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bjb BiSA

THE CURRENT bjb BiSA AGENT SERVICE (Inclusive Finance)

bjb BiSA is our attempt to expand our service by referring the customer to become an agent so they can serve the banking transactions within real time online for any society by using bjb EDC features withsharing fee concept.

bjb BiSA Product and Services:

  • Laku Pandai based on POJK No.19/POJK.3/2014 is the activity of providing banking services and/or other financial service which is done not through the office networks, but through cooperation with other parties and needs to be implemented within information technology system and resources. Laku Pandai is available in BANK BJBLink agent for unbanked/unserved people within the inclusive finance framework.
  • Bjb EDC also know as Electronic Data Capture (EDC) used to process non cash financial transactions, as well as non cash financial transactions that ATM provides.

Bjb EDC

  1. Register
    1. Mobile Banking
    2. Internet Banking
  2. Information
    1. Account Balance
    2. Mini Statement
    3. Check Account Transaction
  3. Transfer
    1. Sesama bank bjb
    2. Interbank
    3. Bank Code
  4. Payment
    1. Telkom
    2. Postpaid: Halo, Matrix
    3. Home phone bills
    4. Train tickets
    5. Education
  5. Reload Balance
  6. Setor-Pasti

♦ Laku Pandai Facility
bjb BiSA − Basic Saving Account
bjb BiSA saving account submission

  • bjb BiSA Saving Features:
    1. ATM card can be provided
    2. Maximum balance Rp. 10.000.000 (ten million rupiahs)
    3. Maximum monthly withdrawal transactions amounr (cash withdrawal, transfer) : Rp 5.000.000 (five million rupiahs)
        Benefits
    1. Free account administration fee, minimum balance and account closure fee
    2. ATM card can be provided
    3. Free transfer fee for bjb account
    4. Deposit and withdrawal transaction are available in all bjb branch offices and bjb bank agents.

 

♦ bank bjb benefits

  • Agents
    1. Additional source of income
    2. Improve image by bjb bank branding
    3. Increase the customer segmentation and cross selling business potential
  • Society
    1. Reachable agents in any possible domicile, save time and cost
    2. Transaction is not restricted by office hours or holidays
    3. Possible cash withdrawal and deposit savings transactions with small amount
    4. Transaction feels more familiar and informal

 

♦ bank bjb Agents benefits

  1. Without providing any tools
  2. Free monthly rent fees for EDC tool *)
  3. Agents can provide Basic Saving Account (BSA) opening, transfer between bank bjb accounts and interbank as well as other features (phone bills, reload balances etc.)
  4. Competitive fee rates *) term and conditions applied

♦ bjb BiSA Agent Term and Conditions

  1. Requirements:
    • Individuals / Non Law Firm
    • Business (latest 2 years)
    • Have a saving account in bjb bank (keep Rp. 3.000.000 money saved as a warranty deposit and the balance being blocked as long as customer is still an agent)
    • Have a loan bank account in bjb bank (without having any warranty deposit) with smooth collectibility for the latest 6 months
    • Business certificate (at least from subdistrict office or village office)
    • Not an agent from any Laku Pandai bank organizer
  2. Requirement Documents:
    • Copy of owner identity document:
      1. Valid ID Card
      2. Taxpayer Number (for enterprises)
    • Copy of business legality document:
      1. Business certificate; at least from subdistrict office or village office
      2. Bussines license, company registration certificate
      3. Business establishment certificate (company legality)
      4. Financial report (latest 2 years)
      5. Other business permits
    • Copy of Proof Of Account Ownership: Savings/Current Account Book
    • bjb BiSA agent submission document
      1. bjb BiSA agent submission form
      2. bjb BiSA cooperation agreement
    • Submit all the required documents to bjb branch offices nearby

♦ Inquiry & Complain

  1. Regarding agent complaint handling, AO/Consumer Marketing can refer the agent to contact Bjb call center (14049)
  2. Regarding customer complaint handling, agent can refer the customer to contact bjb call center (14049)

 

BJB BiSA AGENT SERVICE DEVELOPMENT PLAN (Inclusive Finance)

In order to enhance the bjb BiSA Agent transaction services so they can fulfill the society banking needs also with bank service competition to expand the service range, we consider that bjb BiSA need an additional features to support any possible banking transaction with benefit as follows:

  1. Transactions in bjb bank business scope can also be done by bjb BiSA Agent,
  2. Increase the society banking transactions, considering the one stop service can also be done in bjb BiSA Agent, including fundraising, funding and other financial services.
  3. bjb bank benefits :
    • Low cost society fundraising
    • Improving transaction portofolio,
    • NOA enchancement (bjb BiSA saving account, Simpel, tabunganku),
    • Collection process by agents to debtors within operational area bjb BiSA agent
    • bjb bank brand awareness by society as the main bank to conduct banking transactions
    • To reach educational function and its relation with global banking for any society in unreachable area.

Here are the following bjb BiSA service agent development that will be done gradually:

Bjb EDC

  • Payment
    1. PLN : PLN Prepaid, PLN Postpaid, Token Print
    2. bjb bank Credit Card
    3. Payment BPJS
    4. Vehicle tax payments
    5. Vehicle credit installment
    6. Zakat & infaq
    7. DPLK bjb
    8. Flight tickets
  • Bjb Quick Cash

 

♦ Laku Pandai Facility

  1. Conduct the applicant credit submission collection from bjb bank customer
  2. Conduct the billing collection to the debtors in agent operational environment

*) every approved application and succeed billing payment agent will earn fee based from bjb bank

♦ Recommendation/Referall/Microlending

  • Business has established at least for 6 months.
  • Maximum credit limit amount given is Rp. 20.000.000 (total exposure)
  • Loan interest rates 1.25% flate/month (non-PBTW)
  • Free provision and administration fees.
  • Credit period term for business capital maximum 3 years, and 5 years for credit investment.

♦ bjb BiSA Agent Term and Conditions

  1. bjb BiSA Agent term and conditions update plan:
    • Have a saving account in bjb bank (keep Rp. 3.000.000 money saved as a warranty deposit and the balance being blocked as long as customer is still an agent)
    • Have a loan bank account in bjb bank (without having any warranty deposit) with smooth collectibility for the latest 6 months
    • Business certificate (at least from subdistrict office or village office)
    • Not an agent from any Laku Pandai bank organizer

♦ Other services
bjb BiSA agent can also distribute BOS Relief Fund, Village Relief Fund, KUR and another government relief fund.

 

>> LIST OF BJB BiSA AGENTS AUGUST 2018 << 

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