CHAPTER II GENERAL DESCRIPTIONS A. Geographical Location PT.

Bank Sulselbar Maros branch office is located is located in strategic area, where most people spend a little time to arrive. It is exactly located in Jl.Jendral Sudirman No.3 Maros, South Sulawesi.

B. Brief History of PT. Bank Sulselbar PT.BPD Sulselbar was established in South Sulawesi, Makassar on January 13, 1961 under the name PT Bank Sulawesi Selatan Tenggara Regional Development in accordance Raden Kadiman Notary in Jakarta No.95 dated January 23, 1961. Then based on Notary Raden Kadiman No.67 dated July 13, 1961 the name of PT BPD Sulawesi Selatan Tenggara was changed to BPD Sulawesi Selatan Tenggara. BPD Sulawesi Selatan Tenggara started operating in 1961 in a building of Bank Indonesia, Jalan Nusantara No. 53 and then moved on to build the Bank Jalan Summa at No.91 Makassar Sulawesi Selatan. The purpose of the establishment of the Bank is to manage the financial area and help boost the local economy. Preparation of the founding of Bank of Sulawesi Selatan is by initiative of Mr Shamsuddin Dg. Mangawing which later became the first Director of the bank.

Under the rules of Provinces of South Sulawesi Southeast No.002 of 1964 dated February 12, 1964, the name of BPD Sulawesi Selatan Tenggara changed with authorized capital of Rp 250,000,000.00. Because of the separation between the Province of South Sulawesi Province of Southeast Sulawesi and the change in the authorized capital regulations No.002 of 1964 has been amended several times and eventually the Bank changed its name to BPD Sulsel. Based on regional regulation No.01 of 1963, the authorized capital to Rp 25 billion and as the Bank is BPD Sulsel with status as a regional company. Based Perda No.08 year 1999 increased the authorized capital of Rp 25 billion to Rp 150 billion. Furthermore, in order to change the status of the Regional Company (PD) to Limited Liability Company (PT), it gives birth to Regulation No. 13 of 2003 about changing the status of Legal Entity form Bank Pembangunan Daerah Sulsel from PD to PT where the capital base was increased to Rp 650 billion, which Deed of Establishment was approved by the Minister of Justice and Human Rights Republic of Indonesia by virtue of Decree No. C-31 541 H7.01.01 Th. December 29, 2004 concerning the ratification of the Limited Liability Company Act

establishing the Regional Development Bank of Sulawesi Selatan (abbreviated as

PT Bank Sulsel), and was published in the State Gazette of the Republic of Indonesia No. 13 dated 15 February 2005, Supplement No. 1655/2005. The operating changeof use of license to PT Bank Pembangunan Daerah Sulawesi Selatan dan Sulawesi Barat abbreviated to PT Bank Sulselbar has obtained approval from Bank Indonesia through the BI Governor Decree No. 13/32/KEP.GBI/2011 on May 10, 2011. C. Vision and Mission Vision To become the best bank in Eastern Indonesia with the support of management and professional human resources and provides added value to local government and community. Mission 1. Mover and driver of regional economic development rate 2. Local Cash Holder and / or perform money storage area 3. One source of revenue Motto MELAYANI SEPENUH HATI D. Products and Services Product development and improvement of banking services cannot be separated from the development of information technology (IT). Almost all

products and Bank services have implemented the use of information technology, among others. Centralized database system with real time network of online services continue to be development, especially in supporting the efficiency and effectiviness of the reconciliation process of bookkeping for millions of accounts they manage. The real time network online services has covered all sub branches and cash offices throughout the south and west sulawesi. Service delivery channel has been also developed in the current bank of South Sulawesi, including: ATM and Phone Banking. In carrying out its vision and mission, the Bank Sulsel conducts union activities and the use of funds as follow: a. The fund which comes from community and goverment deposits in the form:

1. Giro Giro Bank Sulsel is deposit for individual customers that can help business transactions fast, secure and flexible. The benefits and advantages are to transact at all bank sulsel branches in real time on-line system as well as from other banks to transfer facilities, Safe & flexible, simply by using a check to do transactions anytime, Current Account can be requested every time the account owner free to change. 2. Deposit "Investing in a Safe and Reliable" Take advantage of the ease and benefits of investing with the Deposit Bank Sulsel. Deposits of Bank Sulsel are long term deposit for individual customers,
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companies and government agencies with attractive interst and other benefits. With flexible investment period and in accordance with the needs of the Customer. Bank Sulsel always provides more advantage in every your investment.

3. Savings Savings is deposit in the bank which cash can be done every time during the balance deposit sufficient and the bank still operate. The product saving in PT. Bank Sulselbar consist of: 1. SIMPEDA Deposit Local Development (SIMPEDA) Bank Sulsel is saving that provide benefit, safety, and pleasure of all your financial transactions. Account opening Simpeda Bank Sulselbar all of your financial transactions can be done quickly, and easily wherever you are. 2. TAPEMDA Savings for Regional Development (TAPEMDA) Bank Sulselbar is a deposit facility that provides security and convenience to you with initial deposit from Rp. 50.000,-. We can withdraw and deposit at all branch offices and cash offices of PT. Bank Sulselbar. The benefits of TAPEMDA are can be used as a means of payment of loan installments in Bank Sulselbar, has competitive interest and no administrative cost. 3. TAMPAN

Future savings are savings deposits / installment savings to realize depositors future such as education of the child, marriage, car payment, travel, or investment purposes in Rupiah with the system fixed monthly payments every month, the amount adapted to needs and abilities of depositors.

b. The use of funds disbursed in the form of loans to people with various types, which consist of: 1. KUL (Other Commercial Credit) This credit special for civil servant (PNS) who receives his salary in PT. Bank Sulselbar, with consumptive characteristic in increasing prosperity with requirements Taspen and Karpeg as a guarantee and authorization salary by PT. Bank Sulselbar. 2. KUM (Independent Business Credit) This credit is a special credit of the civil servant (PNS) who receives his salary in PT. Bank Sulselbar Maros branch office. This credit aims to help develop the business of civil servant who want to increase working capital for its business, and as surety is original Taspen, SK first and last original decree, and Karpeg, photos 3 models with business certificate from the village where the opening of business.

c.

Bank service

In addition to the collection and use of funding activities, PT. Bank Sulselbar also provides service other banking service include: 1. Remmitances 2. Inkasso 3. Guarantee Bank (Bank Guarantee) 4. Payments of phone bill, PAM, Electricity, Tax 5. Payment of salaries for retired public servants 6. Deposit for pilgrimage operational cost 7. Foreign exchange trade (Money Changer) 8. Mobile Banking

E. Organization Structure Organization structure is an arrangement or sequence order that describes the level of the parts in an organization that is normally presented in the form of chart that can explain the roles and responsibilities of each part and the relationship among them in achieving a goal.

Organization structure of Bank Sulselbar Maros bran ch office as follows:

Pemimpin Cabang

SEKSI PEMASARAN

SEKSI AKUNTANSI & ADMINISTRASI TRANSAKSI Pemimpin Seksi

SEKSI UMUM & SUMBER DAYA MANUSIA Pemimpin Seksi

Pemimpin Seksi

Analis Kredit

FRONT OFFICE
Koord. Kantor Kas Teller Tunai Petugas Transfer & Petugas Pajak

BACK OFFICE

Pramubakti

Account Officer Service Assistant

Head Teller Teller Non Tunai/ Pemindahbukuan Penangg.jawab VBS & ATM

Driver

Security

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