Known Your Customer (KYC)

KYC (Known Your Customer) is the principle applied in the bank to know the identity of the customer, the transaction monitor customer activities including the reporting of suspicious transactions and to prevent the use of banks as a means of money laundering by bank customers.

Principal KYC:

Identification and verification

Bank officers must perform identification and verification of data and documents provided are legitimate and valid to :

1. High Risk Product

• Product - the product for money laundry facilities

2. High Risk Customers

• State officials executant,
• Executive officials, legislative and judicial,
• Official functions and other tasks related to the main organizers countries (Bupati, Camat, Head of the village, etc.)

3. High Risk Business

• NGOs (Non Government Organitation) and the Foundation for Social
• Party Politics
• Agent / broker Real Estate
• The field of forestry companies
• Companies in Multi Level Marketing and Money game

4. High Risk Countries

• Myanmar, Nigeria
• Tax Haven Country: Cayman Island, Luxembourg, Panama, Puerto Rico, Monaco

Monitoring and Reporting

Bank staff required monitoring / monitoring of:

1. Update customer's data

• Bank staff required to update customer data or any changes at least once a year
• Can be done in different ways / phase / priority. Example: for a customer at risk, with the value of customer transactions and large

2.Transaksi customers

• Monitor and report any transactions that deviate from the customer profile (STR: Suspicious Transaction Report)
• Transactions that deviate from the profile, characteristics or practices on customer transaction
• Financial transactions that should be done with the alleged purpose to avoid the mandatory reporting of transactions performed by financial service providers.
• Financial transactions carried out or canceled is done using the property that was suspected to be derived from the crime.
• If the customer has experience as a suspect / accused money laundering cases that come from law enforcement, government institutions, and communities.

Monitor and report the Cash Transaction (CTR: Cash Transaction Report)

Financial transactions conducted in cash cumulatif in the amount of Rp 500 million or more or the equivalent value, either made in one transaction or a transaction multiple times in 1 business day. Financial transactions that are excluded:

• Transactions between the Bank
• Transactions with the Government
• Transactions with the Central Bank
• Payment of salary and pension
• Other transactions specified by the PPATK or at the request of PJK is known by PPATK

Main Document to Submit for the Microbanking loans

• Copy of ID card debtor Candidates
• ID Card Copy wife / husband, to the debtor status of married
• Copy NPWP for loans above Rp.50.000.000, --
• Copy of permission letter Trading, dDebitur candidate for the business market in the area
• Copy of Family Card
• Copy Letters married
• Copy of Divorce Certificate / Death Letter, to the status of prospective borrowers with the widow / widower
• Copy of ID card Guarantee owner, if insurance is not the owner or prospective debtor wife / husband
• ID Card Copy wife / husband owners insurance if insurance is not the owner or prospective debtor wife / husband

Loan To Value (LTV)

Is a basis or method used to determine how big a loan that can be given to the debtor based on the assets used as collateral.

Individual micro banks determine their own micro-scale LTV, however, the outline can be described as follows:

1. Land ownership certificate: LTV = max. 80%
2. Letters cars / BPKB: LTV = 60%
3. Deposit: Max. 100%

For example, if the land price according to market (total) is Rp. 100.000.000, - then the maximum loan that can be given is Rp. 80000000, -. This refers to the basis of determining LTV for a certificate of land ownership is 80%.

However, a bank does not only consider the Loan To Value (LTV) in determining the large loans will be provided, but there are many other factors such as the capacity of business, business type, character and other prospective customers

Credit Admin / Loan Admin

Running a good credit process & document is in accordance with the provisions


Main Responsibility :

• Assist in the process of credit in the branch
• Ensure the validity and existence of credit documents
• Mengadministrasikan credit documents
• Capable of working with the customer service orientation
• Have any understanding of credit and risk

Qualification:

• Minimum education: Major Degree /IPK 2.75
• Maximum age: 30 years
• 1 year experience in the administration
• The local language and culture
• Works MS Office (Excel and Word)

Sales Anchor / Anchor Relationship Microbank

Maintaining a good relationship with the customer (debtor) through the Service (visits) and Cross Selling, resulting in a sustainable business (business sustainability) in the branch.

