PT PANTJA ARTHA NIAGA adalah perusahaan yang bergerak dalam bidang Importir dan Distributor minuman, khususnya minuman beralkohol, mencakup Beer, Wine & Spirits.

PT Pantja Artha Niaga

<ul>
	<li>Mengawasi operasional kantor sehari-hari, termasuk pemeliharaan, keamanan, dan kebersihan.</li>
	<li>Mengatur alokasi ruang kantor, utilitas, serta kebutuhan fasilitas penunjang (supplies, pantry, ATK).</li>
	<li>Memastikan seluruh fasilitas perusahaan (gedung, gudang, pabrik, dan properti lain) dalam kondisi baik serta sesuai dengan standar regulasi dan keselamatan kerja (K3).</li>
	<li>Menangani proyek renovasi, relokasi, maupun ekspansi fasilitas kantor/pabrik.</li>
	<li>Mengelola pengadaan dan pemeliharaan peralatan kantor, furnitur, serta kendaraan perusahaan.</li>
	<li>Mengawasi pengelolaan armada kendaraan perusahaan (perizinan, perawatan, penggunaan BBM, asuransi, dan administrasi lainnya).</li>
	<li>Memantau dan mengendalikan persediaan perusahaan (ATK, kebutuhan pantry, serta perlengkapan IT dengan bekerja sama dengan tim IT).</li>
	<li>Mengidentifikasi, mengevaluasi, dan mengelola vendor terkait layanan GA (kebersihan, keamanan, transportasi, katering, dan lainnya).</li>
	<li>Melakukan negosiasi kontrak dan memastikan efektivitas biaya tanpa mengurangi kualitas layanan.</li>
	<li>Memantau kinerja vendor serta memastikan kepatuhan terhadap perjanjian kerja sama.</li>
	<li>Menyusun dan mengelola anggaran departemen GA.</li>
	<li>Melakukan inisiatif efisiensi biaya melalui program cost saving.</li>
	<li>Menyusun laporan rutin terkait pengeluaran GA kepada manajemen.</li>
	<li>Menjamin ketersediaan fasilitas dan layanan yang mendukung produktivitas karyawan.</li>
	<li>Mengawasi kepatuhan terhadap kebijakan internal dan peraturan pemerintah terkait penggunaan fasilitas dan lingkungan kerja.</li>
	<li>Memberikan rekomendasi perbaikan proses kerja GA untuk meningkatkan efisiensi dan efektivitas.</li>
	<li>Membina, melatih, dan mengembangkan tim GA agar memiliki kinerja optimal.</li>
</ul>

General Affair Supervisor

Laboratorium Klinik Prodia didirikan pertama kali di Solo, Jawa Tengah, pada tanggal 7 Mei 1973 oleh beberapa orang idealis berlatar belakang pendidikan farmasi. Sejak awal, Drs. Andi Wijaya, MBA, PhD. beserta seluruh pendiri lainnya tetap menjaga komitmen untuk mempersembahkan hasil pemeriksaan terbaik dengan layanan sepenuh hati. Komitmen itulah yang mengantarkan Prodia menjadi Laboratorium Klinik terbaik dan terbesar di Indonesia seperti sekarang ini serta menjadi pusat rujukan nasional.

Sejak 2012, Prodia merupakan satu-satunya laboratorium klinik di Indonesia dengan akreditasi College of American Pathologists (CAP) sehingga kualitas hasil pemeriksaan dari Prodia sejajar dengan laboratorium internasional.

Visi:
1. Layanan Kesehatan Terpercaya menunjang Pengobatan Generasi Baru (Transforming toward reliable Next Generation Health Care)
2. Sebagai "Center of Excellence"

Misi:
1. Untuk DIAgnosa lebih baik
2. Untuk si DIA yang bergabung dengan Prodia




PT Prodia Widyahusada Tbk. (Prodia)

<ol>
	<li>Ensure office facilities and supporting equipment are available, well-maintained, and functional nationwide.</li>
	<li>Ensure the availability of competent, healthy, and work-ready personnel to support efficiency and smooth operations in Facility Care.</li>
	<li>Maintain good relationships with external parties to facilitate company operations.</li>
	<li>Oversee workplace safety and health (K3) compliance to ensure a safe and secure office environment.</li>
	<li>Ensure planned building maintenance is executed properly and support related activities from start to finish.</li>
	<li>Prepare evaluation reports on responsibilities, including operational costs, attendance, and other relevant matters.</li>
</ol>

