PT. Sinar Mitra Sepadan Finance (“Perusahaan”) merupakan salah satu perusahaan pembiayaan kendaraan roda 4 (empat) atau lebih skala nasional yang didirikan pada tanggal 28 November 2000. Perusahaan ini  berkantor pusat di Agro Plaza Lantai 16-17, Jl. H.R. Rasuna Said Kav. X2-1, Kuningan Timur, Setiabudi, Jakarta Selatan 12950.

Adapun pemegang saham Perusahaan saat ini adalah ORIX Corporation, Jepang sebesar 85% (delapan puluh lima persen) dan PT. Sinar Mas Multiartha, Tbk. (“SMMA”), yang bergabung pada tahun 2019.

Perusahaan telah menjadi bagian dari ORIX Corporation, Jepang yang memiliki jaringan di 27 negara di dunia dan terdaftar di New York Stock Exchange. Saat ini Perusahaan memiliki  +- 120 jaringan (Kantor Cabang dan Kantor Selain Kantor Cabang) di seluruh Indonesia dan memiliki lebih dari 2500 karyawan.

PT. Sinar Mitra Sepadan Finance (SMS Finance)

<ul>
	<li>Menjalin relasi dengan dealer untuk mendapatkan aplikasi kredit</li>
	<li>Menjalankan proses survey dan analisa kelayakan konsumen</li>
	<li>Mencapai target penjualan yang ditentukan perusahaan</li>
	<li>Strong analytical and planning skills</li>
	<li>Excellent problem-solving skills</li>
</ul>

CREDIT MARKETING OFFICER SYARIAH

Since our founding in 2007 in US and VLink Consulting Indonesia (VCI) established in 2018, VLink is truly in a class of our own for our ability to deliver on all points important to our valued customers. We are an end-to-end global partner that provides consultative to coding services. Our delivery model, based on our global presence in North America and APAC regions, provides IT services and strategic workforce solutions. Our engineering mindset enables us to swiftly create affordable and tailored solutions for our customers – large and small.

VLink Inc

<ul>
	<li>Developing and maintaining high-quality software using .NET technologies</li>
	<li>Collaborating with cross-functional teams, including product managers, designers, and other developers, to design, develop, and implement software solutions that meet business requirements.</li>
	<li>Writing clean, maintainable, and well-documented code</li>
	<li>Debugging and troubleshooting issues in production and development environments.</li>
	<li>Creating and maintaining technical documentation</li>
	<li>Contributing to continuous improvement of development processes and methodologies, including Agile and DevOps practices.</li>
</ul>

.NET Developer (INA)

Tiga Daya Digital Indonesia, a susidiary company of Triputra Group and DCI Group To be IT partner to enable client growth rapidly.
 
Eksad Providing Services High Quality Based on Strong Experience in the industry and technology. Building the right IT Service Solution to enable it Partners in speeding up business development based on digital technology by providing professional and high competency resources.
 
Vision
To be Preferred IT Partner In The Region.
Mission
Establish excellent end to end IT Services to enable clients to grow their business rapidly thru high competence and professional resources.


PT Tiga Daya Digital Indonesia (Eksad Technology)

<ol>
	<li>Understanding of Network Fundamentals: This includes TCP/IP, OSI model, routing, switching, and subnetting.</li>
	<li>Knowledge of Network Security Technologies: Firewalls, Intrusion Detection Systems (IDS), Intrusion Prevention Systems (IPS), Virtual Private Networks (VPNs), and Secure Socket Layer/Transport Layer Security (SSL/TLS).</li>
	<li>Proficiency in Security Tools: Familiarity with tools such as Wireshark, Nmap, Metasploit, Snort, and various SIEM (Security Information and Event Management) solutions.</li>
	<li>Threat Intelligence Analysis: Ability to analyze network traffic patterns, identify anomalies, and respond to security incidents effectively.</li>
	<li>Placment in Banking Industry &amp; willing to do full WFO</li>
</ol>

Network Security Engineer

ALEPH PROFILE:

Hello, we noticed you taking a peek.

It all started on a stormy day in May 2006. There was rain, there was thunder, there was lightning, and there was Aleph.

Aleph is a striking group of craftsmen specialised in strategy, design and technology. We work together to plan, write and produce internet, mobile, and desktop solutions for the most daring set of clients. Bold clients who see the future of user-centric experience and engage Aleph as their rocket fuel.

