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Today is the last day I’ve been put at customer service. Alhamdulillah, I learn too many here. I’m happy even it’s quit challenging. So done customer service! J

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Hello guys, as everybody knows, BSN is a known company. And of course customer from other country use our service. I think to attend the customer from other country is very difficult to handle. Why I said this is because their English language is hard to understand. To be honest, I can’t understand so much what do they need and what do they ask and the processing also different from local people. It is very challenging. I’m very salute with the ambassador because they can handle this kind of people.

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Hi assalamualaikum. I’m still doing the same thing every day. Yah, in front liner we have to be smart, good looking and wearing formal attire. Customers are judging us. First impression is important in every company. If the customers look staff not in good ethical, customer will judge the company. And this can decrease the reputation of the company.

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6 days learn about customer service. Alhamdulillah I can attend customer but not in a big case. Bank has so many products. So, which problem I can solve by myself I can help the staff. Just in case too many customers come in one time, I have to be brave to speak and ask them what they need. Looks like easy, but we have to be ready what will going to happen if we begin to ask customer. It can be customer straightly scolded us, no matter what happen, we have to always ready.

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Hi everybody. Why is customer service important to an organization?

1)      Build trust

-          This day, people will only stay loyal to a company if they have very good reason to. Otherwise, there is plenty of competition available to move to. As a result we have to work even harder to keep customer and build their trust in our brand

2)      Brand awareness

-          Word of mouth is the most powerful ally we have in our side. Each customer who says about our work, company to others could break our business.

-          Keeps stay productive to keep customer spreading good news to the others.

3)      Reduce problem

-          Problems are always going to arise for any business no matter how hard we try to avoid them. If customers know that they can voice complaints and those issues will be handled properly, they will feel more comfortable doing business with you.

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Skills that we need to have in customer services

-          Patience

-          Attentiveness (the ability to really listen to customer is so crucial for providing great service for a number of reasons)

-          Clear communication skills ( we need to explain them clearly)

-          Knowledge of the product

-          Ability to use “positive language”

-          Time management skill

-          Ability to  “read” customer

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Hello, so today I’ve learn to memorize all the options in the machine. BSN becomes more systematic and now they use very high technology machine. Here we have VTM machine (virtual teller machine) where customer can make their transaction by using this machine. This machine is actually same like we attend to the staff at counter. But the different is customer making a conversation by video with the staff. This kind of innovative can help to reduce the traffic in counter. To be honest, not much people know how to use this machine. But I’m sure for future people will accept this innovation.

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Good evening everybody. I think this kind of job is very challenging. The reason why I’m saying this is we need to satisfy the customer. Not all customers can understand our job.  Usually customers that come to the bank like to condemn and complain the workers while us trying to do the best for them. And I think I will not forget about what happen in this morning. Three men came to the counter and they scolded us in the same time.  I don’t know what I feel actually, I feel mad, funny and annoyed. Second day I’ve been there and I had to face those customer who very clumsy.  It was very funny. Good experience actually. I enjoy this job J

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Hi, for these two weeks I’ll be continue my learning session at customer service. I enjoy this kind of job because from this job we can learn so many things here. The most important thing in customer service is we need to know ALL the bank’s products. Thus, we also need to know every place in this building. We’ll be having a big problem if we do not know anything in this company.

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Holiday

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Hi. what a great experience today. all the staff have been given a task to open the booth where student may open an account . Almost 300 students that open the account for saving. The students are MTD students ( Maktab Tentera Diraja) . Actually they have been given an allowance RM 480. With agreement from schools and parents, the allowance will be divided into 2 account, 1 for ssp and 1 for saving. This kind of way can encourage student for not to spend their money to negative purpose.

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Today im not going anywhere. im just finish all the works in the office. For this time, i'm going to search the data of students that already have an account BSJ. This is for completing the information for all students. This way can help us to search the data when needed. All the details are complete. so if anything happen to the students, we can just search the name and all the details are in there.

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Venue : SK Polis Depot
- Open promotion booth
- PPKI student pendidikan khas intergrasi
- SKIM GALAKAN SIMPANAN PELAJAR (SGSP)
*is a channel for student to have a saving
*almost 500 million MYR collected
* BSN will give an appreciation for savers
- award will be give every years

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hi, today im going to SJKT Fletcher . As i said before, the purpose of go to the schools is to open an account for students. So what we are going to do after this are :
1) collect money from student
2) fill the form - student details
3) get student thumbprint

*teacher who in charge for this event have to inform to the student to bring the money for saving.

