Asuransi Astra has been serving customers for more than half a century, precisely since September 12, 1956. The company, known for its Garda Oto motor vehicle insurance products, serves customers through a network of services spread across 28 branch offices, as well as service units and Garda Centers that continue developing. In addition to motor vehicle insurance, other products from Asuransi Astra are Garda Medika health insurance, mining industry insurance, agribusiness industry insurance, shop insurance, gas station insurance, sharia insurance, and others.

Since 2015, Asuransi Astra has developed its products and services digitally and introduced Garda Mobile as a collection of mobile applications intended for retail, commercial and general customers. The four Garda Mobile applications namely Otocare, Medcare, HR-access, and CR-access are consistently updated through various innovations aimed at customer convenience and comfort. The latest innovation developed in the Garda Mobile Otocare with the presence of GarXia, the first insurance purchase chatbot in Indonesia that can also help customers in reporting claims and the Garda Mall feature that allows users to shop for a variety of automotive needs, Astra Financial financial products, also to buying and selling cars. Asuransi Astra also has four digital products namely Garda Me, Garda Edu, Garda Home, and Garda Trip which can be purchased easily and quickly through the gardaoto.com site.

Asuransi Astra performance has also been recognized with various awards that have been received, including: Platinum Indonesia Best Brand Award (2002-2019), Top Brand Award (2007-2019), Service Quality Award (2007-2018), Corporate Image Award ( 2007-2019), Indonesian Customer Satisfaction Award (2001-2017), Indonesia Original Brand Award (2017-2019), General Insurance with very good financial performance in the Infobank Insurance Award (2008-2016, 2019), Excellent Service Experience Award (2013 -2020), Contact Center Service Excellence Award (2013-2020), Social Media Award (2012, 2016), Indonesia Sharia Finance Award (2017), Insurance Award (2017-2018), Insurance Consumer Choice Award (2017-2018), Asian Brands (2018), Marketing Award (2018), Indonesia Digital Innovation Award (2018), Markeeter of the Year (2018-2019), Infobrand Mobile Application Choice (2018), Marketeers Editor Choice Award (2018-2019), Indonesia Insurance Innovation Award (2019), Indonesia Digital Popular Brand Award (20 19), and others.

With the support of branches and workshops that are spread all over Indonesia, along with the best services and a series of achievements, certainly not stopping the steps of Asuransi Astra innovation through products that are built from the new spirit of Asuransi Astra to always provide comfort and peace for every customer. Therefore, Asuransi Astra will invest time and effort so that you always smile. "Peace of Mind to Millions" is the result that Asuransi Astra will provide to each customer.

Disclaimer: 
Asuransi Astra tidak pernah memungut biaya apa pun untuk seluruh proses rekrutmen. Apabila menemukan kejanggalan terkait kegiatan yang mengatasnamakan Asuransi Astra, cek kebenaran informasi tersebut melalui Garda Akses 1 500 112, atau Instagram @AsuransiAstra.

Asuransi Astra

Section Head Health Claim have to make sure the verification and approval claim processes executed properly &amp; thoroughly, also they need to encourage and implement innovations in process and services in Health Claim.

Job Descriptions:

<ul>
	<li>Ensure: (a) Claim content (medical procedures, medical examinations, and medications) in accordance with policies’ coverage plan; (b) Medical procedures, examination, and medications fee is in accordance with terms &amp; conditions; (c) Claim content to hospitals or health provider (in accordance to policies' coverage plan)</li>
	<li>Giving out advice and medical recommendations for specific medical cases to companies based on received informations from hospitals or patient to suggest the best solutions.</li>
	<li>Encourage and implement innovations in process dan new services</li>
	<li>Make and implement TOD (Table of Duties) for team member based on work plan</li>
	<li>Monitor and evaluate team productivity in order to achieved agreed productivity targets.</li>
	<li>Lead health projects in Health Operation Division and suggest an improvement in health industry (for example: medical check-up system, claim process system, etc)</li>
</ul>

Placement: Head Office - Jakarta Selatan

Microsoft / MS Excel

Section Head Health Claim_Dokter Senior

As Indonesia's premier supplier of natural stone, Fagetti turns marble, granite, onyx, and other stones into art. We challenge ourselves to be the forerunners and problem solvers, the company that overcomes limits and sets the bar for quality. Whether serving designers or homeowners, we pride ourselves on our eye for detail.