General Affairs Supervisor

FIFGROUP, a subsidiary of PT Astra International Tbk, was established in 1989 and operates in the consumer financing sector. Their primary focus is financing Honda motorcycles through FIFASTRA. Additionally, they offer electronics and furniture financing through SPEKTRA, and multipurpose financing through DANASTRA. AMITRA provides financing for Haji, Umrah, and other Sharia services. FIFGROUP's vision is to become the best financing company in Indonesia, with a mission to deliver superior financial solutions and customer satisfaction.

FIFGROUP

PT Astra Digital Arta, also known as AstraPay is part of Astra International. AstraPay available to support current digital transactions trends for Indonesian people.

AstraPay mobile application provides range of digital transactions supporting daily needs, from electricity bill, BPJS, to health insurance payment.

Enjoy every convenience of digital transaction with AstraPay. Available on Google Play Store http://ap.money/pakaiAP

AstraPay

1. Campaign &amp; Promotion Operation

<ul>
	<li>Execute and monitor marketing campaigns and promotional activities.</li>
	<li>Evaluate campaign performance, prepare reports, and recommend improvements.</li>
</ul>

2. Merchant Operation (especially: SMEs Merchants)

<ul>
	<li>Support merchant acquisition, onboarding, and activation through tailored marketing initiatives such as exclusive campaigns, workshops, or engagement programs.</li>
	<li>Strengthen merchant growth and engagement to ensure a sustainable and active ecosystem.</li>
	<li>Develop merchant segmentation to identify growth opportunities and provide value-added services.</li>
	<li>Monitor and evaluate merchant engagement metrics to ensure continuous improvement.</li>
</ul>

3. Data &amp; Performance Analysis

<ul>
	<li>Collect and analyze data to measure campaign and merchant performance.</li>
	<li>Build reports and visualizations to track key metrics and evaluate performance for operational enhancement.</li>
	<li>Stay updated on best practices in marketing operations and merchant engagement.</li>
</ul>

Marketing Operation & Services Analyst

Kompas Gramedia, through its more than 50 years of history, is striving for one goal: enlightening and empowering Indonesia. To ensure that we are able to serve the nation for another 50 years, we are undergoing a digital transformation; strengthening and expanding our solid business pillars by developing new digital business initiatives.

Our vision is to enlight all the people in Indonesia with all the knowledge we have.

Kompas Gramedia

Dokter Umum yang praktik di Medical Center Kompas Gramedia, bertanggung jawab untuk:

<ul>
	<li>Melakukan pemeriksaan kesehatan pada karyawan Kompas Gramedia </li>
	<li>Membuat resep obat</li>
	<li>Melakukan tindakan emergency umum</li>
	<li>Membuat surat rujukan / surat rekomendasi</li>
</ul>

General Practitioner | Dokter Umum Medical Center Kompas Gramedia

About Us: 

Founded in 2015, Howel and Co has redefined the art of gifting in Indonesia. As a celebrated TOP BRAND, we specialize in creating premium, bespoke gifts that capture the essence of every occasion. From luxurious bath sets to heartfelt prayer collections and playful children’s gifts, our products are meticulously crafted to ensure quality and uniqueness.

We collaborate with renowned figures and leading corporations to bring your gifting visions to life. At Howel and Co, we believe in turning ordinary moments into extraordinary memories—join the #HowelPeople and discover the power of a perfect gift.

Howel and Co

Job description

About the Role: 

We are looking for a dedicated and proactive Customer Service professional to join our team, with a strong focus on supporting peak seasons like Ramadhan and Idul Fitri. As the main point of contact for customers across various platforms, you will handle inquiries, resolve complaints, and process orders to ensure a smooth and positive customer experience. You will work closely with internal teams to address order and shipping issues, playing a key role in maintaining customer satisfaction and loyalty. By delivering timely, accurate information about our products and services, you will represent the face of our company and contribute to its success.

