apprenticeship report pt. pegadaian ups simpang rumbai branches

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APPRENTICESHIP REPORT

PT. PEGADAIAN UPS SIMPANG RUMBAI BRANCHES

ELVI NOVIANDA 5404181171

INTERNATIONAL BUSINESS ADMINISTRATION STUDY PROGRAM

BUSINESS ADMINISTRATION DEPARTMENT STATE POLYTECHNIC OF BENGKALIS

BENGKALIS – RIAU 2022

VALIDATIO

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ACKNOWLEDGMENT

Assalamualaikum Wr. Wb. Peace be upon you, and Allah mercy and blessings Praise for the blessings and grace of Almighty God, who has provided health and opportunities to the author Thus he can complete Apprenticeship activities and have completed Apprenticeship reports that the authors do at PT. Pegadaian UPS Simpang Rumbai branches on time, namely from March 02^nd 2022 untill June 30^th 2022.

The authors also express their gratitude to all employees of PT. Pegadaian UPS Simpang Rumbai Branches who are very kind, friendly and accept the writers to join and have an opportunity to become one of the family members of PT.

Pegadaian UPS Simpang Rumbai Branches.

In compiling this Apprenticeship report, the author realizes that without the guidance from various parties this Apprenticeship report cannot be completed in a specific time, so the authors want to thank all those who have been involved and assisted the author. Related parties include:

1. Mr. Johny Custer, ST., MT as the Director of State Polytechnic of Bengkalis.

2. Mr. Armada, ST., MT as Deputy Director I of State Polytechnic of Bengkalis.

3. Ms. Supriati, S.ST., M.Si as the Head of the Department of Business Administration.

4. Ms. Wan Junita Raflah, B.Sc.,M.Ec.Dev as the Head of International Business Administration Study Program.

5. Mr. Hutomo Atman Maulana, S.Pd., M.Si as the former Head of International Business Administration Study Program.

6. Mr. M. Alkadri Perdana, B.IT., M.Sc as the advisor of this Apprenticeship report and as the coordinator of Apprenticeship of International Business Administration Study Program.

7. Ms. Tumiyem as Vice President of Pegadaian for Pekanbaru Area.

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8. Ms. Siti Aisyah, SE as the head of PT Pegadaian Ahmad Yani Branches.

9. Ms. Vivi Notalia as the head of PT Pegadaian Pasar Kodim Branches.

10. Ms. Neni Ernawilda as the manager of PT Pegadaian UPS Simpang Rumbai Branches and as supervisor for Apprenticeship activities.

11. Ms. Fitra Harsanty Ega Putri as the cashier of PT Pegadaian UPS Simpang Rumbai Branches of helped author for Apprenticeship activities.

12. All employee of PT. Pegadaian Syariah and PT. Pegadaian Konvesional that already give the author guidance and lot of experience while did the Apprenticeship.

9. Especially for my father Ahmad Suhaidi and my mother Sulikah beloved who have provided a lot of support for prayer, time, energy and material to help and provide convenience during the lecture process and hopefully all of them will get a reward that is appropriate with Allah SWT.

10. Friends in arms of State Polytechnic of Bengkalis, especially the International Business Administration Study Program, thank you for your support and cooperation when completing this thesis assignment.

The author realizes that in the preparation of this Apprenticeship report, it is still far from perfect, both in terms of preparation, language, and writing.

Therefore, the authors really expect constructive criticism and suggestions to become a reference for writers in the future. Hopefully this Apprenticeship report is useful for the writer and the reader.

Wassalamu'alaikum Wr. Wb

Bengkalis, 2022

Elvi Novianda NIM. 5404181171

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LIST OF FIGURES

Figure 2.1 Logo of PT. Pegadaian Syariah ... 8

Figure 2.2 Organizational Structure of PT. Pegadaian UPS Simpang Rumbai Branches ... 11

Figure 2.3 Business Process of PT Pegadaian UPS Simpang Rumbai Branches 14 Figure 2.4 Form of Aplikasi Pegadaian Rahn ... 15

