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CHAPTER II COMPANY DESCRIPTION 2.1

Company History At the beginning, Bank Rakyat Indonesia (BRI) was established on

December, 16 th 1895, in Purwokerto, Central Java by Raden Aria Wirjaatmadja. At that time it was called “Hulp-en Spaar Bank der Inlandsche Bestuurs Ambtenaren which means The Aid Savings Bank Belonging to the Indonesian Upper Class. This company has already experienced in changing the name for several times, such as De Poerwokertosche Hulp Spaar-en Landbouw Credetbank (1897) which was known by society as VolksBank (bank rakyat), Centrale Kas Voor Het Volkscredietwezen (1912). Then, it changed into Algameene Volkscreditbank (AVB) in 1934 which on Japan’s colonization area (1942) was called Syomin Ginko. In the period before the independence of the Republic of Indonesia, based on peraturan pemerintah No. 1 tahun 1946 pasal 1, BRI was the first government bank in Republic of Indonesia. In the war to defend Indonesia’s independence in 1948, BRI’s activities was stopped for a while and it began to be active again after the Renville Agreement in 1949. Then, BRI changed name into Bank Rakyat Indonesia Serikat. In 1960, Bank Koperasi Tani dan Nelayan (BKTN) was formed. It was the merger of BRI, Bank Tani Nelayan and Nederlandsche

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Maatschappij (NHM). Later, according to Penetapan Presiden (penpres) No. 9 tahun 1965, BKTN was integrated into Bank Rakyat Indonesia called Bank Indonesia Urusan Koperasi Tani dan Nelayan. Based on Undang – Undang No. 14 tahun 1967 about Banking Main Regulations and Undang – Undang No. 13 tahun 1968 about Central Bank Regulations, Bank Indonesia returned to function as central bank. Then, Bank Negara Indonesia Second Unit Rural and Export-Import Category was divided into two banks, Bank Rakyat Indonesia and Bank Export-Import Indonesia. After that, BRI’s main tasks as general bank was redetermined in 1968. Since August 1st, 1992 according to Undang – Undang perbankan No.7 tahun 1992 and Peraturan Pemerintah RI No. 21 tahun 1992, BRI’s status was changed into PT. Bank Rakyat Indonesia (Persero) in which 100% of its shares still belonged to the government. Along with the rapid development of banking world today. Bank Rakyat Indonesia has had 4.447 working units which consist of 1 BRI head office, 12 Regional Offices, 12 Inspectorate Offices, 170 Branch Offices, 145 Sub Branch Offices, 1 Special Branch Office, , 1 New York Agency, 1 Caymand Island Agency, 1 Hongkong Representative Office, 40 Cash Payment Offices, 6 Bank Car Officers, 3.705 BRI UNITS and 357 Rural Service Posts.

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The Product

2.2.1 Saving Account A. BRITAMA This is a kind of saving account in which the deposits and withdrawals can be made anytime. It also offers unlimited withdrawals as long as the balance is enough and applicable to the terms and the condition. B. SIMPEDES SIMPEDES is Simpanan Pedesaan or Rural Savings which is available at BRI unit that provides Simpedes. It can be deposited anytime and the withdrawal frequency is not limited as long as the amount of money in the account is adequate. C. Tabungan Haji BRI (Haji saving) Tabungan Haji BRI is a savings for individual to prepare Biaya Penyelenggaraan Ibadah Haji (BPIH).

2.2.2 Loan A loan is an arrangement in which a lender gives money or property to a borrower and the borrower agrees to return the property or repay the money, usually with interest, at some future points in time. Usually, there is a predetermined time for repaying a loan, and generally the lender has to bear the risk that the borrower

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may not repay a loan (though modern capital markets have developed many ways of managing the risk) (on line). A. KUPEDES KUPEDES is a credit facility provided by the BRI Unit to develop or improve small businesses, limited credit maximum is 100.000.000. B. KPR (Kredit Kepemilikan Rumah) KPR is a facility provided for the purchase of BRI homes, home construction, and home remodeling. Make dream house with easy, fast and affordable.