Main Responsibility

• Sales Officer help increase sales and maintain relationships with the task of existing customers.
• Conducting visits (pick up) to the customer so that the quality of the loan (credit) given to support achievement of the optimal branch. Visits, among other Cash Pick Up, Check Business Development, Top Up and Collection
• Helping branch (Branch Manager) to build community center with the customer is always involved in the branch activities
• Have high integrity, discipline, Proactive, Target Oriented Persistence and communicative
• Customer service orientation
• Skills to build long term relationships with customers, including the loan ceiling to improve the customer through our top-up
• Ability to sell and negotiate

Qualifications:

• Major degree minimum
• Maximum age 30 years
• The local language and culture
• The task of field
• Able to establish communication and able to adapt quickly

Sales Officer / Relationship Officer on microbanking

Responsible for achieving sales target with the disciplinary process of the sale, so that support accelerated achievement of branch sales target.


Main Responsibility :

• Search for the customer (debtor) with the new fill and run the daily agenda of good and true
• Managing portfolio (loans) for customers who have developed a healthy relationship with both of the customer. Among others: Cash Pick Up, Business maintained, Top Up and Collection
• Make penetration of the sales area up to 10 km from the branch office
• Helping branch (Branch Manager) to build community center with the customer is always involved in the branch activities.
• Have the ability to sell and have the ability to pro-negotiation
• Have high integrity, Discipline, Proactive, Persistence,Target Oriented and communicative

Qualification:

• Education: major degree /IPK 2.75
• Maximum age 30 years
• 1-2 years minimum experience
• The language and local culture
• Strongly oriented towards the target
• The task of field
• Able to establish communication and able to adapt quickly

Limit transportation of cash

Limit transportation of cash can be divided into:

Cash In Transit (CIT) :

• Transportation of cash from a branch to the Central Vault cash (CCV) and vice versa as well as to and from the Central Bank and to and from other banks or to and from the customer for operational purposes.
• Cash that must be stored in the storage box of money that has dual security system custody.
• For transportation to and from the branch coordinator, using the media or special form that has been agreed

Cash Pick Up Services (CPU):

• Transport cash deposit from the customer service in order to cash pick-up routine to customers.
• Can be done at home or place of business customers.
• Using EDC (electronic Data Capture) media or form special CPU
• deposit money can be made by customers other than

Determining the limit box is usually referred to by their - or their division in the bank by the proposed branch and known by the immediate superior and the superior of their respective supervisor.

CIT executive officer and the CPU is equipped with the mandatory task and the letter of Ultra violet light that functions as a portable money detector

Transport cash is compulsory insurance dicover with cash and cash limit will be adjusted with the agreement with the insurance.

Limit Box Branch Teller Micro Bank

To improve service to customers of most banks micro entrepreneur, provided cash box at the Teller. Cash is managed and the responsibility of each bank micro Teller. All funds are in a box on the counter Teller / Teller area insured the insurance company appointed by the bank.

Teller at the time of receiving deposits from customers and provide customers withdrawing money, and must be applied the principle circumspection both nominal and authenticity of the money to avoid micro customer complaints that can affect customer trust bank micro

Determining the limit box is usually referred to by the respective division or in the case of the bank submitted by the branch and known by the immediate superior and the superior of their respective supervisor.

When the money in the box near the teller or exceed the permitted limit, the money box in the teller should be disetorkan officer for the operation to be inserted into the safe. This must be done because the criminal act occurred when the insurance will only change to the bank are a number of micro insurance guaranty money box teller.

In addition to the above, as well as the reconciliation day to occur when the difference will be more easy money in the process of verification and investigation and tracking of a difference because the money selih both more and less difference.

Term of the Loan on the Micro Banking

1. Target Market, Micro banking Debtor is a trader or businessman or entrepreneur
2. Residency and citizenship, Indonesia citizens who remain domiciled in the country in the union republic Indonesia
3. Destination Loan, Centers is the purpose of the loan however, is suggested as working capital or business investment was related to potential business micro banking debtor
4. Business Ownership Business, which must be financed property debtor
5. Business Places, business are owned by prospective borrowers, the wife / husband prospective borrowers, parents / prospective debtor law, children uterus prospective debtor, except in the community then the market can be a right or permission to use trademarks or similar that can be extended
6. Phone Number, It is expected that prospective borrowers have a phone number that can be contacted either fixed network (fixed line) or wireless network (Hand Phone etc.)
7. Track record, Branch / unit must ensure that prospective borrowers, or husband / wife or business (if have) already have a loan in place, and check loans that for consideration in the analysis credit
8. Verification, Conducted verification of all information and results are listed on the verification of all documents credit
9. Determining the amount of loan, Determining the loan amount is determined based on ability to pay back (IDIR) and working capital needs (WI), if necessary by considering the application and prospective micro banking debtor or guarantee.
10. Credit Agreement, Credit agreement must be signed by prospective borrowers and the Bank
11. Business Type avoided that (in general), Type of business that do not have a place of business fixed, business income received more than 1 month or once seasonal business that operate less than 2 years, Location outside the target market map.
12. One Obligor Concept, Terms of Bank Indonesia on the concept of one if the obligor is a debtor to have any relation to the other financially and / or between the management and the relevance or the collateral
13. Other Revenue, Earnings debtor's business other (non-business, which will be financed) The business (not as employee salaries) from the pair potential borrowers