Figure 2.5 Surat Bukti Rahn (SBR) ... 15

Figure 2.6 Form of New Data Nasabah or Update Data ... 16

Figure 2.7 Form of Account Opening Tabungan Emas Pegadaian (TEP) ... 17

Figure 2.8 Form of Pegadaian Arrum Mikro/BPKB ... 18

Figure 2.9 Form of Permintaan Transfer for Credit Disbursement ... 19

Figure 2.10 Application Form for Mu'nah Special Rates ... 20

Figure 3.1 Flowchart of Serves Customers Pawning of Gold ... 48

Figure 3.2 Flowchart of Serves Customers Pawning of BPKB ... 49

Figure 3.3 Flowchart of Receiving Calls ... 50

Figure 3.4 Flowchart of Calling Customers ... 51

Figure 3.5 Flowchart of Receive Payment ... 51

Figure 3.6 Flowchart Receive a list of BJDPL ... 52

Figure 3.7 Flowchart of recording the money details book ... 53

Figure 3.8 Flowchart of Recording the Use SBR of Dwilipat ... 54

Figure 3.9 Flowchart of Gluing Settlement Report ... 55

Figure 3.10 Flowchart of Packing Pawn Goods ... 56

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LIST OF TABLES

Table 3.1 Daily Activities of March 02nd, 2021 to March 05th, 2022 ... 21

Table 3.2 Daily Activities of Maret 07th, 2022 to Maret 12th, 2022 ... 22

Table 3.3 Daily Activities of February 14th, 2022 to February 19th, 2022 ... 23

Table 3.4 Daily Activities of Maret 21nd, 2022 to Maret 26th, 2022 ... 25

Table 3.5 Daily Activities of March 28st, 2021 to March 31th, 2022 ... 27

Table 3.6 Daily Activities of April 01th, 2022 to April 02th, 2022 ... 28

Table 3.7 Daily Activities of April 04th, 2022 to April 09th, 2022 ... 28

Table 3.8 Daily Activities of April 11nd, 2022 to April 16th, 2022 ... 30

Table 3.9 Daily Activities of April 18nd, 2022 to April 23th, 2022 ... 31

Table 3.10 Daily Activities of April 25st, 2022 to April 30rd, 2022 ... 33

Table 3.11 Daily Activities of Mei 02th, 2022 to April 07th, 2022 ... 35

Table 3.12 Daily Activities of Mei 09th, 2022 to Mei 14th, 2022 ... 35

Table 3.15 Daily Activities of Mei 30rd, 2022 to Mei 31th, 2022 ... 39

Table 3.16 Daily Activities of Juni 01st, 2022 to Juni 04th, 2022 ... 40

Table 3.17 Daily Activities of 06 Juni th, 2022 to Juni 11th, 2022 ... 41

Table 3.18 Daily Activities of Juni 13th, 2022 to Juni 18th, 2022 ... 43

Table 3.19 Daily Activities of Juni 20th, 2022 to Juni 25th, 2022 ... 45

Table 3.20 Daily Activities of June 27th, 2022 to June 30, 2022 ... 47

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LIST OF APPENDICES

Appendix 1 Apprenticeship Acceptance Letter ... 60

Appendix 2 Apprenticeship Statement Letter ... 63

Appendix 3 Apprenticeship Certificate ... 64

Appendix 4 List of Attendence ... 65

Appendix 5 Company Appraisal Sheet ... 68

Appendix 6 Packing Pawn Goods ... 69

Appendix 7 Photocopy of Files and Documents ... 70

Appendix 8 Calling Customers ... 71

Appendix 9 Couting and Arranging Coins... 73

Appendix 10 Record The Customer’s Contract Number ... 74

Appendix 11 Bundles of SBR ... 75

Appendix 12 Priority Card ... 76

Appendix 13 Bundles of Ultimate Sharia Noble Contract ... 77

Appendix 14 Bundles of Auction Sale ... 78

Appendix 15 Bundles of Golden Arrum Contract ... 78

Appendix 16 Bundles of Gold Saving and Gold Saving Rahn ... 79

Appendix 17 Bundles of New Customer Data ... 80

Appendix 18 Bundles of Handover Marhun ... 81

Appendix 19 Bundles of Special Rate Application ... 83

Appendix 20 Bundles of Bank Statement and Cashier Transactions ... 84

Appendix 21 Record The Use of SBR Dwilipat ... 84

Appendix 22 Record The Money Details Book ... 86

Appendix 23 Filing Cabinet ... 87

Appendix 24 Stick The Stamp on The Statement Letter... 88

Appendix 25 Daily Activities ... 89

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CHAPTER I INTRODUCTION

1.1 Background of the Apprenticeship

The Bengkalis Regency Government through the Gema Bahari Foundation established a university called the Bengkalis Shipping Polytechnic, which has 3 (three) study programs, namely: Ship Electrical Engineering, Ship Building Engineering and Ship Mechanical Engineering. Then, under the auspices of the Bangun Insani Foundation (YBI), the Bengkalis Marine Polytechnic changed its name to Bengkalis Polytechnic by adding 5 (five) study programs, namely:

Shipping Engineering, Mechanical Engineering, Electrical Engineering, Civil Engineering and Business Administration.

In July 2001, Bengkalis Polytechnic accepted the first batch of new students. Then in 2006, Bengkalis Polytechnic added 2 (two) new study programs, namely Business English and Informatics Engineering. Furthermore, on December 26, 2011, the Bengkalis Polytechnic officially became a State University (PTN) under the name State Polytechnic of Bengkalis through the Regulation of the Minister of National Education (Permendiknas) No. 28 of 2011 concerning the Establishment, Organization and Work Procedure of the State Polytechnic of Bengkalis and Culture of the Republic of Indonesia.

Then, from 2013 to 2016 the State Polytechnic of Bengkalis has added 9 (nine) new study programs, namely D4 Mechanical Production and Maintenance, D4 Electrical Engineering, D4 Road & Bridge Design Engineering, D3 Nautics, D3 Teknika, Management and Trading Ports, D4 Software Engineering, D4 International Business Administration and D4 Public Financial Accounting. And until 2021, the State Polytechnic of Bengkalis will again add 3 new study programs, namely D4 Marine Architecture Engineering Technology, D4 Information System Security, and D4 English. For Communication and Professionals. Thus, since 2000 until now the State Polytechnic of Bengkalis has 9 (nine) majors with 20 (twenty) study programs.

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2 State Polytechnic of Bengkalis is a vocational campus that educates its students to create a competent spirit in various fields. State Polytechnic of Bengkalis implements a Apprenticeship program that is required to be followed by all final semester students.

Apprenticeship or better known as Practice Work or also abbreviated as KP is a series of activities that include an understanding of scientific theories/concepts applied in work according to the field of study. Apprenticeship can increase students knowledge and skills and can solve scientific problems in accordance with the theories they get in college. Apprenticeship is carried out, thus students can understand and apply well about the field of study. In addition, thus students can know the profession and work atmosphere in accordance with their study program. Thus, Apprenticeship is a useful place for students to use as a tool to gain knowledge and work experience. Apprenticeship is also one of the requirements for obtaining an applied bachelor's degree.

In this program, specifically for International Business Administration students in semester 7 (seven) Apprenticeship activities are carried out for approximately 4 (four) months, by choosing their own place and location for Apprenticeship. However, before choosing a place to do this program, the Apprenticeship coordinator provides several options or options for Apprenticeship places to students. Then, from some of these options the author is interested in carrying out Apprenticeship in the sector financial services, namely Pegadaian at PT. Pegadaian UPS Simpang Rumbai Branches.

