Showing posts with label lowongan kerja finance. Show all posts
Showing posts with label lowongan kerja finance. Show all posts

Lowongan PT Indomobil Finance

Lowongan Kerja Indomobil Finance ~ PT Indomobil Finance Indonesia – We are an Automotive Finance Company, a subsidiary of Indomobil Group. We have created all core application and made virtual private network to all branches. As one of the biggest finance company in Indonesia, we offer some good career opportunities in several field. We are currently seeking :

Internal Audit Staff (Code: IA)

Requirements:
  • Female/Male
  • Age maximum 27 years old
  • Candidate should be at least Bachelor Degree (S1) majoring in Accounting / Computer Accounting with GPA min. 3.00
  • Fresh graduate are encouraged to apply
  • Thorough and detail oriented person
  • Willing to undergo traveling bond to all branch throughout Indonesia
  • Computer literate (min. MS Office)

Send your comprehensive resume, CV and recent photograph with the position code on top right of the envelope not later than 26 December 2012 to:

HRD PT. INDOMOBIL FINANCE INDONESIA
WISMA INDOMOBIL I LT.11
JL. MT Haryono Kav.8, Jakarta 13330
OR
hr_recruitment@indomobilfinance.com

============================================

Shopping Info:

Lowongan Kerja MNC Finance

Lowongan Kerja MNC Finance 2012

Lowongan Kerja MNC FinanceMNC Finance is a finance company (multifinance) which has branches spread all over Indonesia. Our company together MNCTV, RCTI, GlobalTV, MNC Skyvision, MNC Networks, Harian SINDO, etc., are part of large business groups, MNC Group.

We are growing rapidly and open up career opportunities for those who are talented and professional to fill the position:

1. MANAGEMENT DEVELOPMENT PROGRAM (MDP)

Qualifications:
  • Male / female, max age 27th
  • Minimum education S1 all the majors, IPK min 2.75
  • Fresh Graduate are preferred
  • Willing a bond for 2 years, 7 months and placed in all branches of PT MNC Finance in Indonesia

2. CREDIT OFFICER (CO)

Qualifications:
  • Male / Female, age max 27th
  • Minimum D3 majoring in accounting / management / information systems, GPA min 2.75
  • Fresh graduate / 1 year experience in the company's multifinance / banking, especially in the credit / risk

3. ADMINISTRASI (ADM)

Qualifications:
  • Male / Female, age max 27th
  • Education minimum D3 all the majors, IPK min 2.75
  • Fresh graduate / experience up to 1 year
  • Computer literate (Ms.Office)

Lamaran lengkap dapat segera dikirim via email ke recruitment@mncfinance.com paling lambat tanggal 20 Mei 2012 dengan mencantumkan kode di subject email atau kirim ke alamat:

PT. MNC Finance
JL. Abdul Muis No. 36 C – F
Jakarta Pusat 10160

Referensi: http://acc.uii.ac.id/lowongan/view/2068/PT.-MNC-Finance.html

Lowongan Kerja BII Finance Center

Lowongan Kerja BII Finance - PT BII Finance Center (BII Finance) was established on February 13, 1991, by deed No. 163 in Jakarta, as a company that is licensed in consumer finance, leasing, factoring and credit card ( multi-finance ). BII Finance is almost entirely owned by PT Bank International Indonesia Tbk (BII) that is equal to 99.99% and the rest is owned by BII Employees Cooperative. At this time the main business activities of BII Finance is financing a four-wheeled vehicles, both new and secondhand supported by partner dealers and showrooms from all over Indonesia.

BII Finance currently has a network of offices covering almost all major cities in Indonesia, which consists of 18 branches and 14 representative offices. BII Finance currently in need of professionals dedicated, loyal, honest, independent to fill the position:

Lowongan Kerja BII Finance Center


Credit Marketing Officer (CMO) - Jakarta Raya

Requirements:
  • Candidate must possess at least a SMU, Diploma or Bachelor's Degree in any field.
  • Fresh graduates/Entry level applicants are encouraged to apply.
  • 1 Full-Time and Contract position available.

For further detail information about job responsibilities and to apply online in each positions, please refer official source from Jobstreet on link below. Only short-listed candidates will be notified.