Insurance Declaration

Declaration of Insurance is the report that the contents of each working day after the end of the operating day based on Realized Nominal (For holidays do not need to fill in, except there is operational

Reports Declaration of insurance made to find out how much the insurance premium must be paid / payable by branch which consists of 2 reports, namely CICB (Cash In Cashier Box), the nominal handover of money from the end of the day from Teller to Operations Officer. CIT (Cash In Transit), the amount of money that the pick up and delivery of cash or the branch staff.

for that Declaration of Insurance must be made every day, in order to reduce the risk of error date / charging error on a different date to report. Declaration in accordance with the insurance must be made in accordance with the indemnity insurance that occurred at that time.

Micro banking Player in Indonesia

Micro Banking is a business segment of the banking sector to serve more small business market, micro and medium (MSMEs), the opportunity is still very big on this segment to make foreign and local investors are interested to be able to enter and compete in order to benefit most from the sector.

Micro Banking in Indonesia is dominated by one of the government, namely the Bank of Bank Rakyat Indonesia (BRI) of the market sector MSMEs ± 30%, ± 5% followed by some of the BPR, Koperasi and Baitul Malwat Tanwil (BMT). So long ± 65% market share MSMEs sector does not doing with maximum by private or government.

Some of the Bank of the Government and the private sector has been trying to enter the market, but the trip when the constraints, they fail as Bank Mandiri, BNI and Bank Danamon. Then in 2004 one of the private banks namely Bank Danamon try again to enter this market. Danamon launched Micro Banking Segment with the name Danamon Simpan Pinjam, or better known as the DSP in the community, led by Djemi Suhenda.

Year 2008, the pop - new players in micro banking sector, among others Bank Mega with Mega Mitra Syariah (M2S), Bank Panin, Bank BTPN and several other banks. Including Bank Mandiri, also start again on Micro banking sector. Not only that, many players who will participate in the world such as Micro Banking like CIMB Niaga and more ...we wait ....

Interesting Investor For micro banking or Microfinance bank

Indonesia is a developing country, but the biggest supporters of this nation's economy is on the small business sector, micro and medium (MSMEs) but it seems the government does not see and less concerned with the sector. campaign so much effort in this sector and improve the program - poverty reduction program based MSMEs, but the campaign is just a campaign, which was then fade and disappear after the economic climate began to change.

Communities themselves as less concerned with the government programs and thus seemed to take advantage of the opportunity that is too narrow, in the members and program participants only to get a capital injection and then fled without paying with a variety of reasons. This is because of the government it self is not and has not been able to control this micro banking sector.

In 1998 when the dash Indonesian monetary crisis, the banking sector was down so many banks have liquidation and put into the "Badan Penyehatan Perbankan Nasional" (BPPN). Another case with Banks and financial institutions in the small business sector, micro and medium (MSMEs) and the Bank also focused on such as BRI Micro Banking, BPR and Koperasi. Even if the financial crisis they jump and stand still does not feel as if they even still wash benefits.

In 2004 when the Bank Danamon enter this segment through the micro banking Danamon Simpan Pinjam (DSP) of the many business and banking pessimistic on the ability of DSP to be able survive more than 3 years. However, after 3 years running, input and assumptions have been changed 180 º by Djemi Suhenda, not only able to survive but the DSP has been developing rapidly over 15% market share and Micro Banking UMKM main competitor was the most frightening BRI throughout history.How does not, the DSP is in the loan ceiling to the customer so many BRI customers moving into the DSP customers, in addition to the BRI never predict the strength of DSP will be developed so rapidly become competitors in the micro banking sector.

The most interesting for investors, of course, profit and profit ... Look how much profit in the illicit BRI's microfinance sector and also the segment of the Danamon for Segment DSP. The profit before tax (Net Performance Before Tax) is arouse investor. This is due in 1 year a branch micro banking can provide benefits before tax up to 1 billion. If we can imagine the amount of more than 500 branches then we can also count the all benefits.

In fact, many branches of benefit or profit is 1 billion after the consolidation process and also charged after tax (NPAT = Net Profit After Tax). Do you interesting to invest ....