PT Pegadaian is a company owned by BUMN that is engaged in financial services. The first PT Pegadaian was established in Sukabumi, West Java on April 1, 1901. The legal entity form of PT Pegadaian changed from a limited liability company to a limited liability company on September 23, 2021 based on Government Regulation (PP) No. 73 of 2021. PT Pegadaian has two types, namely conventional and sharia, whose operational activities are spread throughout Indonesia.

Pegadaian Syariah was first established in Jakarta under the name Sharia Pawn Service Unit (ULGS) Dewi Sartika Branch in January 2003. Following the

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3 establishment of ULGS in Surabaya, Makassar, Semarang, and Yogyakarta in the same year until September 2003, 700 sharia outlets out of a total of 4,500 pawnshops, one of which is in Pegadaian Pekanbaru Area, Ahmad Yani Branch which has 5 Sharia Service Units (UPS), namely Dahlia UPS, Simpang Rumbai UPS, Harapan Raya UPS, Gobah UPS, and Paus Ujung UPS. The author does Apprenticeship in one of the units, namely UPS Simpang Rumbai which is located on Jalan Sekolah No. 19, Rumbai Pesisir District, Pekanbaru Regency, Riau Province.

1.2 Purpose of the Apprenticeship

The Apprenticeship activities of State Polytechnic of Bengkalis students, International Business Administration study program have the following objectives:

1. To describe job descriptions during Apprenticeship.

2. To know the place and time of Apprenticeship.

3. To explain Apprenticeshipplace systems and procedures.

4. To find out the obstacles and solutions during Apprenticeship.

1.3 Significances of the Apprenticeship

The Apprenticeship carried out is very beneficial for several parties such as students, companies and State Polytechnic of Bengkalis

1. For Students

There are several benefits from the implementation of Apprenticeship programs obtained by students, namely as follows:

a. Get a certificate from the company if you have completed the Apprenticeship program.

b. Get pocket money and transportation according to the agreement between the Apprenticeship participants and the company.

c. Students can develop work relationships and add experience to their resumes.

d. Students have the opportunity to apply theoretical or conceptual knowledge in the real world of work.

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4 e. Students gain practical experience in applying theoretical/conceptual

science according to their study program.

f. Students have the opportunity to be able to analyze problems related to science that are applied in work according to their study program.

2. For Companies

The benefits of implementing Apprenticeship programs are also obtained by companies/institutions that accept Apprenticeship students, such as:

a. The company will receive labor assistance from students who do Apprenticeship Thus the work becomes a little lighter and easier.

b. The company will be recognized by academics and the world of education.

3. For State Polytechnic of Bengkalis

There are several benefits from implementing the Apprenticeship program obtained by the State Polytechnic of Bengkalis, which are as follows:

a. There is good cooperation/relationship between the campus and the company where students do Apprenticeship.

b. State Polytechnic of Bengkalis can improve the quality of its graduates through student Apprenticeship experience.

c. State Polytechnic of Bengkalis will be better known in the industrial or corporate world.

d. State Polytechnic of Bengkalis receives feedback from organizations or companies on the ability of students who take part in Apprenticeship in the world of work.

e. State Polytechnic of Bengkalis receives feedback from the world of work for curriculum development and learning processes.

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CHAPTER II

GENERAL DESCRIPTION OF THE COMPANY

2.1 Company Profile

2.1.1 History of PT Pegadaian

The history of Pegadaian began when the Dutch colonial government (VOC) established Bank Van Leening, a financial institution that provides credit with a pawn system, this institution was first established in Batavia on August 20, 1746.

When the British took over Indonesian power from the Dutch (1811-1816) the government-owned Van Leening Bank was dissolved, and the public was given the freedom to set up pawnshops as long as they got a license from the local government (liecentie stelsel). However, this method has a bad impact, license holders carry out the practice of moneylenders or loan sharks which are felt to be less profitable for the ruling government (UK). Therefore, the liecentie stelsel method was changed to patch stelsel, namely the establishment of pawnshops given to the public who are able to pay high taxes to the government.

When the Dutch came back in power, the pattern or method of patch stelsel was maintained and had the same impact where the rights holders turned out to be a lot of fraud in running their business. Furthermore, the Dutch East Indies government implemented what was called "culture stelsel" where in the study of pawnshops, the suggestion put forward was that pawnshop activities should be handled by the government themselves in order to provide greater protection and benefits for the community.

Based on the results of this research, the Dutch East Indies government issued Staatsblad (Stbl) No. 131 dated March 12, 1901 which stipulates that the Pegadaian business is a monopoly of the Government and on April 1, 1901 the first State Pegadaian was established in Sukabumi (West Java), then every April 1 is commemorated as the birthday of Pegadaian.

During the Japanese occupation, the Pegadaian Bureau Head Office building located on Jalan Kramat Raya 162 was used as a place for prisoners of

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6 war and the Head Office for the Bureau of Pawnshops was moved to Jalan Kramat Raya 132. Not many changes occurred during the Japanese government, both in terms of policy and organizational structure Pawnshop Office. The Pegadaian Bureau in Japanese is called Sitjieigeikyuku, the Head of the Pegadaian Bureau is held by a Japanese named Ohno-San with an indigenous person named M.

Saubari as his representative.

In the early days of the government of the Republic of Indonesia, the Office of the Pegadaian Bureau had moved to Karang Anyar (Kebumen) due to the increasingly heated war situation. The second Dutch military aggression forced the Pegadaian Office to be moved again to Magelang. Furthermore, after the war of independence the Pegadaian Office returned to Jakarta and Pegadaian was again managed by the Government of the Republic of Indonesia. During this period, Pegadaian has changed its status several times, namely as a Bureau of Business, changed to a State Company (PN) since January 1, 1961 based on Government Regulation in Lieu of Law (Perpu) No. 19 of 1960 Jo Government Regulation (PP) No. 178 of 1961, then based on Government Regulation (PP) No.