 

Responsibilities:

<ul>
	<li>Respond promptly to customer inquiries across various platforms (e.g., Shopee, Tokopedia, Instagram).</li>
	<li>Handle and resolve customer complaints regarding product issues, returns, and exchanges.</li>
	<li>Manage and track orders to ensure timely delivery and address any order discrepancies.</li>
	<li>Collaborate with the logistics team to address shipping issues and provide updates to customers.</li>
	<li>Maintain accurate records of customer interactions, transactions, comments, and complaints.</li>
	<li>Prepare and submit regular reports on customer interactions, feedback, and issues.</li>
	<li>Monitor and respond to customer reviews and feedback on multiple platforms.</li>
	<li>Provide comprehensive information about products, services, and policies to customers.</li>
	<li>Continuously improve service procedures, policies, and standards based on customer feedback.</li>
</ul>

Customer Service

EF EFEKTA English for Adults

EF - EXCELLENCE IN ENGLISH TRAINING

EF was founded in Sweden in 1965 with just one teacher and a big dream of "breaking down the barriers in language learning both regionally and culturally". Today, EF has become the world's best and largest provider of English language courses by offering language learning and certified courses to people of all ages with study abroad opportunities and cultural exchange programs. EF has been appointed five times as the provider of language training services and official education services for the Olympics (1988 in Seoul, 2008 in Beijing, 2014 in Sochi, 2016 in Rio and 2018 in Pyeongchang).

EF & INDONESIA

With more than 500 schools and offices in 53 countries, EF is the world's largest private educational institution. EF has been in Indonesia since 1986 and to this day we provide intensive training programs for adults and education for children by leveraging the latest technology to provide courses, both in schools and online 24 hours a day.

EF & OLYMPICS

EF consistently supports various sporting events in various parts of the world and makes it a medium to promote global unity, development and equality. We are proud to have been the official provider of language training and education services for five Olympiads.

EF & INTERNATIONAL COMPANIES

EF continues to provide English training services for more than 1,500 international companies worldwide in various industries for a wide variety of employees.

EF Foreign Tutor.

EF has a team of high-quality teaching professionals led by teachers mostly from English-speaking countries with TEFL or other professional certifications. Our teachers are thoroughly selected and rigorously trained so that they are able to apply EF's superior learning methods. Let's get to know our foreign teachers better!

EF EFEKTA English for Adults

Role Objective: 
Act as the primary point of contact for students, ensuring excellent service quality, fostering strong relationships, and guiding them through their learning journey. This role involves managing student accounts, providing personalized course consultations, and driving retention through renewals and engagement initiatives.

Key Responsibilities:

<ul>
	<li>Serve as a dedicated account manager for students, ensuring a smooth and fulfilling learning experience.</li>
	<li>Build and maintain strong relationships with students through regular check-ins and progress tracking.</li>
	<li>Guide students in achieving their learning goals by offering tailored course recommendations.</li>
	<li>Manage student account renewals and drive loyalty program participation.</li>
	<li>Collaborate with internal teams to enhance student satisfaction and retention.</li>
	<li>Organize and oversee engagement events at the learning center to foster a supportive community.</li>
</ul>

Service Consultant

Berdiri pada tahun 2011, PT Unggul Mitra Solusi atau lebih dikenal dengan Unggul Solusi adalah perusahaan IT (Teknologi Informasi) yang berdomisili di Jakarta. Kami mengembangkan beragam aplikasi modern dan website e-commerce untuk mempermudah kegiatan operasional dan meningkatkan penjualan.

Aplikasi-aplikasi yang kami ciptakan dipercaya oleh berbagai perusahaan di Indonesia, Australia dan Singapura untuk menopang kegiatan usaha mereka.

Berbekal pengalaman yang kami punya, kami mengerti kebutuhan Anda dan dapat mengembangkan aplikasi untuk mengatasi permasalahan yang Anda hadapi.

OUR VISION
Menjadi perusahaan Teknologi Informasi pilihan pelaku usaha dan korporasi.

OUR MISSION
1. Menjadi mitra handal yang terpercaya untuk mewujudkan visi dan misi client.