Working On Micro Banking

Working on micro banking not be like by everyone. For people who have both experienced and new graduates, work at a bank is the prestige and arouse so rollicking submit application letter with the hope to work in one of the micro bank in Indonesia. Consequently many of them have received as employees expressed disappointment. Why this can happen, the answer is very simple because they do not know Anything about micro banking.

In fact at the time of signing the agreement before the work, some of the micro bank said "If you are not a workaholic, better step down now" but they still see continued without further work on the bank again.

The system especially micro bank is very much different with the work on conventional bank / regular bank. Entering the micro banking world must be ready to exit-entry markets, shops, stalls and also be ready to be workaholic. Paradigm of workaholic, of course, because the shareholders want the company benefits from big business. Applied in the target to get mad and throw the customer time and loans is not a hindrance to work tired, although without calculating the overtime.

However, hard work of course get the reward that kind, especially in the form of incentives. For those who have achievement incentive of 1 monthly basic salary is not that difficult to get and there are many incentives in the period of 3 monthly, 6 monthly, yearly and even 5 yearly. So, for the workaholic, work on the micro banking is very precise, especially if you want to get the results be more.

Micro Banking Limit Transactions

In micro banking, Limit To Computer Accounting Transactions made to apply principles of careful implementation of the Bank and Dual Control over the transaction, the transaction must limit specified for each staff to conduct a transaction Computers.

Determining the limit is usually refers to circular or memo issued by the respective divisions with regard to "Limit transaction" submitted by the branch and known by the immediate superior and the superior of their respective supervisor.

Limit transactions on micro banking that have been specified for each level in accordance with the duties and responsibilities that limit Teller, Operation officer and Branch Manager

Limit the online transaction is made up of 2 things, namely:

• Limit Cash transactions consist of the deposit and pull
• Non-cash transaction limit that consists of overbooking.

Limit transaction registered usually required for the application of computer use and the appropriate provisions of the current limit when the transaction - can be changed in accordance with the policies that apply to the individual - each bank

When a staff in a transaction exceeds the limit of authority, then the bookkeeping transaction can still be done with the approval / override from superiors or the holder of a higher limit be set in the Operating Instructions.

example: A customer came to the bank to make a cash deposit to the teller counter a number of 7 million rupiah, while the limit for the cash transaction teller of 5 million rupiah. So transactions are done with the input to the teller system, and Operations Officer (OO) Override to provide transaction authorization as may be executed with the responsibility of the authority limit Operation Officer.

As a proof of transaction approval from Operation officer or other superiors who have authority limit higher then superiors or Operation officer put a signature on transaction evidence in this case a customer deposit slip as proof of the override provided directly (not sharing user Id and password) by bank officials.

Paradigm Micro Bank in Indonesia

Working on Bank of Micro not be like by everyone. For people who have both experienced and new graduates, work at a bank is the prestige and arouse so rollicking submit application letter with the hope to work in one of the bank is in the micro Indonesia. Consequently many of them have received as employees expressed disappointment. Why this can happen, the answer is very simple because they do not know Anything about micro banking.

In fact at the time of signing the agreement before the work, some of the micro bank said "If you are not a workaholic, better step down now" but they still see continued without further work on the bank again.

The system especially micro bank is very much different with the work on bank conventional / regular. Entering the micro world must be ready to exit-entry markets, shops, stalls and also be ready to be workaholic. Paradigm of workaholic, of course, because the shareholders want the company benefits from big business. Applied in the target to get mad and throw the customer time and loans is not a hindrance to work tired, although without calculating the overtime.

However, hard work is, of course, get the reward that kind, especially in the form of incentives. For those who have achievement incentive of 1 monthly basic salary is not that difficult to get and there are many incentives in the period of 3 monthly, 6 monthly, yearly and even 5 yearly. So, for the workaholic, work on the micro bank is very precise, especially if you want to get the results be more.

Bank Indonesia Business License Unplug PT. Bank IFI

Based on the Decree of Governor of Bank Indonesia. 11 / 19 / KEP.GBI/2009 dated 17 April 2009, Bank Indonesia decided to revoke the business license of PT. Bank ifi. Business license revocation is done in accordance with the mechanisms and procedures in Bank Indonesia Regulation (PBI) No.6/9/PBI/2004 On 26 March 2004 Information About Supervision and Follow-Determination's Bank, which was modified last time with PBI No.10/27 / PBI/2008 dated 30 October 2008.