ALEPH CULTURE:

We’ve grown from a garage operation to a staff strength of 300 and growing across Singapore, Indonesia, Malaysia, Vietnam and Thailand; but we still maintain a boutique company feel and culture within each local market. This is what bonds us and yet frees us enough to apply our unique talents, to deliver functional and flexible solutions, to dream big and to make it happen within this part of the world.

First discovered in 2006 the Alephian is a rare species. As a highly collaborative species, the Alephian loves to gather together and exercise great creativity to accomplish large difficult projects for its counter part in the natural hierarchy: “the client”.

The Alephian’s natural habitat is in the mobile and internet space where its nimble fingers and outstanding control of Wacom pens creates beautiful websites, apps, and campaigns.

A peculiar characteristic is the Alephian ability to communicate relevant information consistently. This is highlighted by a Friday morning tradition where they gather around food and exchange knowledge. This appears to be an effort to become a better group of species.

When not at work, Alephians can be found enjoying Southeast Asia’s beautiful resorts and beaches, planning a theme party or cycling together. And if you ever walk by, put your hand up. Alephians love giving high fives.

Aleph Labs

<ul>
	<li>Loves data and analyses them to turn data into information, information into insight and insight into digital business decisions.</li>
	<li>Responsibilities include conducting full lifecycle analysis to include users and business requirements, activities and strategic design approach.</li>
	<li>Will develop analysis and reporting capabilities. They will also monitor performance and quality control plans to identify improvements.</li>
	<li>Ultimately, you should be able to effectively connect the business vision with our Human-Centered Design thinking and strategy that facilitates delightful user experiences.</li>
	<li>Able to working onsite at our Jakarta studio</li>
</ul>

UX Researcher

<ul>
	<li>Merencanakan dan merekomendasikan startegi, prosedur, dan rencana kerja Litigation Department berdasarkan area yang ditangani (Bulanan).</li>
	<li>Menerima pengajuan penanganan kasus (Harian).</li>
	<li>Bertanggung jawab dalam penanganan dan pengambilan unit yang menjadi barang bukti dalam proses hukum.</li>
	<li>Melakukan review penanganan kasus berdasarkan area yang ditangani (Harian).</li>
	<li>Membuat laporan polisi terkait tindakan pidana yang merugikan perusahaan.</li>
	<li>Menyusun laporan progress penanganan kasus (Bulanan).</li>
	<li>Bertanggung jawab, melakukan review, dan monitoring atas seluruh surat somasi yang diterbitkan oleh advokat dan konsultan hukum yang menangani permasalahan hukum Perseroan berdasarkan area yang ditangani (Harian).</li>
	<li>Melakukan monitoring atas kinerja seluruh advokat dan konsultan hukum yang menangani permasalahan hukum Perseroan dengan Debitur Perseroan berdasarkan area yang ditangani (Harian).</li>
	<li>Melakukan diskusi, monitoring dan bertanggung jawab untuk penanganan permasalahan hukum yang melibatkan kepentingan hukum Perseroan dengan Debitur Perseroan sampai dengan selesai (termasuk mengikuti sidang di Pengadilan) berdasarkan area yang ditangani.</li>
	<li>Melakukan koordinasi dengan Divisi Collection dan Divisi Remedial &amp; Recovery untuk pengurusan unit yang menjadi barang bukti di dalam suatu permasalahan hukum. </li>
</ul>

Litigation Officer

Who We Are

We are a System Integration Firm that dedicated ourselves to Cloud Computing Solutions. We establish ICS to answer the future challenges, to provide solutions on how to get to market faster, create new experiences, and build operational muscle for sustainable results. Rising to those challenges, we provide Implementation, Managed Services, Consultancies, for multinational and local enterprises, or startups that are building their path for greater future. We will provide the most effective, cost optimized solution to all of our customers. We will answer every challenge with innovation to transform our client businesses, so they could scale new opportunities and balance the two for a wise pivot for a sustainable business. Our company comprise of engineers that has been in the industry for more than 10 years, we are confident to provide the right and most effective solutions to all of our clients. As a leader in CLOUD solutions and services, ICS helps global enterprises and midsize organizations to increase the efficiency and flexibility of their mission-critical cloud infrastructure and support operations, through a dedicated team of cloud experts.We have done more than 50 migrations during our 3 years of establishments, and more than 100 customers currently. We have done not only migrations, but also SAP Implementation, Magento for e-commerce, and Dev-Ops implementation in many industries. We keep adding more competencies to serve more unique requirements from our customers.