2. Memberikan solusi Teknologi Informasi yang modern dan berkualitas.

3. Berkomitmen mengembangkan kemampuan karyawan dan memberikan penghargaan yang sesuai kepada karyawan yang berprestasi.

Unggul Solusi

<ul>
	<li>Answering questions about company's products or services</li>
	<li>Handling customer complaints</li>
	<li>Resolving issues and troubleshooting technical problems</li>
	<li>Ensuring end-products meet customer expectations</li>
	<li>Processing orders and transactions</li>
	<li>Providing on-site training to customers</li>
	<li>Other related jobs and responsibilities</li>
</ul>

Customer Service Officer

What is it like working at Kitabisa? 

About us 
Kitabisa stands as Indonesia's foremost digital fundraising and donation platform, serving as a nexus for millions of acts of kindness. Originating as a grassroots movement in 2013, we have continually expanded our reach and forged partnerships with diverse entities including corporations, governmental bodies, NGOs, hospitals, and prominent individuals. Together, we harness collective action to address societal challenges, with millions of #orangbaik contributors amplifying our impact in aiding those in need. Through leveraging technology, our vision is to cultivate the largest community dedicated to mutual aid and support. Our recent milestone, the acquisition of a sharia-compliant life insurance company, underscores our dedication to advancing inclusive and ethical financial solutions, furthering our mission of social impact and innovation.


What we value 
At Kitabisa, our work isn't just about tasks; it's about purpose. We're dedicated to connecting acts of kindness, amplifying their impact, and directly improving the lives of others, infusing our work with profound meaning. Guided by the principles of Berani, Berbuat, Baik, we embody courage by doing what's right even when no one's watching, upholding truthfulness, and respecting diversity. We are committed to action, understanding that mere words hold little weight without tangible steps forward. As 'doers', we prioritize action and value progress over perfection. Kindness forms the bedrock of everything we do, extending to ourselves, our colleagues, and, most importantly, those in need. If you share our values and seek to make a genuine difference in the lives of others, we invite you to join us on this meaningful journey.


Our Commitment
Kitabisa is an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, or disability status.

Kitabisa

1. Qurban (Seasonal / Project-based)

<ul>
	<li>Memberikan informasi produk qurban (jenis hewan, lokasi penyembelihan, distribusi, harga, laporan video).</li>
	<li>Membantu proses transaksi online maupun offline (microsite, WA, atau mitra).</li>
	<li>Menangani pertanyaan massal saat periode Ramadan – Idul Adha (peak season).</li>
	<li>Follow-up pembeli untuk memastikan pembayaran selesai tepat waktu.</li>
	<li>Mengirimkan laporan after-sales (video penyembelihan, sertifikat, laporan distribusi).</li>
</ul>

2. Aqiqah (On-going Service)

<ul>
	<li>Menjelaskan paket aqiqah (menu, layanan masak, sertifikat, box packaging).</li>
	<li>Mengatur jadwal aqiqah, delivery makanan, dan kebutuhan ritual syar’i.</li>
	<li>Koordinasi dengan tim operasional &amp; dapur agar pemesanan berjalan lancar.</li>
	<li>Menjaga komunikasi after-sales (ucapan terima kasih, follow up testimoni, penawaran program loyalti).</li>
</ul>

3. General CS

<ul>
	<li>Menjadi frontliner komunikasi di semua channel: WhatsApp, Telepon, Email, Instagram DM, Live Chat.</li>
	<li>Menangani komplain dengan ramah dan solutif.</li>
	<li>Membuat laporan mingguan terkait volume pertanyaan, komplain, closing, dan kepuasan pelanggan.</li>
</ul>

Customer Service Qurban Aqiqah

PT BFI Finance Indonesia Tbk (BFI Finance) is one of the long-established pioneers in the financing sector in Indonesia. Founded in 1982, BFI Finance is recognized as a company with a wide network, supported by more than 200 financing outlets across provinces. In 1990, the Company became one of the first multifinance companies to list its shares on the Jakarta Stock Exchange and Surabaya Stock Exchange (both now known as IDX), with the ticker code BFIN.