Bank Indonesia has been long enough to do some steps Penyehatan appropriate control procedures that apply, including the request of Shareholders Control (PSP) to increase the capital and maintain liquidity bank. However, the bank does not successfully run the program Penyehatan Required. Thus the cancellation is done with the permission of the consideration to avoid a greater loss and protect the interests of customers.

Furthermore, based on Law No. 7 of 1992 as amended by Act 10 of 1998 and the Banking Act No.24 of 2004 regarding institution of savings (LPS), the settlement of obligations of PT. Ifi bank depositor funds to the client / creditor will be conducted by LPS according to regulations. Therefore, customers are asked to be quiet and still contact the office of PT. Ifi bank for more information.

Related to the settlement of customer savings, LPS akan perform reconciliation and deposit verification client to determine the deposit is paid and is not feasible feasible paid. Reconciliation and verification is, LPS will be completed at the latest within 90 working days of the date of revocation of bank licenses. Furthermore, the implementation of the payment that is determined as eligible to pay the deposit will be made by LPS with the following mechanism:

1. Payments made by the appointed paying bank through LPS-office branches nearest office of PT. Ifi Bank to facilitate customers / creditors to receive payment of funds simpanannya.
2. To facilitate the implementation of the payment, saving the customer funds and other creditors are required to bring documents or evidence of ownership of funds accompanied by the identification form of ID, driver's license or other identity.
3. LPS will soon announce the time of payment.

PT employees. Ifi Bank is expected to help keep the process of handling the customers at the bank conducted by LPS.

Source of Public Relations of Bank Indonesia
Press Release www.bi.go.id

History of Islamic banking

Classical Islamic banking

Main article: Islamic economics in the world
Further information: Early reforms under Islam

During the Islamic Golden Age, early forms of proto-capitalism and free markets were present in the Caliphate, where an early market economy and an early form of mercantilism were developed between the 8th-12th centuries, which some refer to as "Islamic capitalism". A vigorous monetary economy was created on the basis of the expanding levels of circulation of a stable high-value currency (the dinar ) and the integration of monetary areas that were previously independent.

A number of innovative concepts and techniques were introduced in early Islamic banking, including bills of exchange, the first forms of partnership (mufawada) such as limited partnerships (mudaraba), and the earliest forms of capital (al-mal), capital accumulation ( nama al-mal), cheques, promissory notes, trusts (see Waqf), startup companies, transactional accounts, loaning, ledgers and assignments. Organizational enterprises similar to corporations independent from the state also existed in the medieval Islamic world, while the agency institution was also introduced. Many of these early capitalist concepts were adopted and further advanced in medieval Europe from the 13th century onwards.

Riba

The definition of riba in classical Islamic jurisprudence was "surplus value without counterpart." or "to ensure equivalency in real value" and that "numerical value was immaterial." During this period, gold and silver currencies were the benchmark metals that defined the value of all other materials being traded. Applying interest to the benchmark itself (ex natura sua) made no logical sense as its value remained constant relative to all other materials: these metals could be added to but not created (from nothing).
Applying interest was acceptable under some circumstances. Currencies that were based on guarantees by a government to honor the stated value (i.e. fiat currency) or based on other materials such as paper or base metals were allowed to have interest applied to them.[When base metal currencies were first introduced in the Islamic world, no jurist ever thought that "paying a debt in a higher number of units of this fiat money was riba" as they were concerned with the real value of money (determined by weight only) rather than the numerical value. For example, it was acceptable for a loan of 1000 gold dinars to be paid back as 1050 dinars of equal aggregate weight (i.e., the value in terms of weight had to be same because all makes of coins did not carry exactly similar weight).

Modern Islamic banking

The first modern experiment with Islamic banking was undertaken in Egypt under cover without projecting an Islamic image—for fear of being seen as a manifestation of Islamic fundamentalism that was anathema to the political regime. The pioneering effort, led by Ahmad Elnaggar, took the form of a savings bank based on profit-sharing in the Egyptian town of Mit Ghamr in 1963. This experiment lasted until 1967 (Ready 1981), by which time there were nine such banks in the country.

In 1972, the Mit Ghamr Savings project became part of Nasr Social Bank which, till date, is still in business in Egypt. In 1975, the Islamic Development Bank was set-up with the mission to provide funding to projects in the member countries. The first modern commercial Islamic bank, Dubai Islamic Bank, opened its doors in 1975. In the early years, the products offered were basic and strongly founded on conventional banking products, but in the last few years the industry is starting to see strong development in new products and services.