7 of 1969 became a Service Company (PERJAN), then based on PP. No. 10/1990 (which was updated with PP. No. 103/2000) it changed again to a Public Company (PERUM).

On April 1, 2012, the pawnshop changed back from (PERUM) to (PERSERO) based on PP no. 51 of 2011, and finally on September 23, 2021 Pegadaian changed back from (PERSERO) to (Limited Company) based on PP No. 73 of 2021, currently Pegadaian is a subsidiary of Bank Rakyat Indonesia which is engaged in three business lines, namely financing, gold, and various services. Since July 2, 2021, the Indonesian government has officially handed over the majority of the pawnshop shares to Bank Rakyat Indonesia through Government Regulation No. 73 of 2021, as part of the formation of a BUMN holding engaged in the ultra micro sector.

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7 2.1.2 History of PT Pegadaian Syariah

Pegadaian Syariah are financial institutions that have the main activity in the form of pawning with sharia-compliant principles. Pegadaian Syariah is a relatively new institution in Indonesia. The concept of sharia pawnshop operations refers to a modern administrative system, namely the principles of rationality, efficiency and effectiveness that are aligned with Islamic values. Pegadaian Syariah was first established in Jakarta under the name Sharia Pawn Service Unit (ULGS) Dewi Sartika branch in January 2003. This was followed by the establishment of ULGS in Surabaya, Makassar, Semarang, Surakarta and Yogyakarta in the same year until September 2003. Still in the same year also 4 Pegadaian branch offices in Aceh were converted into Sharia Pawnshops.

Pegadaian Syariah currently has been formed as its own institution under the auspices of PT. Pegadaian and fully managed by PT. Pegadaian. It is expected that sharia pawnshops at Sharia Pawnshops can improve performance, facilitate operations and develop their businesses Thus they can increase every year both in terms of the number of customers for financing 51 and other products offered, the number of sharia branch offices and the number of sharia pawnshop units in Indonesia.

Pegadaian Syariah are financial institutions that have the main activity in the form of pawning with sharia-compliant principles. Sharia principles in sharia pawnshops are based on the DSN MUI Fatwa No. 25/DSN-MUI/III/2002 dated June 26, 2002 that loans by pledging goods as collateral for rahn debts are allowed.

Pegadaian Syariah in carrying out its operations adheres to sharia principles.

Basically, sharia based products have characteristics, such as not collecting interest in various forms because of usury, setting money as a medium of exchange rather than as a traded commodity, and doing business to obtain compensation for services or profit sharing.

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8 2.1.3 PT. Pegadaian Syariah Logo

Figure 2.1 Logo of PT. Pegadaian Syariah Source: Processed Data, 2021

The Pegadaian logo displays symbols of three intersecting circles which symbolize the journey of Pegadaian as a company from its history of existence, development to transformation into a financial solution that adheres to the corporate culture, namely AKHLAK (Amanah, Kompeten, Harmonis, Loyal, Adaptif and Kolaboratif). The symbols of three intersecting circles represent the three main services at Pegadaian such as Pawn and Micro Financing, Gold, and Various Pegadaian Services with the logo philosophy as follows:

1. Green color: Symbolizes shade, grows to help and protect the community 2. Figure Scales: Symbolizes justice and honesty

3. Letter Shape: Symbolizing to foster the impression of being humble, sincere and friendly in serving

2.1.4 Vision and Mission

Every company must have a vision and mission in order to realize its goals and as a driving force to carry out their respective programs, as well as PT Pegadaian UPS Simpang Rumbai Branches. The following is the vision and mission of PT Pegadaian UPS Simpang Rumbai Branches:

1. Vision

To become The Most Valuable Financial Company in Indonesia and as the community's first choice financial inclusion agent.

2. Mission

Mission is a statement of what the company must do. In an effort to realize

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9 the vision and mission are also defined as the goals and reasons why the company was created. The following is the mission of PT Pegadaian UPS Simpang Rumbai Branches:

a. Providing optimal benefits and benefits for all stakeholders by developing the core business

b. Expanding the reach of MSME services through Ultra Micro synergies to improve the value proposition to customers and stakeholders

c. Providing service excellence with a customer focus through:

a. Simpler and digital business processes

b. Reliable and up-to-date information technology c. Strong risk management practices

d. Professional HR with good performance culture 2.2 Kind of Business

Business is an activity carried out by individuals or organizations that involve production, sales, purchase, or exchange of goods/services, with the aim of making a profit or profit. The word "business" can be used depending on the group. There are 3 (Three) ways to use the word business, namely:

1. Business Entity, which is a technical, juridical, and economic unit for profit.

2. Certain Market Sectors, such as the capital market.

3. All activities in the community of producers or producers of goods or services.

Business has many types, such as Agriculture Business, Raw Materials Production Business, Manufacturing Business, Construction Business, Transportation Business, Communication Business, Service Business, Big/Small Trading Business, and Financial Business. In Apprenticeship activities carried out the type of business of PT Pegadaian Syariah is Financial Business. Financial Business is a business in the financial sector that helps the community in terms of capital credit, insurance, planning and property ownership loans.

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10 Activities PT Pegadaian is a company that runs its business based on the principles stipulated by law and aims to meet the needs of financial services. In its implementation, PT Pegadaian provides products and services in conventional and sharia systems that can be selected and utilized by customers. The following products are provided by PT Pegadain, namely:

1. KCA (Kredit Cepat Aman) or Rahn; Loans with a pawn legal system are given to all customer groups for both consumptive and productive needs, with a credit term of 4 months and an interest system per 15 days and per 10 days.