Official Source

Lowongan Kerja BII Finance

Lowongan Unilever - Asst Customer Development Finance Manager

Lowongan Kerja UnileverLowongan Kerja Unilever - PT Unilever Indonesia Terbuka. The Group's principal activities are manufacturing and distributing consumer goods including soaps, detergents, margarine, sauces, snacks, dairy based foods, ice cream, tea based beverages, cosmetic products and fruit juice.

Its brands include Pepsodent, Pond's, Lifebouy, Sunsilk, Clear, Vaseline, Rinso, Surf, Blue Band, Royco, Dove, Lux, Sunlight, Taro, Bango, Molto, Rexona, Lipton tea, Paddle Pop and Wall's. The Group's factories are located in Cikarang and Surabaya.

Lowongan Kerja Unilever

Asst Customer Development Finance Manager

Reference: 2012-SDC-IV-ACDFM
Education level: Bachelor
Job function: Finance
Location: Area/HO
Country: Indonesia

Job Description

Responsibilities:
  • Acting as Finance Business Partner to Area Sales Manager (General Trade) in ensuring achievement of sales target by providing relevant, accurate and timely information on the financial aspect
  • Responsible in managing debtors and claim settlement in the area
  • Exercise proper budgetary control of support resources in the area
  • Responsible for overall operation of sales depot, including complying with local government regulation, tax, labor related, etc

Further information on job

Requirements:
  • Willing to be placed in big cities in Indonesia
  • Willing to travel
  • Min University degree in Accounting
  • Possess good numerical analytical skills
  • Good interpersonal skills
  • IT Literate
  • Speed in responding queries from CD team
  • Working English
  • Min 1 year experience in finance and accounting area

Valid until: 24 Apr 2012

Job type/status: Permanent - full time

English proficiency: Basic

For apply the position, please visit the following link below:

Apply Job

Lowongan Kerja Unilever

Lowongan Kerja PT Vale Indonesia

Lowongan Kerja PT Vale IndonesiaLowongan Kerja PT Vale Indonesia - Vale Indonesia is one of the largest nickel mining company in Indonesia. The company was established in July 1968 under the name of PT Inco and renamed with PT Vale Indonesia Tbk in 2012. The Company is part subsidiary of Vale Group, the second biggest mining company in the world and headquartered in Brazil. Vale Indonesia operated in Sulawesi Island under a Contract of Work (CoW) agreement with the Indonesian Government. The Company's contract of work area was 218,528 hectares, consist of 118,387 hectares in Sorowako, South Sulawesi; 63,506 hectares in Pomalaa, Southeast Sulawesi; and 36,635 hectares in Bahodopi, Central Sulawesi.

Lowongan Kerja PT Vale Indonesia

In line with its vision, become the No 1 global natural resources company in creating long term value, through excellence and passion for people and the planet, currently PT Vale Indonesia Tbk invites the best candidates to join as positions below :

SSO Finance (Code : SF-EN)

Requirements
  • Graduate in Accounting in Reputable University.
  • 3 years working as accountant include:
  • 2 years in costing and budgeting.
  • 1 years in other area of accounting.
  • Fluent communication in English (minimal level 3).

Chemist (Code : CH-EN)

Requirements
  • S1 Graduated from recognized University majoring in Chemistry
  • Fluent speaking and writing English
  • Certified for ISO 17025 training
  • Preferable experience with Instrumental Analysis (AAS, UV/Vis, ICP Spectrometer, XRF Spectrometer, LECO, Bomb Calorimeter, etc).
  • Knowledge on Applied Statistic

General Tax Accountant (Code :F-EN)

Requirements
  • Bachelor (S1) in Accountancy and GPA : > 2.85 (scale 4,00)
  • Minimum 1 Years in Accountancy and Tax matter
  • Will be advantage if holding certification BREVET A from IKPI

For further information, please refer official source below. Should you interested, please send your CV with your recent photograph, copy of proof of work experience, copy of academic certificate (all attachment only in pdf format), to pti_recruiting@vale.com. Position name and code MUST be written on email subject. Closing date is on 12 April 2012. Only applicants that meet requirements with complete documents as required above will be notified for further selection process.