Why us

We are advisors, strategists and engineers focused to emphasize your business. We are born in the cloud. Running in the  business over a decade allow us to have experiences in many industries, shape us to provide the right solutions for all of our customers.

•	Indonesia AWS Advance Partner
Since 2019, we’ve become the first local advance partner in Indonesia. ICS Compute has proven to deliver best practice for cloud computing to the customers, not only from reliability, security, scalability, but also for cost and infra optimization.
•	Certified Cloud Engineer
We certified all of our engineers to give our customers convenience, and to make sure that we can provide and deliver best practice solutions to all of our customers base on their workload.
•	Quality Cloud Infrastructure
By leverage the services from the cloud providers, we provide quality solutions, which include aspects of security, high availability, scalability, reliable and cost optimized.
•	Best Value for Money
We will help our customers in their cloud journey, and it also include by helping them choose the right cloud providers, the right billing method, and do several tips and tricks that can help them to optimize their cloud usages.
•	Rich Feature Solutions
All applications that was created currently already available to implement on Cloud. These movement will create a rich environment in Cloud Computing, from a-z of your requirements will be available on top of Cloud Computing. You don’t have to look elsewhere to find the right and effective features for your company. From Infrastructure as a service, transform your workload to combine platform as a service, software as a service and function as a service, and develop your data analytic by using the cloud services. Technology grows rapidly, providing thousands innovation every year, so modernize your company now and create greater opportunities with our solutions to compete in the market.

Our core values

In ICS, we believe the future will be all digital on top of Cloud. Because we believe Cloud Computing has the scalability, the flexibility and the optimization that will be required by all industries. Simply said, Cloud Computing is a necessities. So, we are obsessively passionate and focus on the curve of technology, following every innovation and optimization that will help our customers to reach their goals. Born in the cloud, we trained all of our Team to follow the curve of technology and innovation. So we could provide the best solution to boost their businesses with the most optimize cost. We are more than happy to assist and helped you in pursuing your dreams through technology and innovation. Let’s Grow Together!


ICS Compute

Website and software application designing, building, or maintaining.

Using scripting or authoring languages, management tools, content creation tools, applications, and

digital media.

Conferring with teams to resolve conflicts, prioritize needs, develop content criteria, or choose

solutions.

Directing or performing Website updates.

Developing or validating test routines and schedules to ensure that test cases mimic external

interfaces and address all browser and device types.

Editing, writing, or designing Website content, and directing team members who produce content.

Maintaining an understanding of the latest Web applications and programming practices through

education, study, and participation in conferences, workshops, and groups.

Back up files from Web sites to local directories for recovery.

Identifying problems uncovered by customer feedback and testing, and correcting or referring

problems to appropriate personnel for correction.

Evaluating code to ensure it meets industry standards, is valid, is properly structured, and is

compatible with browsers, devices, or operating systems.

Determining user needs by analyzing technical requirements.

Web Developer Backend

Our Journey

With a renewed vision for growth and innovation, we rebranded as PT Bank SMBC Indonesia Tbk (SMBC Indonesia) in 2024, formerly known as PT Bank BTPN Tbk. This rebranding reflects our response to the dynamic changes, allowing us to consolidate our strengths and deliver even more seamless, integrated solutions for millions of customers from diverse segments across Indonesia.
 
This transformation signals our commitment to advancing and streamlining our business strategies, enabling us to better serve our customers and help them lead more meaningful and fulfilling lives. At the heart of this rebrand is our dedication to supporting Indonesia's long-term development goals, in alignment with the vision of Indonesia Emas 2045.
 
In addition to these goals, we are excited to invite talented individuals and younger generations to join us, expand their careers and make a lasting impact. Together, we can drive positive change and build a brighter future for Indonesia.

Life at SMBC Indonesia

At SMBC Indonesia, our team is a close-knit family of innovative individuals dedicated to growing and making a positive impact on our communities. We offer top-notch banking services while ensuring that our team members feel appreciated and engaged thanks to cutting-edge digital technology and global expertise. We foster a flexible, open environment where employees can continuously learn, develop professionally, and aspire to become their best selves.

