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Internship Report - Yusuf Ahmad EN S-18101041 - Revision 2
Internship Report - Yusuf Ahmad EN S-18101041 - Revision 2
Internship Report - Yusuf Ahmad EN S-18101041 - Revision 2
REPORTED BY
YUSUF AHMAD EN
NIM. S.1810.1041
INTERNSHIP REPORT
Structured to complete the graduation requirements on the
Sharia Business Management Study Program
Faculty of Sharia Economics and Business
Tazkia Islamic Institute
Bogor
YUSUFAHMAD E N
NIM S.1810.1041
ii
INTERNSHIP AUNTHENTICITY
REPORT
STATEMENT
Bogor, 6 December
2021
Who Stated,
Yusuf Ahmad EN
S.1810.10341
iii
SUPERVISOR APPROVAL
Bogor, 6 December
2021
Supervisor,
iv
PUBLICATION APPROVAL STATEMENT PAGE FOR
ACADEMIC
For the Sake of Science Development, agreed to grant IAI Tazkia the
Non Exclusive Royalty-free right on my internship report entitled:
Bogor, 6
December 2021
Who states,
Yusuf Ahmad EN
NIM.S.1810.1041
v
GUIDELINES FOR
TRANSLITERATION OF ARABS -
INDONESIA
Note:
1. Consonants are syaddah written in double, as the word َر َّب َنا,written =
"Rabbana"
2. Long vowels (madd) fathah (row above), kasrah (line below) and
dhammah (line in front), write â, î, û, e.g. the word:
المساكينwritten: al-Masakin
المفلحونwritten: al-muflihûn
3. Ditulis: = أوau, = أوu, = أيai, = أيî
4. Alif dan lam ( ال,(diikuti dengan huruf Syamsiyah atau Qamariyah, ditulis "al"
pada awalnya, misalnya: النساءditulis: an-nisa المؤمنditulis: al-Mu'min
5. Ta' almarbuthah ketika terletak di akhir kalimat ditulis: h, seperti البقرةditulis: al-
Baqarah. Ketika terletak di tengah kalimat, ditulis "t", misalnya زكاة المالditulis:
Al-mal Zakat.
vi
PREFACE
Alhamdulillah, all praise for Allah swt who has given the blessings of
faith, islamic favors and health blessings so that the author can complete the
internship report well, do not forget also the blessings and greetings we pour
out to him prophet Muhammad (peace be upon him) who has brought us from
the time of ignorance to the present day like this.
The arrangement of this internship report is also inseparable from the
support, guidance, and prayers from both parents, family, teachers, friends,
and friends so that it can be resolved properly. For that, the author thanked
him very much to:
1. ALLAH SWT which has given the author favors in the form of health and
smoothness during preparation so that the author is able to complete the
process in this internship report.
2. Both parents of the author, father Novan Ade Cahyadi and Ibunda
khusnul khotimah who have supported and always prayed and facilitated
in order to carry out their duties properly. May Allah (SWT) repay the
kindness of both parents, aamiiin. Do not forget the beloved family who
always give encouragement.
3. Bpk. Firman Syah as Branch Manager of PT. Bank Syariah Indonesia
Bogor branch Ahmad Yani who has given writers the opportunity to do
internships at BSI, as well as provide direction and advice for writers.
4. R Dina Arfiana as Consumer Syaria Executive who has guided and always
gives encouragement to the author. Do not forget all staff and employees of
PT. Bank Syariah Indonesia Bogor Branch Ahmad Yani who has guided
and taught writers during his internship at BSI.
5. Dr. Murniati Mukhlisin, M.Acc. As rector of the Tazkia Islamic University
College
vii
6. Mr. Thuba Jazil, M.Sc.(Fin) as an internship supervisor and as the head of
the Sharia Business Management Study Program of the Tazkia Islamic
University College , with his patience and prayers for the smooth running
of this report.
7. Thank you to the interns in one department, especially to Aqilla, Erina,
Firsta, Yuda, Aufa, and Mirza. Who is always supportive and motivating
in working on internship reports.
