BANDUNG – bank bjb opens opportunities for all Indonesian people who want to earn additional income by becoming a partner of bank bjb banking agents. The public can register as a bjb agent BiSA Laku Pandai (Officeless Financial Services in the Framework of Financial Inclusion), which is a collaborative program between the Financial Services Authority (OJK) and all banks in Indonesia.
By becoming a bjb Laku Pandai agent, the agents can get additional income from bank bjb as a form of fee for providing various types of banking services to the public. The benefits provided are fairly promising where agents can carry out their profession while offering banking services to the public. Moreover, the need for banking services in the regions is increasing every day.
As a bjb Laku Pandai agent can be carried out by all groups of people, from food stalls, grocery stores, mobile traders, and various other professions, especially those who can reach the wider community.
There are two types of Laku Pandai agent offered by bank bjb, namely individual agents and legal entity agents. For individual agents, the requirements required include a minimum age of 21 years, have valid ID card such as KTP / SIM / Passport, Family Card and Taxpayer (NPWP), having business legality, residing in the location where Laku Pandai is held, having a minimum income from other permanent businesses for at least 2 years, not yet a Laku Pandai Agent in another bank, and own a cellphone.
For agents with legal status, the requirements required include having legal entity and company legality, having an ongoing business for at least 2 years that is reside in one location and having an adequate information technology equipment to support the implementation of Laku Pandai.
Both individual agents and legal entities, must also be willing to place a certain amount of funds in a bank bjb savings or current account for transactions for at least Rp.3 million to support operational liquidity. bank bjb will also carry out a due diligence process to ensure the readiness of prospective agents who register themselves.
The recruitment process begins with prospective agents to visit bank bjb and fill out an application form to become a bjb BiSA agent. After that, the bank bjb Laku Pandai officer will visit the business location of the prospective agent to fulfill the required documents and conduct interviews and due diligence. After the prospective agent receives the permit, a call will be made to the agent to open an account and deposit funds, a cooperation agreement, training and certification.
bjb Laku Pandai agents will also receive training and education from bank bjb, earn service fees as promised, receive services and information for any complaints related to products, and get supporting operational equipment for agents including bank bjb BiSA Laku Pandai agent ATM cards, certificates, technical manuals, EDC transaction machines, banners, and brochures.
In its business practice, bjb BiSA Laku Pandai agent can serve various banking transaction needs to the public including opening accounts, cash deposits and withdrawals, book-entry, bill payments, fund transfers, checking balances, credit or financing to micro customers, closing accounts, and other transactions related to financial services in accordance with applicable regulations.
Currently, bank bjb Laku Pandai agents are spread all over the country by providing bank bjb banking services which are increasingly needed by the public. The network is spread from urban areas to remote villages, which fall into the remote category.
DIVISI CORPORATE SECRETARY