2. KCA Prima; a Fast and Secure Credit feature which is the right solution to get a loan with 0% interest and a tenor of up to 60 days and can be extended.

3. Krasida; loans with monthly installments, intended for both consumptive and productive needs with collateral in the form of gold.

4. Kreasi (Kredit Angsuran Fidusia); a loan aimed at small and medium enterprises (SMEs) for business development.

5. Kreasi fleksi; collateralized loans specifically for farmer and non-farmer customers.

6. Kreasi Ultra Mikro; provide credit services with loan money of Rp.

10,000,000 and below with collateral in the form of BPKB for motor vehicles.

7. Kreasi Multi Guna; provide credit services with a loan of Rp. 100,000,000 with a BPKB guarantee for motorized vehicles for consumptive purposes.

8. Emas Mulia Personal; gold bar investment financing services in individual installments.

9. Mulia Collective; gold bullion investment service in installments for the community.

10. Gold Savings or Rahn Gold Savings; a gold balance depository service that makes it easier for people to invest in gold.

11. Rahn; Arrum Haji, Arrum Emas, Rahn Hasan, Rahn Flexi, and Rahn Bisnis.

12. Non Rahn (Micro); Amanah, Arrum BPKB, and Rahn Tasjily Tanah.

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11 13. Remittance pawnshop; services for sending and receiving money from within and outside the country in collaboration with several International Remittance Companies.

14. Multi-Payment Online; payment services for various monthly bills, purchase of credit, purchase of tickets, payment of finance, payment of BPJS premiums, and others.

2.3 Organization Structure

The organizational structure of PT Pegadaian UPS Simpang Rumbai Branches is a type of functional organizational structure, namely the organizational structure based on the function of each component. PT Pegadaian UPS Simpang Rumbai Branches has 1 branch manager located at the Ahmad Yani branch. The function is to plan, coordinate, organize, and control the operational, administrative and financial activities of the branch office. For more details, see Figure 2.2 which shows the organizational structure of PT Pegadaian UPS Simpang Rumbai:

Figure 2.2 Organizational Structure of PT. Pegadaian UPS Simpang Rumbai Branches Source: Processed Data, 2022

Each of the job position in organizational structure has its own responsibility and duty to reach the goals of its organization. These are the description of each position:

1. The Manager of Unit Pelayanan Syariah (UPS)

UPS Manager is a representative under the auspices of the branch office to fulfill pawn operations and other services offered, the UPS manager is responsible to the Branch Office.

The Manager of UPS Simpang Rumbai Branches

Estimator Cashier Security Office Boy

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12 2. Estimator

The Appraiser has the main task of estimating the collateral to determine the quality and value of the goods in accordance with applicable regulations in order to realize a reasonable determination of loan money and the good image of the company. The following are the details of the estimator's duties, namely:

a. Assess all the items that will be used as collateral by customers in taking credit.

b. Determine the loan money to be given with the existing conditions.

c. Fill in the proof of rahn (SBR)

d. Determine the installment of the cost of storing goods (marhun).

3. Cashier

The cashier has the main task of carrying out the duties of receiving and paying in accordance with applicable regulations for the smooth implementation of branch office operations. The following are the details of the cashier's duties, namely:

a. Prepare work equipment and supplies

b. Receive daily working capital from superiors in accordance with applicable regulations

c. Prepare small money for smooth execution of tasks.

d. Carry out receipt of repayment of loan money from customers.

e. Check the validity of the SBR starting from:

a. Calculate the capital lease and write it down on the SBR.

b. Inform the customer about the fees he must pay and receive money from the customer and calculate it.

c. Affixing the broad stamp and initialing the SBR body and its parts.

d. Writing proof of payment in duplicate, or receipt of payment from a computer or cash machine and tearing the SBR into two parts, namely the SBR body and the kitir.

e. Distributing SBR from proof of payment.

f. Make payments for credit loans

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13 4. Security

Security has the task of securing the assets of the company and customers in the office environment and its surroundings as well as creating comfortable conditions in the office environment during operating hours and outside operating hours.

5. Office boy

The office boy has several tasks that can be carried out in the workplace including:

a. Clean the office in the morning before the activity starts.

b. Arrange work equipment to be used.

c. Assist staff if needed for smooth work.

d. Cleaning equipment in the office.

2.4 The Working Process

In this report, the author explains about how the company's business processes and work processes are in goal.

2.4.1 The Business Process of PT Pegadaian UPS Simpang Rumbai Branches The business process at PT Pegadaian UPS Simpang Rumbai Branches is a company process in achieving profit and profit sharing. In Figure 2.3, the following is the business cycle or process of PT Pegadaian UPS Simpang Rumbai Branches:

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Figure 2.3 Business Process of PT Pegadaian UPS Simpang Rumbai Branches Source: Process Data 2022

Figure 2.3 illustrates the business process of PT Pegadaian Syariah, namely the company is a State-Owned Enterprise (BUMN) whose entire or most of the capital is owned by the State. Pegadaian was established to realize the ideals of BUMN to contribute to the movement of the national economy in general, providing benefits to the community in the form of providing quality and adequate products and services to meet the needs of the community at large.