8. As well as all those who have contributed and prayed for writers who
cannot be mentioned one by one Jazakallahu khairon katsiron.
For all the guidance and assistance and good cooperation that has been
given during the author's internship and the creation of this internship report.
Thank you very much and may Allah swt repay all his kindness, Aamiiin.
Yusuf Ahmad EN
NIM. S.1810.1041
8
TABLE OF CONTENT
9
7.1.1 Operating a printer........................................................................................38
4.2. Relationship of internship activities with courses in lectures..........................39
4.3. Challenges From Activities Undertaken in the Internship..............................39
4.4. Internship Activities That Can be Mindset......................................................40
Table 1 JOB DESCRIPTION WITH THE PRACTICE............................................41
CHAPTER V..............................................................................................................43
CLOSING...................................................................................................................43
5.1. Conclusion........................................................................................................43
5.2. Recommendation..............................................................................................44
BIBLIOGHRAPHY....................................................................................................45
ATTACHMENT.........................................................................................................46
ATTACHMENT 1. ATTENDANCE INTERNSHIP PROGRAM.............................46
ATTACHMENT 2. NEWS REPORT OF INTERNSHIP..........................................50
LAMPIRAN 3 DOKUMENTASI FOTO KEGIATAN MAGANG.............................51
WRITTER’S CV........................................................................................................52
10
LIST OF FIGURES
Figure 1. COMPANY LOGO
Figure 2. STRUCTURE ORGANISATION BSI
Figure 3. STRUCTURE BSI BRANCH AHMAD YANI
Table 1 JOB DESCRIPTION WITH THE PRACTICE…………………………….42
11
ATTACMENT LIST
ATTACHMENT
ATTACHMENT 1. ATTENDECE OF INTERNSHIP
ATTACHMENT 2. NEWS REPORT OF INTERNSHIP
ATTACHMENT 3 DOCUMENTATION OF INTERNSHIP ACTIVITIES
WRITTERS’S CV
12
CHAPTER1
INTRODUCTION
13
With some consideration, here the author chose a place of practice.
fieldwork that is suitable and in accordance with the major is also beneficial
for the author. Therefore, the author chooses to practice internships at PT.
Islamic Bank Indonesia (BSI) Bogor Branch Office Ahmad Yani. The Islamic
Bank of Indonesia is one of the largest banks running the Shariah system in
Indonesia. One reason the author made PT. Bank Syariah Indonesia as a
practice internship location is to train and find out how prepared the author is
in It's the world of work. The author also hopes that the practice of internships
can be developing insights also improves the quality of the author in order to
become better personal
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CHAPTER II
OVERVIEW OF INTERNSHIPS
15
2.2. History of the Establishment of Islamic Bank Indonesia
President Director of PT Bank Syariah Indonesia Tbk. Hery Gunardi in
his report said that the integration and increase in the value of Himbara Sharia
Bank was reached since the beginning of March 2020, taking about 11 months.
In that period, all processes and series such as the signing of a deed of
incorporation or merger, submission of information disclosure, and the
acquisition of permission from OJK have been running well and in accordance
with the provisions.
2016, The Financial Services Authority prepares a roadmap or
roadmap for the development of Islamic Finance.
2019, The Financial Services Authority (OJK) encourages Sharia
Banks and government-owned Sharia business units to consolidate or
merge banks. Among them ARE PT Bank Syarih Mandiri, PT Bank
BNI Syariah, PT Bank BRI Syariah, Sharia Business Unit, PT Bank
Tabungan Negara (PERSERO) Tbk.
2 Juli 2020, Minister of State-Owned Enterprises Erick Thohir plans
to merge state-owned Islamic Banks namely BRI Syariah, BNI
Syariah, BTN Syariah, and Mandiri Syariah.
Oktober 2020, The government officially announced the planned
merger of Islamic banks from three Himbara banks namely Mandiri
Syariah, BNI Syariah, and BRI Syariah.