Islamic Banking is growing at a rate of 10-15% per year and with signs of consistent future growth. Islamic banks have more than 300 institutions spread over 51 countries, plus an additional 250 mutual funds that comply with the Islamic principles. The relative stability of Islamic banking institutions in current recession has gained it attention. Even The Vatican said banks should look at the rules of Islamic finance to restore confidence amongst their clients at a time of global economic crisis.

Original Article on wikipedia

Micro Banking Credit Officer

Duties and Responsibilities

• Registration application forms credit application
• To process a credit in accordance with the Credit Policy
• Investigations negative information potential borrowers
• Make recommendations for analysis and credit approval
• Obeying Procedures and Policies that apply

Education

• Minimum D3 graduates of all majors

Competence

• Experience at least 2 years working as a Marketing Analyst in the credit or BPR or Bank or other Financial Institutions
• Have high integrity
• Of the local language and able to build relationships with the community
• Having good communication skills and a thorough
• An analysis of how to think of good

Micro Banking Teller & Customer Service

Employees who are responsible to provide services to customers and handle transaction processing in both the branch and in the place where customers and do cross selling to customers.

Duties and Responsibilities

• Responsible for opening up the account, customer account closure
• Serving customers in conducting transactions in cash and non cash with both true and appropriate conditions
• Conducting matching (reconciliation) and ensure that all transactions in accordance with the evidence of the transaction
• Cross selling and service excellence to run
• Creating daily reports
  

Education

• Minimal D3 graduates from All departments

Competence

• Diutamakan experience as a cashier or teller for 1 year
• Capable of working with the team
• Have a commitment to achieving quality
• Ability to follow instructions and procedures and regulations that have
• Ability to provide services in a precise and efficient

Micro banking Operation Officer (OO)

Responsible for operational activities in the unit / branch and the control and supervision functions of the teller and security Assisting the branch manager / Unit Manager in the implementation of the annual work plan, operational plan and service compliance with the rules and control and run and follow the work plan is

Duties and Responsibilities

• Responsible for full operation in the branch and can help provide solutions to operational problems and to monitor its
• Conducting daily inspections and maintenance reports for the CIF, of accounts, reporting, BI, Line Of Business, customer verification, Balance Sheet, Profit Loss, Rek Broker.
• Responsible on the liquidity flow in the branch, Test Key, filling the building and maintenance documents.
• Make registration and is responsible for the existence of inventory and office stationery office , and the valuable message that is in the branch

Education

• Minimum S1 from all departments

Competence

• Minimum 3 years experience in the field of banking
• Be able and capable of working in a team
• Able to supervision
• Understanding and understand the function of Operation Support businesses that support the Bank
• Knowing the system and operational procedures banking
• Can these issues, make decisions and avoid high risk
• Always think the interests of our customers better, "Customer Oriented"
• Understanding banking system development process
• Understanding the standard Bank policies

Micro Banking Branch Manager

Branch leaders who bertanggungawab to target business, operational process, service to customers and quality of credit portfolio.

Duties and Responsibilities

• Duty to lead a unit or branch
• Responsible for the portfolio with the branch's target customer sector
• Small micro and medium (MSMEs) in the area around the branch.
• Responsible for all operational activities of the process: managing the budget, responsible for infrastructure and maintenance as well as responsible for the creation of reports and branches.
• Responsible for the recommendation and keputtusan credit.
• Monitoring and mensupervisi marketing team in the application, target achievement, relationships with customers and a smooth customer installment payments.
• Develop a network with the local community against the company / bank

Education

* Minimal S1 graduates from all majors


Competence

* Minimum of 3 years on the same field of SME, cooperative, or BPR
* Have experience of marketing
* Have high integrity
* The soul of leadership
* Orientation target
* Spirit and Creative

Why Micro Banking UMKM so interesting for Investor

Indonesia is a developing country, but the biggest supporters of this nation's economy is on the small business sector, micro and medium (MSMEs) but it seems the government does not see and less concerned with the sector. campaign so much effort in this sector and improve the program - poverty reduction program based MSMEs, but the campaign is just a campaign, which was then fade and disappear after the economic climate began to change.

Communities themselves as less concerned with the government programs and thus seemed to take advantage of the opportunity that is too narrow, in the members and program participants only to get a capital injection and then fled without paying with a variety of reasons. This is because of the government it self is not and has not been able to control this sector.

In 1998 when the dash Indonesian monetary crisis, the banking sector was down so many banks have liquidation and put into the Badan Penyehatan Perbankan Nasional (BPPN). Another case with Banks and financial institutions in the small business sector, micro and medium (MSMEs) and the Bank also focused on such as BRI Micro Banking, BPR and Koperasi. Even if the financial crisis they jump and stand still does not feel as if they even still wash benefits.