2.4.2 The Working Process of PT Pegadaian UPS Simpang Rumbai Branches In carrying out this Apprenticeship activity, the author is placed in the Customer Service section, here are the duties and authorities of that section:

1. Serve customers pawn collateral goods 2. Receive calls and call customers 3. Check the pawned goods

4. Packing the pawn goods 5. Prepare a pawn form 6. Archive files

7. Record the book details of money and the use of dwilipat SBR The customer comes to the Pegadaian outlet with collateral and a photocopy of a valid ID card or passport

The customer's collateral is assessed by the appraiser

Loan money ceiling is offered to customers according to the quality and quality of the customer's

Loan money received by customers in cash or transfer

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15 2.5 Document Used for Activity

In the implementation of Apprenticeship, there are several documents needed to complete the work given. The documents are as follows:

1. Form of Aplikasi Pegadaian Rahn

Figure 2.4 Form of Aplikasi Pegadaian Rahn Source: Processed Data, 2022

Figure 2.4 details of the form of Aplikasi Pegadaian Rahn used for the identity of the customer who will pawn the collateral at the Sharia Pawnshop and signed by this customer.

2. Surat Bukti Rahn (SBR)

Figure 2.5 Surat Bukti Rahn (SBR) Source: Processed Data, 2022

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16 Figure of 2.5 details of Surat Bukti Rahn (SBR) is as securities recorded when the costumer agrees to the pledge agreement according to the type of goods, this SBR is generally for a loan within a period of 4 months.

3. Form of new Data Nasabah or Update data

Figure 2.6 Form of New Data Nasabah or Update Data Source: Processed Data, 2022

Figure 2.6 details of Form of New Data Nasabah or Update Data is a form given to customers whose data does not exist at the Sharia Pawnshop outlet visited, then the customer must fill out the form before making a pawn transaction or there is a change in data from the customer.

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17 4. Form of Account Opening Tabungan Emas Pegadaian (TEP)

Figure 2.7 Form of Account Opening Tabungan Emas Pegadaian (TEP) Source: Processed Data, 2022

Figure 2.7 details of the Form of Account Opening Tabungan Emas Pegadaian (TEP) is a form given to customers in the form of customer personal data to open a gold savings account.

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18 5. Form of Pegadaian Arrum Mikro/BPKB

Figure 2.8 Form of Pegadaian Arrum Mikro/BPKB Source: Processed Data, 2022

Figure 2.8 details of the Form of Pegadaian Arrum Mikro/BPKB is a form given to customers to fill in their identity before pawning collateral in the form of BPKB, this form is usually given for loans within a year.

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19 6. Form of Permintaan Transfer for Credit Disbursement

Figure 2.9 Form of Permintaan Transfer for Credit Disbursement Source: Processed Data, 2022

Figure 2.9 details of the form of Permintaan Transfer for Credit Disbursement is a form given to fill in the bank account number and name of the customer concerned if the disbursement of funds is in the form of non-cash, this is also to minimize cash transactions, the customer is recommended for transactions in the form of non-cash.

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20 7. Application Form for Mu'nah Special Rates

Figure 2.10 Application Form for Mu'nah Special Rates Source: Processed Data, 2022

Figure 2.10 details of the Application Form for Mu’nah Special Rates is a form given to customers who pawn a large nominal amount of gold, thus they get a special Mu’nah rate per 10 days within a period of 4 months.

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21

CHAPTER III

SCOPE OF THE APPRENTICESHIP

3.1 Job Description

At PT Pegadaian UPS Simpang Rumbai Branches, the author carried out Apprenticeship based on the direction of the Apprenticeship supervisor in the field, namely helping the smooth operation of the appraiser and cashier. The author is given several powers and responsibilities to carry out the following tasks:

1. Serves customers Pawning of gold 2. Serves customers Pawning of BPKB 3. Receiving calls

4. Calling customers 5. Receive payments

6. Receive a list of Barang Jaminan Dalam Proses Lelang (BJDPL) 7. Recording the money details book

8. Recording the use SBR of dwilipat 9. Gluing settlement report

10. Packing pawn goods 3.2 Place of Apprenticeship

Apprenticeship is carried out after students occupy semester VIII, while the Apprenticeship activities last for approximately 4 (Four) months, starting from March 02^nd 2022 to June 30^th 2022 at PT Pegadaian UPS Simpang Rumbai Branches located on Jl. Sekolah/Khayangan No. 19, Rumbai Pesisir District, Pekanbaru Regency, Riau Province. With entry conditions starting at 08.00 to 16.00 WIB for Monday-Friday and from 08.00 to 13.00 WIB for Saturday.

Table 3.1 Daily Activities of March 02nd, 2021 to March 05th, 2022

No Date and time Description of activities Assignor

1

Wednesday, March 2^nd,

2022

Introduction to PT. Pegadaian (Persero) Pekanbaru Area

The manager of student Apprenticeship

section

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22

2

Thursday, March 3^rd,

2022

National Holiday -

3

Friday, March 4^th,

2022

Introduction to PT. Pegadaian (Persero) Pekanbaru Area

section 4

Saturday, March 5^th,

2022

Briefing by PT. Pegadaian (Persero) Pekanbaru Area to students apprentice about pegadaian

section Source: Processed Data 2022

Table 3.1 is the author's first week of Apprenticeship activities. In the first week the author carried out Apprenticeship which was still in the introduction and briefing activities at PT. Pegadaian Pekanbaru Area Branches before being palced in their respective branches or units.