11 Desember 2020, The consolidation of Himbara Islamic bank
established the name of the company resulting from the merger to PT
Bank Syariah Indonesia Tbk.
27 Januari 2021, OJK officially issued a business merger permit of
three Islamic banks. The letter was issued under the number
SR-3/PB.1/2021
1 Februari 2021, President Jokowi inaugurated PT Bank Syariah
Indonesia Tbk or Bank Syariah Indonesia (BSI)
16
2.3. History of Bank Syariah Indonesia
Indonesia, the world's largest Muslim country, has the potential to be
at the forefront of the Islamic finance industry. Increasing public awareness of
halal matter as well as strong stakeholder support, are important factors in the
development of the halal industry ecosystem in Indonesia. It includes a Sharia
bank.
Islamic banks play an important role as facilitators of all economic
activity in the halal industry ecosystem. The existence of the Islamic banking
industry in Indonesia itself has experienced a significant increase and
development in the past three decades. Product innovation, service
improvement, and network development show positive trends from year to
year. In fact, the spirit to accelerate is also reflected in the number of Islamic
Banks that carry out corporate action. No exception with Bank Syariah owned
by State-Owned Bank, namely Bank Syariah Mandiri, BNI Syariah, and BRI
Syariah.
The merger of the three Islamic Banks is an effort to give birth to the
Islamic Bank of pride of the ummah, which is expected to be a new energy of
national economic development and contribute to the welfare of the wider
community. The existence of Bank Syariah Indonesia is also a reflection of
the face of Islamic banking in Indonesia that is modern, universal, and
provides good for all nature (Rahmatan Lil ' Aalamiin).
2.4. Vision and Mission Bank Syariah Indonesia
Vision
Top 10 Global Islamic Bank
Mission
1. Provide access to Islamic financial solutions in Indonesia
2. Serving >20 million customers and becoming a top 5 bank by
assets (500+T) and a book value of 50 T in 2025
3. Become a large bank that provides the best value for
shareholders
4. Top 5 most profitable banks in Indonesia (ROE 18%) and
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strong valuation (PB>2)
5. To be the company of choice and pride of the best indonesian
talent Company with strong values and empower the
community and committed to the development of employees
with a performance-based culture.
18
2.6. Structure Organization Bank Syariah Indonesia
19
2.8. Organizational Structure of BSI Bogor Office Ahmad Yani
20
CHAPTER III
REVIEW OF INTERNSHIP SITUATION
3.1. Time and Place of Internship
This internship activity is carried out 40 working days starting from
July 12, 2021. This internship activity was held at PT Bank Syariah Indonesia
Bogor Ahmad Yani Branch Office, located at Jl.A.Yani No.19, RT.02/RW.02,
Tanah Cereal, Kec. Tanah Cereal, Bogor City, West Java. 16969.This internship
is held from Monday to Friday from 08.00 to 16.00 and there are no internships
for Saturdays and Sundays.
3.2. Method of implementation
KInternship activities at PT Bank Syariah Indonesia Bogor Ahmad
Yani Branch Office, this is guided by the Consumer Syaria Executive
division. The role of the intern supervisor who is in the bogor branch office
ahmad yani is as a facilitator and directs the author to carry out the work
properly. Internship activities are carried out in accordance with the
procedures and regulations of the company, these internship activities include:
1 Work Practice
The practice of internship work is done in the hope that interns can find
out what accounts are in Islamic Banks, as well as what Islamic Banks
do, especially in Bank Syariah Indonesia. Apart from that all interns only
help the performance of Bank Syariah Indonesia employees and the
activeness of interns in the job.
2 Interviews and observations
This interview was conducted to get information by consulting directly to
Bank Syariah Indonesia workers or even to the manager of Bank Syariah
Indonesia Bogor Branch Ahmad Yani in accordance with what topics
will be asked. While he observation itself is a direct observation of the
object to be studied.
21
and to collect the primary data that the author needs in accordance with
what is done during the internship.
3 Data recording
The data used is data results from interviews and observations during
this internship activity which then results to support the creation of the
final report of internship activities.