In 2004 when the Bank Danamon enter this segment through the micro banking Danamon Simpan Pinjam (DSP) of the many business and banking pessimistic on the ability of DSP to be able survive more than 3 years. However, after 3 years running, input and assumptions have been changed 180 º by Djemi Suhenda, not only able to survive but the DSP has been developing rapidly over 15% market share and Micro Banking UMKM main competitor was the most frightening BRI throughout history.
How does not, the DSP is in the loan ceiling to the customer so many BRI customers moving into the DSP customers, in addition to the BRI never predict the strength of DSP will be developed so rapidly become competitors in the micro sector.

The most interesting for investors, of course, profit and profit ... Look how much profit in the illicit BRI's microfinance sector and also the segment of the Danamon for Segment DSP. The profit before tax (Net Performance Before Tax) is arouse investor. This is due in 1 year a branch micro banking can provide benefits before tax up to 1 billion. If we can imagine the amount of more than 500 branches then we can also count the all benefits.

In fact, many branches of benefit or profit is 1 billion after the consolidation process and also charged after tax (NPAT = Net Performance After Tax). Do you interesting to invest ....

Micro banking, who and how

Micro Banking is a business segment of the banking sector to serve more small business market, micro and medium (MSMEs), the opportunity is still very big on this segment to make foreign and local investors are interested to be able to enter and compete in order to benefit most from the sector.

Micro Banking in Indonesia is dominated by one of the government, namely the Bank of Bank Rakyat Indonesia (BRI) of the market sector MSMEs ± 30%, ± 5% followed by some of the BPR, Koperasi and Baitul Malwat Tanwil (BMT). So long ± 65% market share MSMEs sector does not doing with maximum by private or government.

Some of the Bank of the Government and the private sector has been trying to enter the market, but the trip when the constraints, they fail as Bank Mandiri, BNI and Bank Danamon. Then in 2004 one of the private banks namely Bank Danamon try again to enter this market. Danamon launched Micro Banking Segment with the name Danamon Simpan Pinjam, or better known as the DSP in the community, led by Djemi Suhenda.

Year 2008, the pop - new players in micro banking sector, among others Bank Mega with Mega Mitra Syariah (M2S), Bank Panin, Bank BTPN and several other banks. Including Bank Mandiri, also start again on Micro banking sector. Not only that, many players who will participate in the world such as Micro Banking like CIMB Niaga and more ...we wait ....

Islamic Economic Not only Sharia Bank

Phenomenon sharia banking in Indonesia and other financial institutions have sharia deliver understanding of the Muslims of Indonesia in the Islamic economic institutions. Known before the sharia banking institutions, the knowledge of the problem is still shaped theoretical study on the implementation of the economic possibilities exist in the Islamic financial institutions. Questions that arise is how the model of Islamic economic institutions? In what form of Islam that institutional economics? Row and many questions relating to the financial institution that sharia essentially ask whether the possible economic institution Islam in a modern financial institution, such as banking or other financial institutions?

The answer is possible and can, even though the reality we charged through the process of Islamization of the way many modern financial institutions that its findings is the result of the capitalist West-and the vehicle for them to successfully realize the ideals of a global economic empire. Islamization is a choice selection of the "bitter pill" because we have seen can not find the institution of sharia finance exactly the genuine from the Al-Quran and As-Sunnah. As a result, we will follow a little more with the model of financial institutions that offered by the Western-capitalist, and even seemed to find the slit does not sink to the condition which is considered not in accordance with Islamic sharia.

In some cases the emergence of financial institutions in Indonesia such sharia’s banking has an important meaning for the economic development of Islam in the future. The emergence of sharia financial institutions in Indonesia at this time is a phase of economic boom in Islamic institutions. Many sharia banking, insurance and sharia financial institutions bringing name appear like mushrooms sharia in the rainy season. In fact, there is an assumption that does not follow up a sharia financial institutions or at least open the way to the business unit is considered not to follow sharia trend of the present and will be left by Muslims and not acknowledged islamic in economy.

However, note that our awareness is the understanding that a akan economic Islam is not only monopolized by the sharia banking, cooperative financial institution, or sharia finance’s other. This is because the paradigm is while people still assume that when talking about the economy directly orientasinya Islam is to the existence of financial institutions that sharia manifestation exist in banking or insurances sharia. Essentially, economics is the Islamic banking and sharia insurances. Paradigm that is not all wrong, but there needs to be straightened in it. That the economy is not only Islamic banking and sharia insurances. Instead, banking and insurances sharia flakes is a small economy of the Islamic financial institutions in sharia.