PT BFI Finance Indonesia Tbk

<ul>
	<li>Memahami keseluruhan produk BFI</li>
	<li>Memberikan pelayanan terkait produk BFI kepada calon Customer Walk In</li>
	<li>Menawarkan produk pembiayaan terhadap customer Walk In</li>
	<li>Membantu proses administrasi kebutuhan Customer Walk In terkait pengajuan</li>
</ul>

Customer Service Penempatan Yogyakarta

<ol>
	<li>Bertanggung jawab terhadap kepuasan konsumen eksternal melalu﻿i pelayanan yang diberikan cabang, agar dapat mendukung peningkatan pencapaian target cabang secara menyeluruh. </li>
	<li>Memberikan informasi mengenai persyaratan pembiayaan dan angsuran/ perhitungan pelunasan kepada konsumen walk in sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan konsumen memperoleh informasi yang dibutuhkan.</li>
	<li>Melayani konsumen yang akan menyerahkan persyaratan ataupun mengambil aset dokumen (BPKB) sambil melakukan penawaran kembali agar konsumen melakukan RO (Repeat Order) sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan konsumen memperoleh pelayanan yang cepat dan tepat.</li>
	<li>Bekerjasama dengan Admin Insurance and Complete Data Entry Staff cabang dalam menangani proses awal klaim asuransi kendaraan sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan customer memperoleh pelayanan yang tepat dan cepat.</li>
	<li>Menerima dan mengelola telepon dari konsumen, baik berupa pertanyaan seputar pembiayaan maupun penanganan keluhan konsumen, baik melalui telepon maupun keluhan melalui confins, sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan kepuasan konsumen dan pencapaian target SLA.</li>
</ol>

Customer Service Branch Depok

<ul>
	<li>Membantu pelaksanaan program Partnership</li>
	<li>Koordinasi dengan mitra terkait aktivitas penyaluran</li>
	<li>Membantu persiapan, perencanaan pelaksanaan program berupa anggaran dan konsep project atau aktivitas</li>
	<li>Mengawasi dan monitoring event dan implementasi</li>
	<li>Membuat ide kreatif pelaksanaan event dan implementasi</li>
</ul>

Project Service Offline Event

<ul>
	<li>
	Bertanggung jawab terhadap kepuasan konsumen eksternal melalu﻿i pelayanan yang diberikan cabang, agar dapat mendukung peningkatan pencapaian target cabang secara menyeluruh.
	</li>
	<li>
	Memberikan informasi mengenai persyaratan pembiayaan dan angsuran/ perhitungan pelunasan kepada konsumen walk in sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan konsumen memperoleh informasi yang dibutuhkan.
	</li>
	<li>
	Melayani konsumen yang akan menyerahkan persyaratan ataupun mengambil aset dokumen (BPKB) sambil melakukan penawaran kembali agar konsumen melakukan RO (Repeat Order) sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan konsumen memperoleh pelayanan yang cepat dan tepat.
	</li>
	<li>
	Bekerjasama dengan Admin Insurance and Complete Data Entry Staff cabang dalam menangani proses awal klaim asuransi kendaraan sesuai dengan prosedur dan ketentuan yang berlaku, guna memastikan customer memperoleh pelayanan yang tepat dan cepat.
	</li>
	<li>
	Menerima dan mengelola telepon dari konsumen, baik berupa pertanyaan seputar pembiayaan maupun penanganan keluhan konsumen, baik melalui telepon maupun keluhan melalui confins, sesuai dengan prosedur dan ketentuan yang berlaku guna memastikan kepuasan konsumen dan pencapaian target SLA.
	</li>
	<li>
	Mengkoordinir karyawan cabang dalam melaksanakan standar pelayanan baik dari segi attitude karyawan di front office maupun dari segi layout front office (kebersihan, kerapihan dan keindahan), guna memastikan tercapainya standar pelayanan di cabang.
	</li>
	<li>
	Melakukan survey exit customer dengan cara interview sesuai dengan standar, prosedur dan target SLA yang telah ditetapkan, sehingga dapat dijadikan sebagai bahan masukan dalam pengembangan strategi retention.
	</li>
</ul>

Customer Service Branch Tangerang

Toyota Astra Financial (TAF) was established by Astra International and Toyota Financial Services Corporation as a financial company and part of both Astra Group and Toyota value chains to provide financing solutions which support automotive sales in Indonesia.

Offers varieties of financing facilities, primarily focused on financing vehicles, with the option of conventional or sharia financing according to customer needs.