4 Documentation
This documentation method is also done to complete the internship
activities taking place with clear and true information and information
that is in accordance with the topic discussed.
3.3. Individual Product
1. Savings
BSI Business Savings
savings with mutlaqah mudharabah account in rupiah currency that can
facilitate transactions of the self-employed segment with a larger daily
transaction limit and free RTGS fee feature, SKN transfer and clearing
deposit entered through teller through internet banking
BSI Classic Savings
Form of investment funds to accommodate cash collateral / goodwill
deposits of customers at each issuance of Hasanah Card Classic
managed based on sharia principles with mudharabah agreement
Mudharabah savings
Rupiah withdrawals and deposits can be made at any time during cash
operating hours at the bank's office or through an ATM.
BSI Wadiah Savings
Savings in rupiah currency based on wadiah yad dhamanah principle
whose withdrawals and deposits can be made at any time during cash
operating hours at the bank office or through an
ATM BSI Junior Savings
Savings are intended for children and students under the age of 17 to
encourage a culture of saving early.
22
BSI Student Savings
Savings with wadiah agreements from students of Public Universities /
Private Universities (PTN / PTS) or employees / members of
companies / institutions / associations / professional organizations in
collaboration with the Bank
BSI Tabungan Payroll
Special Savings is a derivative product of Tab Wadiah / Mudharabah
Regular which is devoted to Payroll Customers and Migrant
Customers
23
BSI Student Savings Savings
3. Financing.
Bilateral Financing
Is a product / service / service provided by the Financial Institution team
to bank or non-bank financial institutions both domestic and
international.
BSI Cash collateral
Financing facilities guaranteed with liquid collateral, i.e. guaranteed
with Deposits in the form of Deposits, Current Accounts, or Savings
BSI Distributor Financing
Working Capital Financing with the Value Chain scheme is post
financing (bailout to pay in advance invoice for completed work) given
to suppliers who are special suppliers who work on work contracts with
24
bouwheer
25
where the source of return on financing is the payment of invoices from
bouwheers.
4. Investment
BSI Forex Deposits
Term investments managed with Mudharabah agreements shown to
individual and corporate customers in USD currency. Available for a
period of 1 month, 3 months, 6 months and 12 months
BSI Sharia Mutual Fund
Sharia mutual funds are containers used to collect funds from the
financier community as property owners. This fund is further invested
and managed in a portfolio of Sharia securities by the Investment
26
Manager, according to sharia provisions and not contrary to islamic
sharia principles.
Cash Waqf Linked Sukuk Retail (Sukuk Wakaf Retail)
Cash Waqf Linked Sukuk Retail (CWLS Retail) or Sukuk Wakaf series
SWR001 is an investment of waqf funds money in the sukuk of the
country that published by the government to facilitate Waqf in the
program of economic empowerment of the ummah and social activities
of the community.
Rupiah Deposits
Term investments managed with Mudharabah agreements aimed at individual
and corporate customers in rupiah. There are periods of 1 month, 3 months, 6
months and 12 months.
5. Transaction
BSI Giro Rupiah
Deposit funds from third parties managed by choice of Wadiah Yad
Dhamanah or Mudharabah Muthlaqah whose withdrawal can be made at
any time by using Debit, Cek, Bilyet Giro, other means of payment
orders or by book transfer to support individual and non-individual
business in rupiah.
BSI Forex Giro
Deposit funds from third parties managed with wadiah agreements whose
withdrawals can be made at any time by using Cheques, Bilyet Giro,
other means of payment orders or by book transfer to support
individual and non-individual business in forex currency.
6. Gold
BSI Gold Installment
What kind of gold can be financed? Gold lantakan (bars) with a
minimum number of grams is 10 grams.
BSI Gold Pawn
Gold pawn is a financing product on the basis of guarantees in the form
27
of gold as one of the alternatives to get cash quickly.