Official Source

Lowongan Kerja PT Vale Indonesia

Lowongan Kerja Perum Pegadaian

pegadaianLowongan Kerja Perum Pegadaian - Perum Pegadaian is one of the largest state-owned financial company in Indonesia. The Company engaged in pawn credit services with main products pawn credit, fiduciary-base credit and other services. The Company 100% owned by Government of Indonesia. The Company based in Jakarta and supported by 13 Regional Offices and 4,920 outlets in all over Indonesia. In 2009, Pegadaian awarded as the Best State Owned Company in Financial Sector and the other financial from Investor Magazine. Based on Perum Pegadaian Annual Report 2010, the Company recorded Rp62,27 trillion as disbursed loans, increasing 28.7% from the year 2009. In terms of profitability, in 2010 the Company managed Rp5,38 trillion.

Lowongan Kerja Perum Pegadaian

In line with its vision, become champion for micro and small financing of pawn fiduciary based for middle to lower class communities, currently Perum Pegadaian invites the potential candidates to join as:

Outsourcing and Permanent Staff (Internal Recruitment 2012)

General Requirements:
  • Applicants are citizens of the Republic of Indonesia (WNI);
  • Healthy Physical, Spiritual, Free from Drugs and Psychotropic Drug Use, and no color blindness.
  • Applicants from Outsourcing Administrative Support Payments Staff (PAP), PAUL and former employees Outsourcing is the status of PKWTT PT Era Permata Sejahtera
  • Status is still actively employed by January 31, 2012
  • Education minimum D3 all programs of study with min Grade point average (GPA) 2.50 (PTN) and 2.75 (PTS)
  • Applicant was born January 1, 1980 and thereafter;
  • Preferably male;

For further detail information and how to apply, please refer official source from Perum Pegadaian on following link below. Closing date 9 March 2012. Only short-listed candidates will be notified.

Official Source

Lowongan Kerja Perum Pegadaian

Lowongan Kerja Mega Finance

Lowongan Kerja Mega FinanceLowongan Kerja Mega Finance - PT Mega Finance As one company under CT Corporation (including Bank Mega, Trans TV, Trans 7, Carrefour, etc), Mega Finance performs new innovation measures, through an approach that is focused on developing human resources and operational business processes. We invite you to join and grow with us as :

Lowongan Kerja Mega Finance


Task Force

Requirements:
  • Education min. D3, age max. 30 years.
  • Experience in similar companies min. 3 years, and understand the process of working on the leasing or finance company.
  • Willing to travel agencies (frequency: often).

Staff IT

Requirements:
  • Candidate must possess at least a Bachelor's Degree in Information Technology.
  • Required skill(s): SQL, JAVA, Oracle.
  • Fresh graduates/Entry level applicants are encouraged to apply.
  • 5 Full-Time position(s) available.

For further detail information about jobs responsibilities, please refer official source from Jobstreet on following link below

Official source

Lowongan Kerja Mega Finance

Lowongan Kerja MNC Life Assurance

lowongan kerja MNC life assuranceLowongan Kerja MNC Life Assurance - PT MNC Life Assurance (MNC Life) wholly owned by PT Bhakti Capital Indonesia, one of the leaders in investment markets and financial services in Indonesia. MNC Life markets a full range of life insurance products through a multi-point distribution system, with a range of agents as a major business unit. To support our commitment in providing products and services an innovative and competitive, MNC Life requires immediate:

Lowongan Kerja MNC Life Assurance


Financial Planner

Requirements:
  • Male/Female
  • Education min D3 Degree
  • Age 21-40 years old
  • Having a vast social network
  • Good looking /Attractive look
  • Self-motivated person
  • Having good communication skill

Benefits:
  • Flexible working hours
  • Mentored by a trained leader
  • Traveling bonus
  • Get a training with international standards
  • Unlimited income

Send your CV, recent photograph and portfolio (or links to your portfolio) to:

PT. MNC Life Assurance
MNC Tower 7th fl
Jl. Kebon Sirih Kav. 17-19
Jakarta 10340

Only shortlisted candidates will be notified.

Official info

Lowongan Kerja MNC Life Assurance

Lowongan Kerja PT Indomobil Finance Indonesia

Lowongan Kerja PT Indomobil Finance IndonesiaLowongan Kerja PT Indomobil Finance Indonesia - PT Indomobil Finance Indonesia - We are an Automotive Finance Company, a subsidiary of Indomobil Group. We have created all core application and made virtual private network to all branches. As one of the biggest finance company in Indonesia, we offer some good career opportunities in several field.

