krasida, PTE, Handover, Outgoing, Cash Books, Books Banks) fill in OPR, deliver pawn goods at the storage area with the BPO off, and become a shadow cashier by manually receiving and paying customer transactions. Pegadaian Pasar Pagi Arengka is the first that the room is narrow so that the arrangement of hardware such as pass book printers and receipt printers are in the same place, so it is a little difficult to do work freely at one time.
So the solution in the future, the provision of adequate space with office space for easier work. Other There is no money counting machine so it hinders the work of the clerks in making transactions. Therefore, employees must teach practitioners about passion so that there are no long queues when the cashier does not come to work.
Suggestions
Aprenticeship Accepptance Letter
List of Attendance
Certificate of internship
Company Appraisal Sheet
Apprenticeship Certificate
Daily Activities of The Job Training