7. Business
Bank Guarantee Under Counter Guarantee
28
8. Priority
Priority BSI is an exclusive service with special facilities from Bank Syariah
Indonesia to selected individual customers
BSI Private is an exclusive service with special facilities from Bank Syariah
Indonesia made to individual customers who have an accumulative balance of
at least Rp5 Billion
Safe Deposite Box (SDB). It is a container of property or securities, placed
in a treasure room specially designed from steel. sturdy, unloading and fire
resistant to maintain the safety of stored goods and the comfort of its users.
1. Cash Management
CMS to provide digital solutions for corporate financial management safely
and easily in the new normal era. With the use of applications accessed
through the web portal or API integration, you can get account information and
conduct all types of financial transactions of your company. Transaction
services include transfers to partners or third parties at BSI banks or other
banks (online, SKN, RTGS), transfers to employees (payroll), Payment of tax
obligations and purchase of pertamina product , payment of thread bills and
other bills.
OPBS (SO/DO) Pertamina
BSI Pertamina Payment is a payment and acceptance service for pertamina
products. Together with Pertamina BSI comes with host to host
services to facilitate Pertamina partners / customers in ordering and or
payment of Pertamina products through BSI Cash Management
System and BSI Branch.
2. Treasury
Sukuk Transactions
Serving the needs of sharia securities transactions (sukuk): Sukuk Negara
Sukuk Corporate
Deposit On Call (DOC)
DOC is a deposit product with a certain amount with a minimum period of
1 (one) day up to 28 (twenty-eight) calendar days, with a yield rate that
refers to daily placement in Bank Indonesia. Akad used by
29
Mudharabah Mutlaqah
BSI Sharia Hedging
Bank Syariah Indonesia serves foreign exchange sales/purchase
transactions conducted in order to mitigate the risk of exchange rate
changes on certain currencies in the future. Akad used Aqd' al-Tahaww
al-basith and Al Sharf.
Foreign Exchange Transactions - General Foreign
Exchange/Telegraphic Transfer. Bank Syariah Indonesia serves foreign
exchange purchase/sales transactions in accordance with customer needs
with a certain time tenor. Today transactions for submission on the same
day, Tomorrow (Tom) transactions for submission after one business
day and Spot transactions for submission after two business days.
3. Digital banking
BSI Mobile
Open an Online Account
Gold Solutions
Emas savings & Pawn gold
BSI QRIS
Transaction Service by scanning QR Code code using QR Code Indonesia
Standard (QRIS) Bank Indonesia
BSI Cardless Withdrawal
Ease of withdrawing cash without a card. A practical solution for you in
making cash withdrawals without a card. Through BSI Mobile, cardless
cash withdrawals can be made at all ATM Bank Syariah Indonesia and
Indomaret.
30
BSI Debit Card
BSI Debit Card is an ATM card from Bank Syariah Indonesia that can be
used to transact at ATMs and EDC on GPN and International (Visa)
networks.
BSI Aisha
Aisyah is an Interactive Assistant of Bank Syariah Indonesia who will help
provide the latest product information, services and promos from Bank
Syariah Indonesia.
31
11. Monitor the implementation of anti-money laundering (APU) principles
12. Prevention of Terrorist Financing (PPT).
32
customers.
4. Review profiles, businesses, and collateral of prospective microfinance
customers.
5. Draft a proposal for the proposed financing of prospective customers
accurately and correctly in accordance with the provisions.
6. Run the entire microfinance process in accordance with the SLA and
applicable provisions.
7. Maintain good relationships with prospective customers / micro
customers.
8. Implementing the stabilization and quality control of microfinance
according to management.
4. Micro Staff
1. Running marketing activities & recommending products micro business
to prospective customers / customers.
2. Carry out the acquisition process of prospective microfinance
customers.
3. Follow up on microfinance submissions by prospective customers/
customers.
4. Review profiles, businesses, and collateral of prospective microfinance
customers.
5. Draft a proposal for the proposed financing of prospective customers
accurately and correctly in accordance with the provisions.
6. Run the entire microfinance process in accordance with the SLA and
applicable provisions.
