INTRODUCTION
Background of the Apprenticeship
28 of 2011 regarding the establishment, organization and working procedure of the State Polytechnic of Bengal and Culture of the Republic of Indonesia. Because of this, the author did an internship in one of the financial service institutions, namely PT Bank Rakyat Indonesia Rupat unit. Financial service institutions exist because of the many needs of the general public to fulfill economic and financial aspects.
On 2 July 2021, the Government of Indonesia officially transferred the majority of shares in Permodalan Nasional Madani and Pegadaian to BRI through Government Regulation No. 73 of 2021, as part of the formation of a BUMN holding company engaged in the ultra-micro sector.
Purpose of the Apprenticeship
Significances of the Apprenticeship
At PT.Bank Rakyat Indonesia (Persero) Tbk, Rupat Unit Office, the writer is posted in the customer service department. The customer comes to the bank with the required documents, such as an identity card (KTP) and a taxpayer identification number (NPWP). In Figure 3.5, the procedure for compiling Brimen AR and FR at Bank BRI's Rupat Unit Office, CS will check the data compatibility between the completed form and the customer's original personal data documents.
The author gains knowledge and learns about PT Bank Rakyat Indonesia in the Rupat Unit Office, especially in the Customer Service Section.
GENERAL DESCRIPTION OF THE COMPANY
Company History
- Bank Rakyat Indonesia Islands Logo
In the period after the independence of the Republic of Indonesia, based on Government Regulation No. The head of the BRI Dumai branch in charge of the BRI Rupat unit, Muhammad Fendi Maulana. He also hopes that the economy on Rupat Island can develop quickly so that the prosperity of the community can become even better.
At that time, BRI's ownership was still 100% owned by the Government of the Republic of Indonesia.
Vision and Mission
The closed rectangle containing the words BRI indicates that BRI is a safe and secure company. Meanwhile, the combination of straight lines and curves used to make the logo indicates that BRI, as a bank that has been through various historical events, is always flexible (curved) and able to adapt.
Organizational Structure
Supervise all subordinates and work units under them to implement and achieve the objectives of the set work plan. Identification of the economic potential in his work area, so that he can support the preparation of the target market (PS), acceptable customer criteria (KND) by branches. At the customer's headquarters, review the application for credit, which includes the activity, the location of the guarantee and analyze it, and propose a credit decision to the head of the unit.
Receive deposit money from customers and match it to the deposit receipt to ensure correctness of transaction and authenticity received.
Company Scope
- Product
- Place
- Price
- Promotion
- People
- Physical Evidence
- Process
The customer comes to the bank with the following documents: necessary, such as an identity card (KTP) and a tax identification number (NPWP). A customer comes into the bank and the bank security guard will instruct them to take the customer service queue number. The customer comes to the bank and the bank security guard will instruct them to take the cashier's waiting number.
The customer comes to the bank and will be instructed by the bank's security guard to take the counter queue number. If it is approved by the supervisor or AMOL, the customer comes to the till with a cancellation slip. The customer comes to customer service with an original ID card and payment card.
Systems and Procedures
CS will provide information to customers about the terms and conditions of Micro Insurance Products which provide protection for 1 year against Health, Accidents and Death as per the form to be filled by the customer. After the form is filled in by the customer, CS will check the completeness of the filling and will match the customer's personal data with the original customer identity card and the applicable terms. In Figure 3.3 the procedure for applying a pass book stamp can be seen in the image below is the result of a pass book stamp that is ready to be used.
The customer will be instructed by the bank security guard to take the customer service queue number. When calling the waiting number, the customer will approach the help desk and receive an account opening form. As long as the customer fills out the form, CS will enter the customer's personal information.
CS will check the suitability of personal data between the completed form and the customer's original personal data documents. After the initial deposit is made, the customer will return to the CS desk to collect the passbook. In Figure 3.6 the procedure for compiling Counter Transactions at Bank BRI Rupat unit offices, to arrange according to the date, month, year and serial data of customer account numbers.
In Figure 3.11 Processes for uploading Brimen to the Brimen 2.o application, which you can see in the figure below, is the result of the Brimen input process, which is ready to be uploaded to the customer folder, which will be ready to be uploaded to the Brimen series. CS Sends the data to the supervisor, who will perform the approval as a supervisor or signatory.
Obstacles encountered
Solution
In the first obstacle, in overcoming the difficulty of adapting to the office environment, the author tries to get to know and communicate well with other employees during vacations. By communicating the author can better understand the conditions that exist in the company through the statements of the employees. In the second obstacle, the author tries to identify and study the products in PT.
In the case of the fourth obstacle, this is not a big obstacle because the author gets relations from other departments or departments and can supplement the information for the prepared PKL reports. Bank Rakyat Indonesia Rupat Unit office in completing the assignment, the author brought his laptop and borrowed the KA Unit laptop. Constraints such as insufficient number of PCs cause delays in completing tasks assigned to the author.
After the author finished performing street vendors at PT BRI Rupat Unit Office, the author was hired to work in the micro-management section, the author gained new knowledge and experience of the real world of work. The writer gets a lot of experience such as how to work neatly and on time to complete a given job. The author gains experience with how to work together with other employees and gains trust, and the author himself must be responsible for the tasks that are given.
The author gives some suggestions for different parties, namely for the author himself, for students or younger siblings who will do practical work in the next period, for companies and for Bengkalis State Polytechnic. Company: As the author leads the job training activities in Rupat Unit Office of PT Bank Rakyat Indonesia.
CONCLUSION AND SUGGESTION
Conclusion
The author learns that getting to know a new environment in terms of the world of work requires good interaction and adaptation to existing environmental conditions because it affects the feedback provided by the environment. Issuance of warning letters, actions of banks in issuing first warning letters, second warning letters and third warning letters, so that debtors fulfill their obligations in the credit agreement. The first warning letter given by the bank to the debtor contains obligations to be fulfilled and an invitation from the creditor to the debtor to negotiate.
Warning letters in banking have an important role, where warning letters are one of the conditions for conducting auctions. This is intended so that students know how to give debtors the opportunity to fulfill their obligations as well as calls from creditors to negotiate. CIF stands for Customer Information File, where this CIF contains all customer information in a bank.
This CIF number is a system from the bank that works to record and find personal data, financial data and other data related to customers. The CIF number in the bank is also useful as a rating provider for customers based on the calculation of the customer's risk factors. So it is easier for the bank to find out whether the customer has a bad banking history or not.
In working to be able to check, BI Checking aims to make it easier for banks and lenders to provide loans to individuals or companies.
Suggestion
There are some suggestions for a better company, namely when the company gives tasks that have high responsibility and high risk for the Internship students to be supervised, guided and taught the steps. Bengal State Polytechnic: Suggestions for Bengal State Polytechnic is to keep this practical work which can be used as assessment material and should be given to students before doing practical work according to the field or course material according to the work in ground. practice company. And the said person will pick up the student who will do practical work on the first day of admission and pick him up again when the student has finished the practical work.
Laporan Praktek Kerja Lapangan Departemen Keuangan, Divisi Operasional Sistem Keuangan Kantor Pusat Bank Indonesia. Laporan Praktek Kerja Lapangan Kelompok Penyelesaian Transaksi Keuangan Departemen Keuangan Dalam Negeri Kantor Pusat Bank Indonesia DKI Jakarta. Laporan Praktek Kerja Lapangan Unit Digital Banking Group Kantor Pusat PT BANK Syariah Mandiri Tbk Thamrin Jakarta Pusat.