More broadly, the economic understanding of Islam is from the teachings of Islam itself from the Al-Quran and As-Sunnah. Many paragraph Al-Quran and As-Sunnah that has been providing guidance to us to make economic activities. At the micro level, economic activity Islam can also be applied to the life of the household. Basic principles in Islamic economics to build a foundation in life and settle down in order to meet the needs of family life. Teachings about living a simple and not over-apply and not wasteful is a small part of Islamic teachings that contain the economy. On the other hand, the principle of life that provides guidelines on the teachings of "Fast is better than the debt" is a reflection of the economic value of Islam.

In the picture above the two can complement each other. First, the implementation of Islamic economics in the macro-level institutional model with sharia banking and other financial institutions sharia as a reference implementation. Second, the implementation of Islamic economics in the micro-level family in a way on economic values of the Al-Quran and As-Sunnah to be implemented in the life of him, and form. If both are running simultaneously means that the coverage on the micro and macro scale can be realized in a real implementation. The problem now is how to measure the level of involvement of Muslims in implementing the economic values of Islam in the Al-Quran and As-Sunnah in the micro-family level or the macro-institutional arrangements. A great job and a challenging project if the research was serious about it. Currently, there is no clear picture about the "map" the involvement of Muslims in Indonesia the Islamic sharia is empty on economic behavior.

Reality in our society, Indonesian Muslims have to give serious attention to the consistency in implementing the teachings of Islam even though still not perfect. Special problems in the economy, the practice of simple life and not excessive scenes that have become typical in the life of Indonesian society, especially in rural areas. They recruit their lives with the natural wealth of the surrounding environment. Not excessive if they show as a family living in homely and feel a quiet life with the way with other people. Atmosphere such as this life was built on the basis of the awareness to find Ridha Allah SWT. oriented and always to pursue the gift that has been previously prepared by Allah SWT. for the nature of human life in this world. Portrait of life as mentioned above is one of the serpihan economy of the implementation of Islamic teachings that have been institution to him in life and form.

On the other hand, the value of moral teachings for containing the "fast of the debt" is a flakes of behavior in implementing the teachings of Islam that have economic importance to the fulfillment of him, and form a state. Moral teachings are very simple and simple but have great implications for human life both at the micro scale and on the macro scale. Implementation of the teachings to "fast from the debt" contains implicit value that we always put the spirit and the spirit of self is based on strength alone does not hang out with other people in power with the help and expect help if when a lack of economic experience. Moral values is to provide lessons for us all to be in the condition where we lack economic experience, to get "fast" is something better than we have to "owe" to the other party. In the cases such as this, short of the needs of our economy is put in a certain limit with how to run fast and try to explore with the lack of trying entrepreneurship, either through their own efforts or with the work of others.

Perception that is not true at all of this tradition is "debt" has become something of glory, has even become a trend for the new model of development that are encouraged in this Republic. Not only private sector employers who have less well this tradition, but the government itself provides an example regarding the vulgar practice of debt to some donor countries. Data each year in income and expenditure account the state ensure that from the help (read: debt) overseas. This illustrates that the economy can not at this time of winding throw away foreign debt. A description of the population live financed from debt. Very tragic and grievous. This issue will unravel if there is a courage of shareholder and stockholder of this country to take the decision to take "fast" with both government and residents. It is time for us now is "fast" and not with the "debt" in the future based on the ability and strength in the country. Therefore the delivery of necessary information to a broad community to get "fast" rather than "debt". When you need to have a national movement as a whole fasting together the elements of the nation. If this is done, the economic value flakes Islamic moral can be implemented in real life.

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Reality on the need to realize that with the Islamic economy have a broad scope, not just the macro-scale model of the banking institution with sharia, or cooperative insurances sharia, but the further implementation of the Islamic economy can be done through awareness of the behavior of individuals in the family to implement the teachings of Islam kaffah, especially related to economic values. Islamic economics can growing of family environment with the way the teachings of Islam itself. This is a point that diferent between the Islamic economic concept with the conventional economic concept, both capitalist and socialist. In the teachings of Islam, Islamic economics in the conduct of daily life have a meaning also run Islam itself, because the source was made in implementing the economic basis of Islam is the religion of Islam with the Al-Quran and As-Sunnah as the primary reference. Economy is in the conventional (read: capitalist and socialist) are release moral values and does not have any references that such economic authentic Islam. Wallahu 'natural shawab bus.

Article AM. Hasan Ali, MA. (Staff Pengkaji PKES) in www.pkesinteraktif.com