We cultivate a collaborative culture with open communication between leaders and team members, encouraging the sharing of ideas, feedback, and problem-solving. Strong bonds between colleagues are vital, enabling agile teamwork that drives success in today’s fast-paced banking industry.
Our office is designed for both productivity and relaxation, with activities like billiards, gaming, and karaoke available after work. SMBC Indonesia also supports various internal clubs, offering options like yoga, badminton, gaming, and parenting to keep our team active and engaged. We believe these opportunities are essential for maintaining a vibrant, innovative workforce.

Giving Back

Through our Daya program, SMBC Indonesia champions sustainable, measurable empowerment initiatives for our customers. The Daya program offers education, training, and resource-sharing to enhance entrepreneurial skills, unlock growth opportunities, and improve quality of life. Health & Wellness and Community Empowerment programs are integral parts of our business model, fostering an environment where our customers thrive alongside our business.

Adaptive to change
 
With decades of experience, SMBC Indonesia has embraced adaptability as a core value. Our approach to work reflects this, with flexible dress codes, remote work options, and digital collaboration tools to keep our team connected and productive. By embracing these changes, we are better positioned to serve our customers effectively and stay resilient in a dynamic industry. Despite the evolving challenges in banking, SMBC Indonesia remains committed to meaningful progress and impactful service that touches millions.

PT Bank SMBC Indonesia Tbk

<ul>
	<li>Owns overall responsibility for the IT Helpdesk Digital Support,</li>
	<li>Ensures all phases of help desk support are coordinated, monitored, logged, tracked, and resolved appropriately</li>
	<li>Manage performance and development of team members; and complied to IT policies and processes to ensure consistent quality of service at a best cost.</li>
	<li>Utilizing relationship management competency and collaborate to facilitate effective issue resolution and day-to-day operations</li>
	<li>Implementating SOWs and Roles &amp; Responsibilities for the Service Desk and all internal and external parties involved</li>
	<li>Interact (pro)actively with Service Level &amp; Performance Management Team to ensure services and levels are aligned with business requirements</li>
</ul>

ITIL

IT Helpdesk Analyst

Renos is an end-to-end online marketplace that specialized in home and living products. We aim to bridge direct connections between manufacturers, service providers, and homeowners with AI technology and industry-led operation quality. This enables buyers to conveniently choose products, compare prices, access special deals, and try out samples before putting the right items in shopping carts at our one-stop service platform.

Renos.id

<ul>
	<li>Manage day-by-day daily operations, prepare daily payment, and bank reconciliation.</li>
	<li>Assist in the preparation for the financial statements reporting. </li>
	<li>Collaborate with other divisions to support the accounting and accruing process.</li>
	<li>Handle administration within department.</li>
</ul>

Finance Executive

BMI didirikan atas gagasan dari Majelis Ulama Indonesia (MUI), Ikatan Cendekiawan Muslim Indonesia (ICMI) dan pengusaha muslim yang kemudian mendapat dukungan dari Pemerintah Republik Indonesia, sehingga pada 1 Mei 1992 atau 27 Syawal 1412 H, Bank Muamalat Indonesia secara resmi beroperasi sebagai bank yang menjalankan usahanya berdasarkan prinsip syariah pertama di Indonesia. Dua tahun setelahnya, tepatnya pada pada 27 Oktober 1994, BMI memperoleh izin sebagai Bank Devisa setelah setahun sebelumnya terdaftar sebagai perusahaan publik yang tidak listing di Bursa Efek Indonesia (BEI).
 

Selanjutnya, pada 2003, BMI dengan percaya diri melakukan Penawaran Umum Terbatas (PUT) dengan Hak Memesan Efek Terlebih Dahulu (HMETD) sebanyak 5 (lima) kali dan menjadi lembaga perbankan pertama di Indonesia yang mengeluarkan Sukuk Subordinasi Mudharabah. Aksi korporasi tersebut membawa penegasan bagi posisi Bank Muamalat Indonesia di peta industri perbankan Indonesia.