PT Fajar Gelora Inti

Conduct comprehensive psychological evaluations to diagnose and understand personal mental health concerns 
Provide one-on-one counselling session to address stress, anxiety, depression, and other mental health issues 
Offer immediate support and intervention during crises or emergencies affecting mental health 
Develop and implement workshops, programs, and activities to promote mental well-being and resilience 
Work with management to provide insights on improving workplace culture and reducing mental health stressors 
Maintain confidential and accurate records of sessions, assessments, and recommendations 
Conduct training on topics about stress management and recognizing mental health concerns 
Stay updated on the latest mental health practices and integrate them into the workplace strategies

In House Psychologist or Psychiatrist

Achieve Integrative Health is the largest acupuncture clinic in Austin, TX. For 15 years we have helped thousands of people reduce their pain, increase their energy & vitality, get back on the dance floor, have babies, and make their Life Great Again. We were able to achieve these phenomenal results by integrating Acupuncture with modern technology and therapies.
Founded and led by CEO, Jimmy Yen, author, international speaker, mentor to acupuncturists all over the world, as well as physician, physician assistants, and nurse practitioners, social media influencer, teacher and innovator of Quick Relief Acupuncture Technique and Functional Pulse Diagnosis.
Achieve Integrative Health takes a cutting-edge and disruptive approach to healthcare to give our patients the best results in the shortest amount of time with five star service.


Achieve Wealth Technologies

Application Process:

<ol>
	<li>Message us via Kalibrr to ask for our email address for you to send the required application information.</li>
	<li>Once you are given our email address, email us
	<ul style="list-style-type: disc;">
		<li>Your resume in pdf format only.</li>
		<li>A 60-second video of yourself, sharing the 3 most important things you value in your Perfect Job. The video cannot exceed 60 seconds.</li>
	</ul>
	</li>
	<li>Important: Failure to follow the above instructions will result in automatic termination for further interview process.</li>
	<li>Be prepared to share what you know about our clinic during your Zoom interview.</li>
</ol>

About the Company:

Join Achieve Integrative Health, No. 1 Acupuncture Clinic in Cedar Park and Austin surrounding areas, and be part of a transformative healthcare journey. For over 17 years, we've championed health restoration, empowering thousands to reclaim their energy, vitality, and joy. Our success stems from a unique blend of Traditional Chinese Medicine and advanced technologies.

At Achieve Integrative Health, we're not just about healthcare; we're about life-changing care. Join us to deliver unparalleled service and results, reshaping healthcare one patient at a time. Let's make lives great again, together!

Why Join Us?

<ul>
	<li>Transform Lives: We're not just another company. At Achieve Integrative Health, WE MAKE a real difference by bringing joy and health back into lives with every interaction.</li>
	<li>Unbounded Growth: There is no limit to your growth with our company. We're on a mission to grow, with plans to expand our healing touch in Austin, Texas, and its surrounding areas.</li>
	<li>Empowerment Team Culture: We are known for our team culture because we help our team members achieve their professional, financial, and personal goals. Over 70% of team members who successfully completed the 3-month training period have achieved their goals after joining our team.</li>
	<li>No. 1 Acupuncture Clinic with Innovation: Stay at the forefront of acupuncture and wellness with the latest techniques and tools.</li>
</ul>

<ul>
</ul>

What We Offer:

<ul>
	<li>Competitive Compensation: Top compensation and performance bonuses in the acupuncture industry, rewarding you based on the results you produce. Monthly salary during 3-month training period - $520 U.S. Dollars; Monthly Salary after 3-month training period will be evaluated based on your performance and can ranging from $520-$867 or higher. In addition to the base salary, you are also eligible for the team performance quarterly bonus.</li>
	<li>Learning &amp; Growth Opportunities: Access resources to keep sharpening your mindset, communication, and customer service skills.</li>
	<li>Wellness Initiatives: Benefit from complimentary virtual health services, ensuring your well-being is a priority.</li>
	<li>Work from Home: Build a career from home, no more 3-4 hour commutes.</li>
	<li>Other Benefits: Paid time off, medical insurance, saving program matching, and more for qualified team members after completing the 90-day training period.</li>
</ul>

Full Time Virtual Accountant

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)

<ul>
	<li>Supervise and coordinate activities related to services related to medical records in all branches.</li>
	<li>Ensure the completeness of national medical records in accordance with predetermined rules and standards, including the absence of duplication of medical records.</li>
	<li>Manage medical records in accordance with the rules for organizing medical records within the limits of filling, assembling, coding and indexing all medical record documents. </li>
	<li>Maintain the quality of medical record documents from all risks such as damage, loss or misuse by parties who do not have the authority and access rights. </li>
	<li>Validate and analyze medical record data according to the needs of related parties. </li>
	<li>Coordination of Preparation, Monitoring and Evaluation related to National Medical Records Audit and Accreditation.</li>
</ul>

Medical Record Coordinator

Carry out the end-to-end process from bidding, negotiation, to closing with external stakeholders to reach a mutually beneficial agreement.