7. Maintain good relations with prospective customers / micro business
customers using the principle of professionalism.
8. Implementing the stabilization and quality control of microfinance
according to management.
5. Business Manager
1. Ensuring the achievement of profit targets and business segment
performance financing and retail funds, FBI, and contribution margin
33
from the location In coordination.
2. Identify and explore business potential in locations within coordination
to increase the portfolio of financing, collection third-party funds,
improved quality of financing, increased revenue non-operational.
3. Signing PKS and MoU agencies, travel Umrah / dealer / gold store /
gold supplier in accordance with initiator and SK delegation of
pks/MoU signatory authority.
4. Maintain and improve the quality of financing.
5. Ensuring the implementation of all business activities and processes
meet the provisions and prudential.
6. Follow up on any audit findings (internal/external).
7. Analyze and review the performance goals of all subordinates.
8. Implementing know your customer (KYC) and anti-laundering
principles
Money (APU) and Prevention of Terrorist Financing (PPT).
34
7. Carry out other duties and responsibilities as stipulated in internal
provisions of the Bank, as well as fulfilling the principle of prudence,
sharia compliance and not contrary to GCG (Good Corporate)
Governance).
35
7. Manage financing operation service activities during the transition
period.
8. Manage and monitor customer analysis /service activities with
Implementation of Anti-Money Laundering and Prevention of Terrorism
Financing (APU-PPT).
9. Carry out other duties and responsibilities as stipulated in
internal provisions of the Bank, as well as fulfilling the principle of
prudence, sharia compliance and not contrary to GCG (Good Corporate
Governance).
10. Teller
1. Perform cash and non-cash transaction services based on customer
transaction needs.
2. Make cash management.
3. Check the money is worth the circulation and the money is not worth the
circulation
4. Make a report in accordance with the provisions of both internal parties
36
and external parties.
5. Implement the principles of Anti-Money Laundering (APU) and
Prevention Terrorist Financing (PPT).
6. Implement service standards in accordance with the provisions.
7. Carry out other duties and responsibilities as stipulated in
internal provisions of the Bank, as well as fulfilling the principle of
prudence, sharia compliance and not contrary to GCG (Good Corporate)
Governance).
11. Operational Staff
1. Conduct clearing transaction activities (SKNBI), outgoing transfer
transactions, clearing out, and entering in accordance with the applicable
provisions.
2. Carry out domestic transactions and other clearing (payroll, payment
point, the submission of forex transactions) in accordance with the
applicable provisions.
3. Making bookkeeping transactions, disbursement of financing, payment
for financing, costs and other bookkeeping.
4. Maintain the administration and documentation of all transactions.
5. Conduct an examination of the truth and fairness of the recording of
report finance.
6. Carry out insurance closing administration activities of all owned assets
bank.
7. Manage the storage and retrieval of collateral in a large safe in dual
custody with BOSM.
8. Provides assessment tools for quality test by BOSM against rust and the
weight of gold collateral.
9. Carry out other duties and responsibilities as provided
in the internal provisions of the Bank
12. General Affairs Staff
1. Manage general activities and other operational activities to run
smoothly and in accordance with the provisions.
2. Carry out all administrative, documentation and archiving activities in
37
accordance with the applicable provisions.
3. Manage branch office use, bookkeeping and small cash reporting daily
in accordance with applicable authorities.
4. Conduct staffing administration to support smooth staffing operations in
Branch Office.
5. Act as the first level to solve problems use of information technology in
related branch areas.
6. Carry out the procurement process of goods and services to support the
needs Branch Office, checking needs and providing facilities and
Branch Office operational support infrastructure.
7. Depreciation of office inventory book value and fixed assets
belongs to another office.
8. Conduct licensing management managed by branches.
9. Fulfilling reporting obligations in accordance with the applicable
regulations applicable (internal and external).
10. Checking the completeness and feasibility of the gold test equipment/
estimating facilities in Pawn Service Counter (KLG) reported to BOSM
2 (twice) times Month.