 

Tak sampai di situ, BMI terus berinovasi dengan mengeluarkan produk-produk keuangan syariah seperti Asuransi Syariah (Asuransi Takaful), Dana Pensiun Lembaga Keuangan Muamalat (DPLK Muamalat) dan multifinance syariah (Al-Ijarah Indonesia Finance) yang seluruhnya menjadi terobosan baru di Indonesia. Selain itu, produk Bank yaitu Shar-e yang diluncurkan pada 2004 juga merupakan tabungan instan pertama di Indonesia. Produk Shar-e Gold Debit Visa yang diluncurkan pada 2011 tersebut memperoleh penghargaan dari Museum Rekor Indonesia (MURI) sebagai Kartu Debit Syariah dengan teknologi chip pertama di Indonesia serta layanan e-channel seperti internet banking, mobile banking, ATM, dan cash management. Seluruh produk-produk itu menjadi pionir produk syariah di Indonesia dan menjadi tonggak sejarah penting di industri perbankan syariah. 

 

Seiring kapasitas Bank yang semakin besar dan diakui, BMI kian melebarkan sayap dengan terus menambah jaringan kantor cabangnya tidak hanya di seluruh Indonesia, akan tetapi juga di luar negeri. Pada 2009, Bank mendapatkan izin untuk membuka kantor cabang di Kuala Lumpur, Malaysia dan menjadi bank pertama di Indonesia serta satu-satunya yang mewujudkan ekspansi bisnis di Malaysia. Hingga saat ini, Bank telah memiliki 249 kantor layanan termasuk 1 (satu) kantor cabang di Malaysia. Operasional Bank juga didukung oleh jaringan layanan yang luas berupa 619 unit ATM Muamalat, 120.000 jaringan ATM Bersama dan ATM Prima serta 55 unit Mobil Kas Keliling.

 

BMI melakukan rebranding pada logo Bank untuk semakin meningkatkan awareness terhadap image sebagai Bank Syariah Islami, Modern dan Profesional. Bank pun terus merealisasikan berbagai pencapaian serta prestasi yang diakui, baik secara nasional maupun internasional. Kini, dalam memberikan layanan terbaiknya, BMI beroperasi bersama beberapa entitas anaknya yaitu Al-Ijarah Indonesia Finance (ALIF) yang memberikan layanan pembiayaan syariah, DPLK Muamalat yang memberikan layanan dana pensiun melalui Dana Pensiun Lembaga Keuangan, dan Baitulmaal Muamalat yang memberikan layanan untuk menyalurkan dana Zakat, Infak dan Sedekah (ZIS). 

 

BMI tidak pernah berhenti untuk berkembang dan terus bermetamorfosa untuk menjadi entitas yang semakin baik dan meraih pertumbuhan jangka panjang. Dengan strategi bisnis yang terarah, Bank Muamalat Indonesia akan terus melaju mewujudkan visi menjadi “The Best Islamic Bank and Top 10 Bank in Indonesia with Strong Regional Presence”.



Bank Muamalat

<ul>
	<li>Melakukan pemasaran produk Funding (pembukaan giro, tabungan dan deposito), mobile banking dan cash management kepada nasabah existing dan/atau calon nasabah potensial untuk meningkatkan target pencapaian jumlah nasabah, nominal penempatan dan fee based income.</li>
	<li>Memberikan masukan tentang pengembangan atau perbaikan produk baru/existing.</li>
</ul>

Relationship Manager Funding - Jayapura Branch

Responsible for the development of Advertising (Branding campaign, Strategic campaign, Category campaign)

<ul>
	<li>Plan and manage the production and implementation of communications, while ensuring that all materials are in line with NocNoc brand guideline &amp; tone of voice.</li>
	<li>Work closely with Marketing team, other relevant parties such as creative agency, media agency and event organizer to ensure accuracy of products and information and achieve business and commercial goals, and elevate awareness of the brand.</li>
	<li>Contribute to evaluating advertising media opportunities &amp; amplify.</li>
	<li>Assist in partner collaborations that supports the advertising campaign and achieves business goals such as GMV.</li>
</ul>

Budget management

<ul>
	<li>Responsible to secure the planned marketing budget to business plan and to ensure accurate year-to-date marketing spent.</li>
	<li>Contributor to contract negotiation in the market relating to the function.</li>
</ul>

﻿﻿Additional Support

<ul>
	<li>Alignment and coordination for marketing communications campaigns or collaterals.</li>
	<li>Additional support with marketing data, marketing trends, communication plan overview.</li>
	<li>Support in new business campaign e.g. B2B</li>
</ul>