Conduct market research, competitive analysis, identify and map business prospects, and evaluate target achievement to ensure sales goals are achieved.

Communicate effectively with external stakeholders in order to introduce products or services and build relationships.

Sales Officer

Satya merupakan perusahaan herbal yang menjual Jus bawang putih tunggal yang sudah BPOM dan Halal untuk kesehatan masyarakat Indonesia.

PT SATYA NATURA PERSADA

<ul>
	<li>
	Responsibilities:

	 

	Develop and execute graphic design projects that effectively communicate the desired message while maintaining brand consistency.

	Create visual content for various media, including digital platforms, print materials, and social media.

	Maintain organized files and databases, both physical and digital, for Creative materials (all paperwork related), contacts, and other relevant documents.

	Ensure that all visual content is aesthetically pleasing, on-brand, and aligned with brand guidelines.

	Support Content Creator, batching, uploading, and copywriting content for TikTok and Instagram.

	Collaborate with the creative and marketing teams to develop concepts and designs that support promotional campaigns and educational materials.

	Stay updated on design trends, best practices, and the latest tools to continually bring fresh ideas to the team.

	Provide general support to the creative team as needed, including running errands, ordering supplies, and coordinating meetings or presentations.
	</li>
</ul>

Creative Graphic Designer

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

<ul>
	<li>Bachelor’s degree graduate from any major</li>
	<li>Have experience in administration</li>
	<li>Mastering using Microsoft office (word, excel, powerpoint)</li>
	<li>Fluent in English, both oral and written</li>
	<li>Have a good communication and coordination with other people</li>
</ul>

Associate Administrative Assistant_Universitas Multimedia Nusantara

Alodokter is the #1 digital health company in Indonesia. Launched in 2014, Alodokter brings high-quality medical services to its 27+ million Monthly Active Users by providing an integrated mobile solution for patients and doctors. 

We empower patients  and doctors with better knowledge to help them take better decisions:
- More than 550K monthly teleconsultations between doctors & patients with 800+ doctors in our mobile app
- Largest online booking of doctors and hospitals platform in Indonesia
- Most complete medical content database for patients and doctors in Indonesia

We believe that medical knowledge can help people take better decision for their personal and family health.

Here at Alodokter, we are dedicated to help Indonesian finding the finest health services. We hire people who are passionate, engaging and genuinely dedicated to help others. We train our team to be knowledgeable and highly skilled and reward the value they bring to Alodokter. 

Alodokter

Job Descriptions: 

<ul>
	<li>Work with a team of doctors and editors in managing the flow of health articles, ensuring articles for publication on our website for the medical community based on best available medical evidence.</li>
	<li>Participate in promotion of health education for healthcare professionals, especially general practitioners, specialist doctors, dentists, and medical students.</li>
	<li>Expand Alomedika social media, including participating directly in content creation (IG, FB, Youtube, X)</li>
	<li>Edit website contents to meet standards of up-to-date evidence based medicine.</li>
	<li>Other duties may be assigned by the Company from time to time.</li>
</ul>

Alomedika Editor

Jendela360 is a leading apartment rental platform in Indonesia. We connect renter and apartment owner with the help of technology such as: 360 Virtual Tour and Payment processing that able to turn payment into installment up to 12x.

Nowadays We see traffic jam is getting worse everywhere in the city. It would take anywhere around 2-6 hours to commute from home to working/business place EACH DAY. The current solution offered, does not solve the problem properly. not to mention the enactment of new regulations that are very restrictive, such as odd-even rules. And for one to purchase a landed house in the middle of the city, especially for the younger generation, is now nearly impossible. If We see in this point of view, We can see that Apartment living currently provide the best solution available (and will continue to do so in the future). With its location usually strategic to business center and other essential places in town. The completeness of facilities offered on the apartment. No wonder Apartment become the most favorable solution to this problem.