11. Carry out other duties and responsibilities as provided for in
internal provisions of the Bank.
12. Carry out other duties and responsibilities as stipulated in
internal provisions of the Bank, as well as fulfilling the principle of
prudence, sharia compliance and not contrary to GCG (Good Corporate
Governance).
During the internship activities starting from July 12, 2021 to September
13, 2021, the author was recorded as entering the internship activity was 32
days because the author was affected by covid 19 and the holiday policy of the
BSI office. The author conducted internships at PT Bank Syariah Indonesia
Bogor Branch Ahmad Yani. Bank Syariah Indonesia itself provides micro-
businesses, pensioners, deposits, Sharia priorities, migration programs, and so
on. Everything in Bank Syariah Indonesia is managed in accordance with their
38
respective jobdesk.
This internship is placed in the Financing Administration Support
section. The author's main task is to help the Financing Administration
Support section, which is to fill documents by separating customer data
between funding and financing. As well as inputting data, archives and scans
of documents to be uploaded in BSI system applications, namely SIFO.
CHAPTER IV
ACTIVITIES AND DISCUSSIONS
39
The author's main task is to help the Financing Administration Support
section, which is to fill documents by separating customer data between funding
and financing. As well as inputting data, archives and scans of documents to be
uploaded in BSI system applications, namely SIFO. The tasks given to the
practice during this internship are as follows:
4.1.1 Labeling Document
40
lost or damaged.
6.1.1 Indexing Document
After doing labeling and foldering work, another task that the author does
is Indexing Document. Indexing Document is an activity to input / enter data
- document data into computer memory for processing the completeness of
documents belonging to customers, which aims for archival purposes in PT.
Bank Syariah Indonesia (BSI).
The steps taken in the Indexing Document are as follows:
Retrieve one of the folders you want to input your data from the storage
cabinet or Stroong Room.
a) Adjust the physical document with the details of the document written in
the BAST (Handover Event News) letter in the folder.
b) Then create an indexing document into the computer using Microsoft
Excel. Indexing is done by recording all the numbers in each data - data in
the document. Examples such as letter numbers and dates, deed numbers,
note numbers, and so on.
c) Next store the file on the computer after the data is input into Computer using
Microsoft Excel.
d) Finally, save on the flashsdisk to be given to authorized outsourcing
employees to be processed to the head office of PT. Islamic Bank of
Indonesia.
7.1.1 Operating a printer
Printing press or commonly called Printer is used to print some documents
such as letters, paper notes, and as well as printing company name tags
to be pasted on the document folder. In addition, the printing machine
is also used to duplicate important documents in the office. Such as
Guarantee file, Financing Agreement file, Asurasnsi Policy, Certificate,
SP3, Memorandum of Financing Proposal, as well as ordinary paper
records and so on.
41
4.2. Relationship of internship activities with courses in lectures
In addition to internships conducted by the author. The author also gets
new lessons and knowledge, especially in terms of the world of work, whether the
theory that has been studied is in line or even not in accordance with the
practice.There is also one of the courses studied related to internship activities
practiced by writers at PT Bank Syariah Indonesia Bogor Branch Ahmad Yani is a
fiqh muamalah course. Activities directly related to the course are related to the
application of mudharabah, ijarah, wadiah agreements and all accounts used in
Islamic banking have been studied earlier in the lecture period.
42
time and opportunities. The author also gets other new experiences such as when
offering the best programs and products to customers of Bank Syariah Indonesia.
The author learns how to speak politely and of course. There the author feels
challenged because what the author offers is a flagship program in Bank Syariah
Indonesia.
In addition to experience in matters of work, the author also gained
experience that attitude is very important, not only in the organization, but also in
the world of work. How our attitude towards superiors and subordinates, remain
polite and wise, both towards others, does not discriminate against anyone
especially in terms of different incomes. Good manners must also be maintained
so that in the world of work we can still be harmonious and full of family.
Moreover. Thoroughness is also important especially in companies that are in the
world of finance. Honesty and honesty are very important.