Table 3.2 Daily Activities of Maret 07th, 2022 to Maret 12th, 2022

1

Monday, March 7^th,

2022

1. Confirmation of the implementation activities of Apprenticeship at PT. Pegadaian (Persero) Ahmad Yani Branches

2. The head Manager of PT. Pegadaian (Persero) Ahmad Yani branches determining to carry out activities of Apprenticeship at PT. Pegadaian (Persero) UPS (Unit Pelayanan Syariah) Simpang Rumbai branches

3. Following the operational activities of PT.

Pegadaian (Persero) UPS Simpang Rumbai branches

Estimator &

Cashier Section

2

Tuesday, March 8^th,

2022

1. Packing pawn goods

2. Bundle repayment SBR (Surat Bukti Rahn)

Estimator & Cashier Section

3

Wednesday, March 9^th,

2022

1. Serving customers 2. Photocopy of ID card 3. Packing pawned goods 4. Bundle of repayment SBR

Estimator &

Cashier Section

4

Thursday, March 10^th,

2022

1. Calculate cashier balance and tidy up money 2. Photocopy of customer's ID card

3. Serving customers

4. Paste the settlement report on the checking account

5. Bundles of SBR Dwilipat, Repayment SBR, Damaged SBR, customer data

6. Record the cashier balance in the Money Details Book

7. Packing pawn items

Estimator &

Cashier Section

5

Friday, March 11^th,

2022

1. Photocopy of customer's ID card 2. Serve customers

3. Calculate cashier balance, tidy up money and input cashier balance on computer

Estimator &

Cashier Section

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23

4. Recording the cashier balance in the money details book

5. Bundles of SBR Dwilipat, Repayment SBR, Customer Data

6

2022

1. Photocopy of Customer's ID card 2. Serve customers

3. Arrange receipts according to the type of transaction and arranging money

4. Record the money details book, record the use SBR of Dwilipat

5. Calculate cashier balance and input on computer 6. Bundles of SBR Dwilipat , repayment SBR, bank

statements and cashier transactions, customer data 7. Photocopy of settlement report and glued to the

checking account

Estimator &

Cashier Section

Source: Processed Data 2022

Table 3.2 is the second week of March the author began to carry out the activities of Apprenticeship at PT. Pegadaian UPS Simpang Rumbai Branches.

The author carries out directions from the supervisor at the Apprenticeshipplace such as photocopy of ID card on the Pegadaian application form as a sign of customer identity, serving customers who pawn goods, bundles of used SBR of Dwilipat, SBR repayments for customers who have taken their goods, bundles cash register cash book, namely transactions after closing the cashier, bundle customer data forms that have never been pawned or customers who update their data will fill out the form.

Table 3.3 Daily Activities of February 14th, 2022 to February 19th, 2022

1

Monday, March 14^th,

2022

1. Photocopy of customer ID card, transfer request form

3. Bundle gold arrum, ultimate sharia noble contract, SBR of left behind, customer data, marhun handover contract, Dwilipat SBR, SBR of MDPL (Marhun Dalam Proses Lelang), SBR of repayment

4. Packing the pawn goods

5. Recording the use of double SBR

6. Photocopy of settlement report and pasted on bank statement

Estimator &

Cashier Section

2

2022

1. Photocopy of customer's ID card 2. Receive customer calls

4. Bundle of repayment SBR, SBR of dwilipat, SBR of MDPL, bank statements and cashier transactions, marhun handover contract, ultimate sharia noble contract, pawnshop gold savings, left behind SBR, customer data, gold arrum

5. Record the money details book

Estimator &

Cashier Section

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24

6. Photocopy of settlement report and glued to the checking account

3

2022

1. Photocopy of customer's ID card 2. Weigh gold

3. Checking the bank statement of the void mcd machine

4. Receive customer calls

5. Record the customer's redeemed contract number 6. Serving customers

7. Recording the money details book, Recording the use of SBR of dwilipat

8. Bundles of Repayment SBR, customer data, gold arrum, checking account and cashier transactions 9. Taking SBR of left behind by customers

Estimator &

Cashier Section

4

2022

1. Photocopy of customer's ID card

2. Weigh the gold and put it in the BJ (Barang Jaminan) bag

3. Receive customer calls 4. Serving customers

5. Recording the money details book, Recording the use of SBR of dwilipat, Recording the customer's redeemed contract number

6. Bundles of Repayment SBR, SBR of dwilipat, customer data, gold arrum, checking account and cashier transactions, SBR of MDPL

Estimator &

Cashier Section

5

2022

1. Photocopy of customer's ID card 2. Packing the pawn goods

4. Recording the use of SBR of dwilipat

5. Bundles of repayment SBR, SBR of dwilipat, bank statements and cashier transactions

7. Taking SBR of left behind by customers

Estimator &

Cashier Section

6

2022

1. Photocopy of customer's ID card and BPKB (Buku Kepemilikan Kendaraan Bermotor)

2. Putting gold into the BJ (Barang Jaminan) pocket 3. Separate the active and inactive products of trust

and arrum 4. Serving customers

5. Record usage SBR of dwilipat, record the number of the redeemed customer's contract, record the money details book

6. Make bundles SBR of MDPL, UKEL (Uang Kelebihan), SBR of Repayment for February 7. Bundles of repayment SBR, SBR of dwilipat,

bank statement and cashier transactions, SBR of MDPL, customer data

Estimator &

Cashier Section

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25 Table 3.3 is the third week of March the author carries out the same activities as the previous week, then receives phone calls from customers who want to redeem their goods, packs pawned goods such as gold, BPKB is put in the BJ bag, bundle of UKEL from the sale of auction goods the customer, records the use of the used SBR of dwilipat number, records the customer contract number who will redeem the goods to bring the goods.