Unfortunately, finding apartment may proved to be a very tough process, especially for the first timer. From the step of browsing and gathering all the information scattered on the web, contacting agent one by one, assessing whether the agent is trustable or not, up to negotiating price, and ultimately the heavy burden one must carry to pay 1 year upfront rental cost would be a big turn off for lots of people try to rent an apartment.

We believe such a pain process, should be eliminated. By putting a higher standard, and helpful advisor to help people find an Apartment suitable for their needs, and budget. We do that by connecting them with the best agent that specialized in that area, also by giving them the touch of technology like Virtual Tour where user able to virtually walk around the apartment unit, and make sure the unit their after is favorable for them. Ultimately We give people the ease to pay by monthly-base instead of heavy upfront payment. This way Jendela360 is not only saves people time, but also solving the problem with the new superior experience!

If you feel thrilled and excited reading the above description. We challenge you to join out boat with goal to revolutionize the archaic, yet lucrative property industry, together with our solid, highly passionate and dedicated team. If you think you're the right person, Let's ride together

Jendela Group

Property Advisor is someone who is responsible for the specified target to handle clients in finding new properties, with details below:

<ul>
	<li>Achieving the predetermined target</li>
	<li>Manage databases that have been provided</li>
	<li>Introducing and presenting suitable housing for clients (Offline &amp; Online)</li>
	<li>Assisting client consultations related to appropriate home needs</li>
	<li>Build relationships with property developers</li>
	<li>Able to negotiate with various parties for closing</li>
	<li>Able to work with the aftersales team to take care of client transactions that have been dealt with</li>
	<li>Make regular reports through the system</li>
</ul>

[CariProperti.com] Property Advisor Bandung Area

[CariProperti.com] Property Advisor Tangerang Area

Nusantics is a genomics application company founded in 2019 with the ever growing belief in the importance of Microbiome balance in life. We are focused in providing sustainable solutions through science and nature. We aspire to make microbiome and the importance of balanced living as a part of our lifestyle. We believe that sustainability is more than just recycling and recovery. Sustainability should start in our mind as consumers; to be conscious of everything that we do and consume.

Nusantics

<ul>
	<li>Responsible for carrying out laboratory activities in accordance with GLP, including sample examination, sample labeling, extraction preparation, and conducting analysis in the laboratory.</li>
	<li>Responsible for maintaining cleanliness and completeness of equipment in the workplace, as well as operating and maintaining the cleanliness, completeness, and condition of laboratory equipment.</li>
	<li>Responsible for ensuring samples to be processed within a certain period of time and ensuring samples processed according to established procedure and comply with the standard.</li>
	<li>Responsible for ensuring that the laboratory equipment used is functioning properly, informs the laboratory admin and reports to direct superior for all issues that arise related to these equipment.</li>
	<li>Responsible for monitoring the repair, maintenance, and calibration activities of laboratory equipment, as well as follow up on the progress of this process until the activities are completed.</li>
	<li>Responsible for Inputting the use of reagents and consumables during daily activities, reporting to superiors for any problems that occur related to inventory.</li>
	<li>Responsible for ensuring no expired materials/reagents, and immediately informs laboratory admin and reports to direct superior for any problems that arise.</li>
	<li>Responsible for inspection and rechecking the stock of materials/reagents/consumables periodically.</li>
	<li>Responsible for creating and updating the SOP, WI, WO, FORM, and others related to the document management system, especially in the scope of Operations, if necessary participate in reviewing documents from other functions that relate to the operations.</li>
	<li>Participate in the implementation of physical stock (stock opname) material inventory according to a set schedule.</li>
</ul>

Laboratory Analyst - Banyuwangi

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

<ul>
	<li>Oversee and manage the claims process for both life and health insurance products, including inpatient/outpatient and critical illness claims.</li>
	<li>Conduct thorough investigations of individual product claims, aligning with the company's digital roadmap to handle a higher volume of individual products.</li>
	<li>Collaborate with the Head of Operations to optimize claims processes, aiming to reduce reliance on large claim teams by leveraging software and NGO/field networks.</li>
	<li>Develop and implement strategies for improving claims efficiency and effectiveness.</li>
	<li>Engage directly in the claims investigation process, demonstrating a hands-on approach and ensuring high standards of accuracy and integrity.</li>
	<li>Maintain compliance with regulatory requirements and industry standards.</li>
	<li>Provide training and guidance to the claims team, fostering a culture of continuous improvement and performance excellence.</li>
	<li>Prepare detailed reports and analysis for senior management, highlighting key findings and recommendations.</li>
</ul>

Claim Lead

The transaction is the lungs of the breathing economy, that is why our first step starts with a big dream to pave the way towards freedom of transaction. Since 2007, DOKU has been the first electronic payment system and risk management company in Indonesia. 