TAF develops a reliable service network based on good relationship with dealers, digitalization for more optimal access and connectivity in the business ecosystem, as well as agile organization with embedded risk management lifestyle.

Build Your Future with TAF!
1.	Health insurance for all TAF Employees
2.	Training and promotion chance in all TAF business sectors
3.	A positive working environment that promotes employee safety, growth, and goal attainment

Vision
Preferred financing solution for Toyota ownership through service excellence.

Mission
1.	To provide best value to customers
2.	Being a partner of Toyota to achieve long term success
3.	To provide sustainable value creation to stakeholders
4.	Being an employer of choice
5.	To share prosperity to community

Toyota Astra Financial Services

<ul>
	<li>Designing, reviewing, documenting company's cloud infrastucture</li>
	<li>Doing a standardization and monitoring company's cloud infrastucture</li>
	<li>Manage and optimize cloud resources for scalability, performance, and cost efficiency</li>
	<li>Ensure cloud security, data protection, and compliance with company policies</li>
</ul>

IT Cloud Engineer

<ul>
	<li>Planning company system operations and other support systems, exploring opportunities</li>
	<li>Adopting new technologies and designing and maintaining IT architectures that are strategic</li>
	<li>Aligned with the company's business needs to support the achievement of optimal company performance.</li>
</ul>

IT Architect & Innovation Analyst

<ul>
	<li>Mensosialisasikan produk dan layanan, membina hubungan baik dengan dealer Toyota &amp; Daihatsu untuk meningkatkan pencapaian sales target.</li>
	<li>Menjalankan aktivitas penunjang penjualan (mendukung pameran, showroom event, dll) untuk meningkatkan pencapaian sales target.</li>
	<li>Menindaklanjuti prospek customer Repeat Order (RO) / Additional Order (AO) yang berasal dari Tele Marketing (TM)</li>
	<li>Membuat simulasi kredit dan melakukan negosiasi, baik dengan dealer maupun calon pelanggan, untuk mendapatkan aplikasi pembiayaan pelanggan.</li>
	<li>Melakukan proses survei (wawancara dengan narasumber, pengamatan lingkungan dan mengambil gambar) serta membuat dan menyerahkan laporan hasil survei</li>
	<li>Melengkapi data aplikasi pembiayaan dan dokumen pendukungnya, termasuk melakukan konfirmasi melalui telepon, proses data entry, dan inisiasi untuk menunjang proses analisa kredit yang cepat dan akurat.</li>
	<li>Bertanggung jawab atas kebenaran dan kesesuaian dokumen dan data yang terkait dengan data pelanggan dan data kendaraan.</li>
	<li>Melakukan pemantauan status aplikasi pembiayaan agar mencapai target SLA yang ditetapkan.</li>
	<li>Memonitor status aplikasi backlog untuk mencapai target penjualan yang ditetapkan.</li>
	<li>Menginformasikan hasil keputusan kredit kepada pihak-pihak terkait, serta menindaklanjuti dokumen tambahan apabila terdapat data informasi yang perlu dilengkapi.</li>
	<li>Mencetak dokumen kontrak, menjelaskan isi kontrak kepada pelanggan, meminta tanda tangan dokumen kontrak dan mendokumentasikan foto tanda tangan kontrak bersama pelanggan (debitur) untuk memastikan kesesuaian dengan prosedur.</li>
	<li>Menindaklanjuti dokumen kelengkapan kendaraan dan dokumen tagihan dari dealer untuk memastikan kelancaran proses pembayaran kendaraan ke dealer (disburse).</li>
	<li>Memastikan sistem integrasi akuisisi (B2B) dengan dealer terlaksana dengan baik.</li>
	<li>Mengarahkan dan memberikan penjelasan cara pembayaran angsuran kepada pelanggan untuk memastikan cara bayar yang efektif dan efisien.</li>
	<li>Memberikan informasi dan mengarahkan pelanggan untuk mengunduh aplikasi konsumen TAF.</li>
	<li>Memonitor pembayaran selama periode waktu tertentu sesuai dengan parameter yang ditetapkan oleh perusahaan dan bekerjasama Kelancaran pembayaran angsuran dengan fungsi AR management untuk memastikan agar pelanggan yang telah jatuh tempo memenuhi kewajibannya. 
	 </li>
</ul>

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