Branding & Communication Assistant Manager

<ul>
	<li>Mengumpulkan data dari berbagai sumber</li>
	<li>Membersihkan, mengubah, dan menyiapkan data untuk analisis lebih lanjut</li>
	<li>Mengembangkan dashboard interaktif dan laporan menggunakan tools penyedia laporan</li>
	<li>Mengidentifikasi tren, pola, dan anomali dalam data</li>
	<li>Memastikan akurasi data melalui pengujian dan pemeriksaan data rutin</li>
	<li>Melakukan perawatan data terhadap dashboard dan laporan yang sudah berjalan</li>
</ul>

Business Intelligence Engineer

Accord Innovations offers high-end quality IT products and services. We are young growing rightsized
company with entrepreneurial culture and entrepreneurial team members passionate with one
objective – client satisfaction. Primarily, Accord Innovations is an IT & business consulting, IT services
& solutions company; also dealing with IT solutions and products. Accord Innovations is
headquartered at Malaysia with a branch office in Hyderabad, India and capability to serve clients
globally.

We offer customized IT solutions and also standardized IT products, IT platforms to its clients. Accord
Innovations has a global footprint with clients from across the world. We have been serving clients
from across the world with our IT products and services capabilities. Accord has successfully
delivered its wide array of services to diversified industries and sectors.

We believe in delivering quantifiable business outcomes and impact of business and consulting
availed by the clients. We strive to ensure that our client’s business consulting and IT products and
services investments give best return on investment. Our team is always ready to change the picture
of client’s business and profitability by cutting-edge IT applications, systems, products and consulting
services. Accord’s team works towards adding and creating value to client’s business. 

Accord is known for its business and technology consulting services and standard as well customized
applications and solutions for manufacturing companies. We have business interests across verticals
for various IT interventions, beginning from design, development and implementation of IT solutions.
Accord Innovations stands for design, development and implementation of cost efficient and value
effective IT products and services. Choose Accord Innovations as strategic partner in your business
transformation processes. Build an intelligent enterprise with Accord as IT service provider. Think
next, think IT, think Accord.

Accord Innovations Indonesia

&gt;Developing banking services using microservice approach &amp; Elastic Search 
&gt; Conducting code review against developers working on the same module 
&gt; Developing unit tests 
&gt; Committing source code to bank's repository 
&gt; Responding to troubleshooting requests 
&gt; Fixing bug incurring in the system 
&gt; Attending sprint ceremonials

Backend Developer

<ul>
	<li>Plan, manage, and deliver Oracle ERP projects within defined scope, budget, and timeline.</li>
	<li>Collaborate with stakeholders to gather requirements, define objectives, and align on project priorities.</li>
	<li>Lead project teams using Agile methodologies, ensuring clear communication and efficient workflows.</li>
	<li>Analyze and resolve project issues, identifying innovative solutions to challenges.</li>
	<li>Monitor project progress, manage risks, and prepare detailed reports for stakeholders.</li>
	<li>Ensure compliance with organizational policies and security standards.</li>
</ul>

ERP Oracle Project Manager (INA)

<ul>
	<li>Design and build advanced applications for the Android platform </li>
	<li>Collaborate with cross-functional teams to define, design, and ship new features </li>
	<li>Writes design/implementation documentation </li>
	<li>Be responsible for designing, implementing, unit testing, code reviewing in various components/projects </li>
	<li>Work with outside data sources and APIs </li>
	<li>Unit-test code for robustness, including edge cases, usability, and general reliability </li>
	<li>Work on bug fixing and improving application performance </li>
	<li>Continuously discover, evaluate, and implement new technologies to maximize development efficiency </li>
	<li>Be a part of whole product life cycle, Dream, Build, Run and Iterate </li>
	<li>Work with the design team to perfect the UI and UX </li>
	<li>Lead and coach a team </li>
	<li>Adheres to strict delivery schedules</li>
</ul>

Android Developer [Contract Based]

Melakukan proses akuisisi nasabah baru untuk produk funding / wealth, cross selling / top up nasabah existing serta melakukan proses maintenance terhadap nasabah existing sehingga tercapai target pertumbuhan nasabah dan pertumbuhan volume portofolio dengan memberikan layanan transaksi sesuai dengan standar dan prosedur yang berlaku.

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