From paying and getting paid to transfer funds, all are possible with DOKU. For more than one decade, we have grown together alongside large and medium scaled companies to personal sellers from various lines of business, ranging from transportation, tourism, insurance, retail, donation, communities, and many more. Collaboration with partners such as local and international banks, also non-banking institutions has strengthened our reputation as a trusted local electronic payment solution. 

Our business grows together with our partners’ businesses. Thus we have built a payment ecosystem that is supportive and strengthens theirs. The formation of three product pillars that responds to all business needs across all layers of society has marked our transformation from “The Better Way to Pay” becoming “Think Beyond Payments”. The three winning product pillars comprise Payment Gateway and Transfer Services for Corporate, SMEs, Start-ups, and Local and International MSMEs. The last product pillar, Collaborative Commerce, is designed to empower communities and personal usage.

DOKU, PT NUSA SATU INTI ARTHA

<ul>
	<li>Generate, maintain and increase business opportunities with new and existing merchants-related to TPV &amp; TPT achievement</li>
	<li>Assist and ensure integration process for partners on-boarding</li>
	<li>Responsible for retaining existing merchants; keep merchants active and productive</li>
	<li>Responsible for good relationship with partners and banks</li>
	<li>Responsible for the business growth by identify business development opportunities, and do research related to customer, market, and competitor activity</li>
	<li>Responsible for forecasting future sales and forming sales plan and strategy</li>
	<li>Understand the problems and challenges of merchants and identify ways the business could better address those needs</li>
	<li>Collaborate with internal teame.g Support and Integration, Product Owner, Care, Legal to find solution related to merchants and create merchants satisfaction</li>
	<li>Handle administrative works related to merchant's data (e.g craft new sales proposals and contract renewals)</li>
</ul>

Business Regional Officer, Placement in Bali

Rakamin is #1 integrated talent management platform on hiring, assessment and employee upskilling that meet the high standards of top companies. Our innovative approach ensures that your organization attracts, develops, and retains the best talent, driving long-term success and growth.

Rakamin

<ul>
	<li>Generate and present accurate financial data, compile comprehensive reports, and analyze industry trends.</li>
	<li>Assess and enhance the company’s financial health, providing actionable recommendations for performance improvement for each products and across group company.</li>
	<li>Monitor adherence to tax optimization and financial reporting standards.</li>
	<li>Assist with cash flow forecasting and management to ensure adequate liquidity.</li>
	<li>Supervise the documentation and transparency of the company’s financial status and forecasts.</li>
	<li>Provide recommendations for financial efficiency and improvements in accounting processes.</li>
	<li>Create financial analysis reports to support management decision-making.</li>
</ul>

Finance Supervisor

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>Mengontrol implementasi proses pelayanan di cabang yang berada di bawah supervisinya.</li>
	<li>Membuat dan melaksanakan program service.</li>
	<li>Melakukan sosialisasi program, survey dan memastikan standar yang berhubungan dengan service sesuai dengan kebutuhan cabang dan jadwal yang sudah ditentukan.</li>
	<li>Melakukan kunjungan ke cabang (Branch Visit) secara periodik untuk mengevaluasi implementasi standar layanan.</li>
	<li>Melakukan kunjungan ke pelanggan (Customer Visit) terutama Priority Customer dan melakukan kunjungan yang bertujuan untuk Customer Recovery.</li>
	<li>Berkoordinasi dengan cabang, Customer Care dan menjadi PIC untuk berkoordinasi dengan unit-unit lain terkait pengaduan oleh pihak eksternal baik institusi pemerintahan maupun swasta.</li>
	<li>Melakukan inisiatif dan usulan untuk mengembangkan kapabilitas dan standar semua lini karyawan dalam memberikan pelayanan prima kepada pelanggan.</li>
	<li>Melakukan aktivitas benchmark ke institusi lain untuk mendapatkan informasi kualitas layanan competitor.</li>
	<li>Sebagai fasilitator/presenter materi dari Service Excellence Unit dalam materi –materi kualitas pelayanan.</li>
	<li>Partisipasi dalam program untuk meningkatkan kualitas layanan cabang.</li>
</ul>

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