Table 3.4 Daily Activities of Maret 21nd, 2022 to Maret 26th, 2022

1

Monday, March 21^st,

2022

1. Photocopy of ID card, BPKB, marriage book, STNK (Surat Tanda Nomor Kendaraan), customer KK (Kartu Keluarga)

2. Serving customers 3. Receive customer calls

4. Record the money details book

5. Bundles of repayment SBR, SBR of MDPL, customer data, checking accounts and cashier transactions

7. Taking SBR of left behind by customers

Estimator &

Cashier Section

2

Tuesday, March 22^nd,

2022

1. Photocopy of ID card, BPKB, transfer request form

2. Serving customers 3. Receive customer calls

4. Record the money details book, record the customer's redeemed contract number

5. Bundles of repayment SBR, SBR of MDPL, customer data, checking accounts and cashier transactions

Estimator &

Cashier Section

3

Wednesday, March 23^rd,

2022

1. Photocopy of the customer's ID card 2. Receive customer calls

3. Record the number of the redeemed customer's contract, record the use of the SBR of dwilipat, record the money detail book

5. Bundles of repayment SBR, SBR of MDPL, handover marhun contract, ultimate sharia noble contract, arrum BPKB, SBR of dwilipat, checking account and cashier transactions

Estimator &

Cashier Section

4

2022

3. Check that the double SBR has been paid off 4. Record the number of the redeemed customer's

contract, record the use of the SBR of dwilipat, record the money detail book

Estimator &

Cashier Section

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26

5. Bundles of repayment SBR, SBR of MDPL, marhun handover contract, ultimate sharia noble contract, gold arrum, customer data, checking accounts and cashier transactions

5

2022

3. Check that the double SBR has been paid off 4. Record the customer's redeemed contract number,

record the money detail book

5. Bundles of repayment SBR, SBR of UKEL, SBR of MDPL, SBR of lost, marhun handover contract, ultimate sharia noble contract, gold arrum

Estimator &

Cashier Section

6

2022

1. Photocopy of customer's ID card and BPKB 2. Receive customer calls

3. Record the number of the redeemed customer's contract, record the money detail book, the use of the SBR of dwilipat

5. Bundles of Repayment SBR, SBR of UKEL, SBR of lost, SBR of Dwilipat, handover contract marhun, bank statement and cashier transactions, gold arrum

Estimator &

Cashier Section

Table 3.4 is the fourth week of March the author carries out the same activities as the third week, but this week there are additional photocopies of the required documents for the mortgage arrum BPKB such as, KTP, KK, BPKB, Marriage Book, customer STNK, bundle of UKEL from sale of customer auction items, bundle of MDPL collateral items that have been included in the auction list, bundle of marhun handover contract, which is collateral that is paid off and handed over to the customer, bundle of ultimate sharia noble contract, which is a contract made for customers who have purchased metal noble from the pawnshop, bundle of the arrum gold which is an installment agreement for collateral in the form of gold that is pawned, record of used SBR of dwilipat number.

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27

Table 3.5 Daily Activities of March 28st, 2021 to March 31th, 2022

1

Monday, March 28^th,

2022

1. Photocopy of ID card 2. Receive customer calls 3. Counting money

4. Record the number of the redeemed customer's contract, record the money detail book, the use of the SBR of Dwilipat

5. Packing the pawned goods

6. Bundles of repayment SBR, SBR of Dwilipat, handover marhun contracts, bank statements and cashier transactions, customer data

Estimator &

Cashier Section

2

2022

1. Photocopy of ID card

2. Recording the use of the money details book, SBR of Dwilipat

3. Pack up the pawn and put the gold in the BJ pocket

4. Bundles of repayment SBR, ukel SBR, bank statement and cashier transactions, customer data 5. Customers serve

6. Photocopy of payment report and glued to the checking account

Estimator &

Cashier Section

3

2022

1. Photocopy of ID card 2. Receive calls from customers

3. Record bookkeeping details of money, the use SBR of dwilipat , record customer contract number

4. Weighing gold 5. Pawn goods packing

6. Bundles SBR of repayment, SBR of MDPL, gold arrum, bank statement and cashier transactions, marhun handover contract, SBR of dwilipat 7. Serving customers

8. Photocopy of the settlement report and glued to the checking account

Estimator &

Cashier Section

4

Thursday, March 31^st,

2022

3. Record the book of details of money, use of SBR of dwilipat, record the number of the customer's contract

4. Weighing gold

5. Packing the pawned goods

6. Bundles SBR of Repayment, SBR of MDPL, gold arrum, bank statement and cashier transactions, handover contract for marhun, SBR of dwilipat 7. Serving customers

Estimator &

Cashier Section

Table 3.5 is the fifth week of March the author carried out the same activities as the fourth week, there was an additional copy of the settlement report, namely non-cash transactions from customers using EDC (Electornic Data

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28 Capture) machines attached to the checking account according to the name of the bank used, such as BCA, BRI, Mandiri, BNI, and Serving customers such as providing queue numbers, providing forms and helping customers fill out forms.

Table 3.6 Daily Activities of April 01th, 2022 to April 02th, 2022

1

Friday, April 1^st,

2022

3. Record the money detail book, record the contract number that the customer exchanged

4. Packing the pawn goods 5. Create a file bundle for April

6. Bundles of gold arrum, gold savings and gold savings rahn, customer data

Estimator & Cashier Section

2

Saturday, April 2^nd,

2022

1. Photocopy of ID card 2. Receive customer calls

3. Record the number of the redeemed customer's contract, record the money detail book, the use SBR of Dwilipat

4. Bundles SBR of repayment, SBR of dwilipat, handover contract marhun, bank statement and cashier transactions, gold arrum, customer data 5. Serving customers

Estimator &

Cashier Section

Table 3.6 is the first week of April the author carried out the same activities as the previous month, but there was an addition at the beginning of each month that he would create a new bundles to archive data per month, arranged according to the type of data, such as bundles SBR of dwilipat, repayment SBR, lost SBR, damaged SBR, SBR of MDPL, SBR of UKEL, checking accounts and cashier transactions are done to make it easier to find customer data if needed for certain purposes.

Table 3.7 Daily Activities of April 04th, 2022 to April 09th, 2022

1

Monday, April 4^th,

2022

1. Photocopy of ID card 2. Receive customer calls

3. Record the number of the redeemed customer contract, record the money detail book, the use of the SBR of dwilipat, record the description of the mobile phone product on the Rahn Pegadaian Application form

4. Bundles SBR of Repayment , SBR of Dwilipat, bank statements and cashier transactions,

Estimator &

Cashier Section