Lowongan Kerja PT Indomobil Finance Indonesia

Finance/Accounting Staff ( FAS )
Location: Jakarta Raya

Requirements:
  • Female or Male, max 26 years old
  • S1 in Accounting / Finance from reputable university
  • min GPA is 3.00 (on scale 4.00)
  • Fresh graduated or having experience in finance/accounting
  • Able to work in a team, willing to work under pressure, honest, and diligent

HR ORGANIZATION DEVELOPMENT OFFICER

Requirements:
  • Male / Female
  • Age max 28 years old
  • At least Bachelor degree from reputable university, Psychology is an advantage
  • Having experience in handling Organization development (Organization Structure, Job Analysis, KPI, Performance Management) min 2 years
  • Strong interpersonal skill, including the ability to effective communication with people at all levels
  • Computer literate (Word, Excel, Visio, Power point, Open office)

Finance Treasury Staff
Location: Jakarta Timur

Requirements:
  • Female or Male, max 25 years old
  • S1 in Accounting / Finance Management from reputable university
  • min GPA is 3.00 (on scale 4.00)
  • Fresh graduated or having experience in finance/accounting
  • Able to operate Ms. Office

Please send your application with detail CV and recent photo not later than 27th February 2012 by indicating the job title on the envelope to :

HRD PT INDOMOBIL FINANCE INDONESIA
WISMA INDOMOBIL I LT.11
JL. M.T Haryono Kav.8
Jakarta 13330
Or
hr_recruitment@indomobilfinance.com

Official info

Lowongan Kerja PT Indomobil Finance Indonesia

Lowongan Kerja PT Bahana Artha Ventura

lowongan bahana artha venturaLowongan Kerja PT Bahana Artha Ventura ~ PT. Bahana Artha Ventura, adalah salah satu anak perusahaan Bahana Group yang merupakan perusahaan pembiayaan berskala nasional terbesar yang berkantor pusat di Jakarta dan memiliki jaringan di berbagai Propinsi di Indonesia. Saat ini PT. Bahana Artha Ventura membuka penawaran untuk mengisi posisi di Divisi MICRO FINANCE / PEMBIAYAAN MIKRO sebagai berikut :

Lowongan Kerja PT Bahana Artha Ventura

Cluster Manager Micro Finance (CM)
Salatiga , Ungaran (Jawa Tengah)

Requirements:
  • Pendidikan Minimal S1 semua jurusan
  • Memiliki pengalaman minimal 3 tahun sebagai Head Unit Mikro di Bank atau lembaga keuangan non Bank.
  • Mengenal dan Menguasai area penempatan
  • Mampu memotivasi tim di bawahnya
  • Memiliki kemampuan Leadership yang baik
  • Mampu bekerja mandiri dan di dalam tim
  • Komunikatif, proaktif dan memiliki inisiatif yang tinggi
  • Coverage Area : Salatiga, Ungaran, Boyolali

Jika anda memenuhi kualifikasi yang dibutuhkan, silahkan kirim lamaran dan CV terbaru, dengan mencantumkan kode posisi dan area penempatan di sudut kanan atas amplop atau di judul email paling lambat 2 minggu setelah iklan ini terbit ke :

HR Bahana Group – Gedung Graha Niaga Lt. 20,
Jl. Jendral Sudirman Kav 58, Jakarta Selatan, 12190
atau
kirim melalui email (tidak lebih dari 2 MB) ke :

recruitment@bahana.co.id

Untuk informasi lebih lanjut kunjungi: www.bahana.co.id

Lowongan Kerja PT Bahana Artha Ventura

Lowongan Kerja PT Nipress

Lowongan Kerja PT Nipress Lowongan Kerja PT Nipress Tbk ~ Nipress was founded in November 1970. We are producing the widest range of product of automobile batteries, motorcycle batteries, golf cart batteries, and motive power batteries. And up till today we are the only public listed company for lead acid battery manufacturer in Indonesia since 1991 at the stock trade at Jakarta Stock Exchange.

