[Laporan Magang] - Prosedur Peminjaman Dana di Bank Mandiri Taspen (Kantor Cabang Bekasi)

Suryadi, Amelia Melinda Mutarib (2026) [Laporan Magang] - Prosedur Peminjaman Dana di Bank Mandiri Taspen (Kantor Cabang Bekasi). STIE Tri Bhakti, Bekasi.

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Abstract

Bank Mandiri Taspen is a banking institution that focuses on serving the segment of retired civil servants (ASN), military personnel (TNI), and police officers (POLRI) by offering credit facilities designed to meet both consumptive and business capital needs. The data collection methods used in the preparation of this report include documentation, literature review, and direct observation during the internship period in the Credit Operations Division. The loan procedure involves several main stages, beginning with credit application submission through the Marketing/Account Officer Pensions (AOP) unit, verification of document completeness, and creditworthiness analysis using the 5C principles ( Character, Capacity, Capital, Condition, and Collateral) conducted by the credit Operations unit, followed by the fund disbursement process by the teller to the customer’s account. During the internship period, several obstacles were identified, such as incomplete collateral documentation from debtors, data input errors into the banking system (human error), and technical issues in the integration between the internal system and the credit bureau. To address these issues, it is recommended to optimize monitoring processes, implement the four-eyes principle in data verification, and enhance digital system integration to ensure safer, more accurate, and more efficient credit services for retirees.

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