2.2.3 Term Deposit A. Deposito BRI Rupiah BRI Rupiah deposit is an account in rupiah currency issued by BRI whose withdrawal only can be done within a certain period. B. Deposito BRI Valas BRI Valas Deposit is an account in foreign currency whose withdrawal can only be done within a certain period.

2.2.4 Other Account Giro (Clearing)

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This is a saving account in which the withdrawal can be done anytime using cheque or bilyet giro. The customers can have interesting and competitive clearing services. A. Giro BRI Rupiah Giro BRI Rupiah is an account in rupiah currency whose withdrawal can be done at any time by using bilyet giro or other withdrawal of the warrant. B. Giro BRI Valas Giro BRI Valas is an account in foreign currency whose withdrawal can be done at any time by the account holder.

2.2.5 Online Transaction BRI also provides facilities for its customers. For example, online transaction. Online Transaction is a transaction between branch offices. is an online service of deposit and withdrawal between accounts that can be done in all BRI branch offices.

2.2.6 Western Union One of the way to send money through Western Union Money Transfer someone can send money anywhere within the world in 15 minutes. Every money transfer is protected by an international standard security system and verified by a transfer code. Western Union uses the most advanced electronic technology and computer network which serve money transfer quickly in more than 190 countries

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in the world. Western Union has more than 200.000 agents all over the world and BRI as a Western Union agent in Indonesia gives prime service to Western Union’s customers in all big and small cities in Indonesia.

2.2.7 Other facilities  ATM BRI (Automatic Teller Machine)  Traveller’s Cheque or CepeBRI (cek perjalanan BRI)  Money Transfer  Money Changer  SMS Banking  Safe Deposit Box  Payment of Telephone, Electricity, and Tax

2.3 Vision and Mission Vision : Bank Rakyat Indonesia’s vision is to become a leading commercial bank that always prioritizes customer satisfaction. Missions

:

To achieve the vision, BRI has decided on three missions that have to be undertaken, namely: 1. BRI provides the best banking operation by prioritizing services for Micro, Small, and Medium Businesses in order to support people’s economy

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2. BRI offers services to customers through a network that are spread all over Indonesia and supported by professional human resources who implement the Good Corporate Governance practices 3. BRI creates values and produce optimal benefits to all stakeholders 4. BRI provides excellent service to the customer through wide network and professional human resources applying good corporate governance.

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ORGANIZATION CHART

Branch Manager

Operational Manager

Operational Manager Assistant

Fund and Service Supervisor Customer Service

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2.4 Jobs and Responsibilities 1. Branch Manager Branch Manager in BRI has responsibilities to : 

Manage all division of the bank.



Conduct skill, ability, and manner training to all employees.



Conduct financial audit from internal or external side of BRI.

2. Operational Manager Operational Manager in BRI has responsibilities to : 

Check whether all cash bookkeeping and account, clearing, and reports are valid.



Check whether all external and internal reports are made and finished.

3. Assistant Operational Manager Assistant Operational Manager in BRI has responsibilities to : 

Control working excellence of the costumer service staff.



Monitor the efficiency in giving services to the costumer.

4. Fund and Service Supervisor Fund and Service in BRI has responsibilities to : 

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Directly control and supervise customer service staff.

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Handle with the customer itself directly when the Customer Service staff cannot handle or out of t authority.



Be responsible to the Assistant Operational Manager about servicing the Customer.

5. Costumer Service Staff Customer Service Staff in BRI has responsibilities to : 

Serve the costumers as good as possibly by giving authentic, accurate,

reliable

information,

and

also

by

maintaining

confidentiality. 

Help the customers in making the banking transactions, and handle the customers’ complaints by giving the best solution.

2.5 Location  BRI BRANCH OFFICE Address

: JL. Jend. Achmad Yani No. 35 Sidoarjo

Zip Code

: 61252

Telephone

: (031) 8921010

Fax

: (031) 8941065

Website

: www.bri.co.id

 BRI UNIT OFFICE Address

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: JL. Raya Juanda No. 30 Sedati

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Zip Code

: 61253

Telephone

: (031) 8667343

Fax

: (031) 8667343

Website

: www.bri.co.id

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