Lowongan Kerja PT Nipress

Accounting & Finance Manager
Jakarta Raya, Jawa Barat

Requirements:
  • Male or Female
  • Age between 30-45 years old
  • Have CFA (Certificate Financial Analisys)
  • S2 in Finance Management / MBA or Bacelor degree with experience more than 5 years
  • Usually a minimum of 5 years experience in the management of financial systems and budgets, financial reporting, financial data analysis, auditing, taxation and providing financial advice
  • Have knowledge of accepted accounting practices and principles
  • Knowledge of economic principles, auditing practices and principles, applicable laws, codes and regulations
  • Knowledge and experience of related computer applications
  • Good planning and organizing, strong communication skills, information and task monitoring, problem analysis, and judgment and problem-solving
  • Good Team player with integrity, interpersonal, good network, project flow and time management skill
  • Preferably work in industrial
  • Work well under pressure and work independently

Should you interested, please refer Jobstreet on following link below to apply. Only shortlisted candidates will be notified.

Apply

Lowongan Kerja PT Nipress

Lowongan ACC Astra Sedaya Finance

Lowongan Kerja ACC Astra Sedaya Finance ~ Astra Credit Company (ACC), one of the largest Financial Services Company of ASTRA Group in Indonesia with more than 28 years experience is seeking for potential candidates who has strive for excellent and dynamic to fulfill the following position:

Lowongan Kerja ACC Astra Sedaya Finance

Area Litigasi Officer - Jakarta

Responsibilities:
  • Perform review & analysis of legal documents and provide feedback that support strategic legal decision process
  • Negotiating term and condition to achieve the best standards for company and its subsidiaries
  • Make the provision of legal documents to maintain compliance with applicable laws and regulations in the course of corporate activities

Requirements:
  • S1 legal
  • Strong academic background from Law
  • GPA min. 2.75
  • Max. 27 years old
  • Min 1 year experience as Litigation officer
  • Fresh Graduate are welcome
  • Having advanced legal knowledge and its implementation
  • Energetic and drive for result
  • Willing to work around Sumatra or East Indonesia

IT Security Analyst - Jakarta

Requirements:
  • Bachelor degree IT (GPA min 2.75)
  • Having passion at IT Security
  • Understand IT Concept Security (Information Security Mgt System, BS 27002, etc)
  • Max. 25 years old
  • Min. 2 years experience as IT Analyst Security.

Please send your comprehensive resume in detail (including your organizational experience & achievement), copy of certificate & transcript no later than November 19, 2011 to:

recruitment@acc.co.id

Please write the application code on email subject field


Lowongan Kerja ACC Astra Sedaya Finance

Lowongan Kerja BCA Finance

lowongan kerja bca financeLowongan Kerja BCA Finance. BCA Finance was established in 1981 with the name of PT Central Sari Metropolitan Leasing Corporation (CSML). At its inception, the Company's shareholders are PT Bank Central Asia and the Japan Leasing Corporation.


At that time the company was still focused on the commercial finance business, such as financing production machinery, heavy equipment and transportation.

Subsequently in 2001 by PT Central Sari Metropolitan Leasing changed its name to PT Central Sari Finance (CSF), followed by a change of ownership, where PT Bank Central Asia (BCA) becomes the majority shareholder, as well as changes in business focus to automotive financing, especially the wheels four or more. Lastly, In accordance with the Decree of the Minister of Justice and Human Rights Republic of Indonesia No. C-08 091 HT.01.04.TH.2005, then as of March 28, 2005 PT Central Sari Finance has changed its name to PT BCA Finance.

Lowongan Kerja BCA Finance


Account Management Officer (Leasing Heavy Equipment)

Job Description :

- To seek customer who want to invest in heavy equipment.
- To analyze and make recommendation of needs between customer and company which is inline with company's bussiness.
- To maintain good relationship with supplier, such as heavy equipment dealer, bank and customer.
- To manage the quality of account recieveable that will be proceeded.

Qualification :

- Male / Female, age between 23 - 27 years old.
- Min. Diploma III (D3) in any major with GPA 2,50.
- Having experience in Leasing Heavy Equipment Industry, Banking or Lending Marketing min. 2 years.

Marketing Officer KKB BCA
Location: Samarinda, Banjarmasin, Balikpapan, Pontianak, semarang, Medan, Surabaya

Requirements:
  • Male / Female, age max. 27 years.
  • Look neat and attractive.
  • Education min. D3 any majors with GPA min. 2.5.
  • Fresh Graduate / work experience.
  • C and shall have a motorcycle license.
  • It never worked as a Surveyor in Marketing or other Multifinance company.
  • Willing to be placed in the branch BCA Finance Bandung, Jakarta, Surabaya and Medan

Interested candidates please apply online at the link below:

Register and Apply Job


Only selected candidates, who will be notified.