4.5. Things to Prepare for in the Face of the World of Work
In the world of work, generally have several divisions in the company
with their respective positions with different tasks and functions.Human resources
itself is like a cog in a company that requires good and healthy competition. To be
able to compete universally, we should have a competition that is not often owned
by others who certainly stand out for us to prove the results to the company.
There is also added value for a person who can be seen from his soft
skills and hardskill. Soft skills themselves are skills or talents that exist in every
human being, and these skills are tried by non-technical methods or do not seem
to exist. Among soft skills is the skill in communicating with others.Both of these
things are very important for us to learn before jumping directly into the real
world of work. Because, a company will not carelessly accept new employees if it
does not have both skills. In addition, as someone who faces the world of work
must have high integrity to his work and show the advantages that make superiors
always need our contribution in advancing the company.
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Table 1 Job Description with The Practice
The job description above is not all writers do directly when doing internship
activities because there are several things in the work that must be done directly
by employees of the operational migration division roll out BSI Bogor Branch
Office Ahmad Yani who is in control of the job and cannot be replaced for
various reasons and of course it is in accordance with the work regulations listed
in the BSI Bogor Ahmad Yani office.
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CHAPTER V
CLOSING
5.1. Conclusion
Based on internship activities that have been conducted by the author
at PT Bank Syariah Indonesia Bogor Branch Office Ahmad Yani. The author
is said to have achieved his goals in his internship activities at PT. Bank
Syariah Indonesia as before the author's agendas have been formulated and
arranged in the process when conducting several internship activities. which
has been given by a mentor from the division in doing his work, so that the
author can complete it well.
In addition, in the implementation of his activities the author also
studied the system in regulating human resources and arranging various kinds
of data in the divisions that are mandated and have been taught to the author.
and the author gets real work experience, insight, and skills in doing time
management with work so as to create balanced activities, This is certainly the
author can when looking directly at the work ethic of bank syariah indonesia
employees.
In experiencing the world of work later here the author concluded that
soft skills and hard skills are needed. Soft skills itself is needed to create
competent human resources that later have competence in the realm of
leadership, problem solving, time management, methods of connecting with
citizens, critical thinking, teamwork, and self-confidence. Conversely, hard
skills are needed so that the workforce can carry out work that is suitable for
his skills and science. Analysis of the suitability between job description and
practice is all in accordance with what is done on the ground, it's just that not
all work can be done because there are some things that cannot be accessed by
the author such as providing future education products, and other customer
data.
The author is grateful to get a lot of useful lessons, the author does not
get special obstacles in the internship process, so the author also gets a good
and appropriate welcome and guidance from Branch. Manager, Supervisor,
and mentor at PT. Bank Syariah Indonesia Bogor Branch Office Ahmad Yani.
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5.2. Recommendation
After doing an internship at PT Bank Syariah Indonesia, the author felt
the need to give some advice, including for PT. Bank Syariah Indonesia KC
Bogor Ahmad Yani and Tazkia Islamic University College:
A. For PT.BSI KC Ahmad Yani:
1. Openness between workers, to reduce suspicion between one
another because it can have an impact on the time of activity,
especially when worker communication in the project that is carried
out or further projects to be held and reduce the impact of lost
communication.
2. Periodic briefings and evaluations will help in placing and
instructing practices so that these practices can work more optimally
and not be confused when doing internships, what work to do, and to
feel responsible for what is mandated.
B. For Tazkia Islamic University College:
1. When the internship has begun, the campus should also participate
in internship activities such as providing internship report guidance
services and seeing firsthand the performance of interns around
campus.
2. There should be more seminars or guidance on fieldwork practices
and provide more internships and variations than before and with the
direction of entering the internship program to the company that has
been intended
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BIBLIOGHRAPHY
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ATTACHMENT
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ATTACHMENT 2. NEWS REPORT OF INTERNSHIP
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LAMPIRAN 3 DOKUMENTASI FOTO KEGIATAN MAGANG
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WRITTER’S CV
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