Lowongan Kerja BCA Finance

Lowongan Kerja Suzuki Finance

Lowongan Kerja Suzuki FinanceLowongan Kerja Suzuki Finance. Since May 2005 PT. Suzuki Finance Indonesia (Suzuki Finance) has been present to provide convenience for the people of Indonesia in a motorcycle SUZUKI. Headquartered in the business district of Jl. HR. Rasuna Said, Kuningan, Jakarta, Suzuki Finance is a joint cooperation of two world-class companies Itochu Corporation and Suzuki Motor Corporation of Japan.

Lowongan Kerja Suzuki Finance

Budget Deputy Manager (BDM) - Head Office

Requirements:
  • S1 Accounting, GPA min. 2.80, max 35 years old
  • Have wide knowledge, leadership, communicative, good integrity and initiative
  • Able to make policies and monitor them in budget scope at Head Office and all branch offices
  • Able to make planning and implementation of annual corporate budget and revise it, if necessary.
  • Good data analytical & spreadsheet
  • Fluent in English (both, oral & written)
  • Having 3 years experience in the same position, preferable at multi finance / banking

Credit Marketing Officer

Requirements:
  • Male, maximum 28 years.
  • Min. D3 any majors, IPK min. 2.80
  • Have a motorcycle and SIM C
  • Have marketing spirit, good personality, integrity, diligent, conscientious and initiatives.
  • Fresh Graduated / min 1 year experience in same field.
  • Placement: Mojokerto, Surabaya, Sidoarjo, Gresik, Lamongan, Bojonegoro, Tuban, Madiun

Field Collection (AR Officer, Problem Solving Officer, Remedial Officer)

Requirements:
  • Male, maximum 28 years.
  • Min. D3 any majors, IPK min. 2.75
  • Have a motorcycle and SIM C
  • Have the negotiation skills, good personality, honest, diligent, conscientious and initiatives.
  • Fresh Graduated / min 1 year experience in same field.
  • Placement: Denpasar, Banyuwangi, Malang, Blitar, Tulung Agung, Kediri, Surabaya, Sidoarjo, Gresik, Bojonegoro

Send CV and recent photograph and put code of position in subject email no later than October 31, 2011 to:
Budget Deputy Manager (BDM) - Credit Marketing Officer - Field Collection

Maximal attachment is 1MB

Lowongan Kerja Suzuki Finance Indonesia

Lowongan Kerja BNI Multi Finance

Lowongan Kerja BNI Multi FinanceLowongan Kerja BNI Multi Finance - PT. BNI Multi Finance formerly known as PT. Swadharma Multi Finance which is the transition from PT. AMEX BNI-Leasing was founded on 8 April 1983, and originally a joint venture between PT. Bank Negara Indonesia (Persero) Tbk. With American Express Leasing Corporation, the United States. In line with the resignation of American Express Leasing Corporation of leasing around the world, PT. Bank Negara Indonesia (Persero) Tbk. decided to acquire all shares of American Express Leasing Corporation and also change the name of the company, with the last change of company name into PT. BNI Multi Finance. lowongan kerja adira finance

Lowongan Kerja BNI Multi Finance

Credit Marketing Officer Motor (CMO – R2)
Surakarta (Jawa Tengah)

Requirements:

* Male / Female
* Minimum D3
* Having own vehicle
* Experienced in the field of finance and banking at least 1 year
* Understanding the motor finance market in the region of Surakarta
* Willing to work with target
* Communicative and have good numerical skills
* Able to build relationships with motor dealers (new / used)

Credit Marketing Officer Mobil (CMO – R4)
Surakarta (Jawa Tengah)

Requirements:

* Male / Female
* Minimum D3
* Having own vehicle
* Experienced in the field of finance and banking at least 1 year
* Understanding the auto financing market in the region of Surakarta
* Willing to work with target
* Communicative and have good numerical skills
* Able to build relationships with car dealers (new / used)

Complete application sent via pos no later than 22 September 2011 to:

PT. BNI Multifinance
Jl. Honggwongso no. 24 Solo – 57141

Lowongan Kerja BNI Multi Finance