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Conditions of participation:
1) this scheme is open to primary and secondary government school students in the whole country
2) Only BSN Saving Account holders are entitled to participate in this scheme
3) student participation is through school's supervising teacher or individually at any branch.

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Requirements to become a BSJ Member :
1) Open to all Malaysian students aged 7-20 years old
2) Has a BSN Savings Account
3) Maintain a savings amount of RM 150/ RM 300/RM 500

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Assalamualaikum, this two weeks im going to having my learning session in student deposit. there we go .....
For basic in student deposit, we have to know that we focus on students to open their account and reveal them about the benefits of BSJ mmbers (Bank Simpanan Junior)

BSJ members benefits :
1) FREE membership card and enjoy discounts at any BSJ merchants.
2) PARTICIPATE in fun activities such as :
- camping
- leadership and motivational courses
- sports clinic
- education seminars
- other activities
3) 24 HOURS COVERAGE under the Group Accident Insurance/Takaful Scheme.

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Hi, im just finish all the office task today. There is no working outside today :)

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OFF DAY !!

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Happy Wednesday. so today all the staff in deposit were went to PDRM. Anyway this is my first time get into Ibu Pejabat Polis Bukit Aman. No picture captured because all visitors who come to this place are not allowed to brings any gadgets. The reason why we were there was we opened a booth for all staff in there to apply SSP. Here, we can see that we help the staff which they don't have to attend to the branch to apply the SSP.

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What do we need to terminate the agents?

1)      Company stamp

2)      Post terminal – check battery, sam card, sim card
3) Termination form

- Compliance: every state must have (1 agent- 1 compliance)

*ask agent about their SSM(permit perniagaan) -  when the due date

- Every month , 6 convenience. (depends on state)

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·         Before staff go out from office, they have to make a list which shops should they go. EBB staff usually will go out to terminates the agent, doing observation and visits the EBB and asks them if they have any problem.

·         Every agent has their own target. They have to achieve at minimum transaction 150. If they were not achieving the target, they will categorize as poor achievement. When this problem are occurs, staff that in charge for selected place will go to their shops and give an advice for them to increase their transaction. If the agents still at low performance, staff will terminate their agent.

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Steps:

1)      Customers come to EB BSN premises.

2)      Bring cash, BSN card and My kad

3)      Choose provided transaction

4)      Accept transaction receipt

5)      Customer sign the receipt as an evidence of transaction

6)      Transaction done

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Benefit of EB BSN to the customers:

1)      Save cost and time – EB BSN operate at grocery nearby the resident.

2)      Easy and wide accessibility to all customers

3)      Operation hours is flexible and longer from 8AM to 10PM (depends on operation hours that assigned by EB BSN)

4)      Transaction will be done by online and punctual.

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How does EB BSN operate?

1)      Every transaction that running in the EB BSN premises using Point of Sale (POS) machine completed  with *GPRS wireless .

2)      To begin the transaction, customer have to confirm their IC number (PIN) and biometric except transaction of prepaid top-up , bill payments, savings (deposit).

3)      Receipt will be printed to show that the transaction were done.

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Services that offered by EB BSN:
1) Savings

2) Withdrawals

3) Bill payments

4) SSP Savings

5) Payment without cash

6) Opening new account

7) Prepaid Top-up

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Happy monday !!! so this two week im going to learn about EBB - ejen bank berdaftarEB BSN is an agent that formally appointed by BSN to offer bank accessing services to customer on behalf of bankers. By EB BSN, customers can make their bank transaction with safe and convenience.  Most of EB BSN was operating in their premises such as grocery, telecommunication shops or petrol station nearby residential.  For customers who have no any bank facilities especially who stayed at sub-urban, EB BSN is providing bank accessing services for customer convenience.

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Today im going to complete all the task in the office . So , there will be no outdoor activity 😇

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Bundling online will be given to the staff who in charge, so the staff have to check all the information. All the information must be complete. The copies will be key in into bundling online, thus the original will be collect into filling.

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KEY IN DATA (ANUGERAH EMAS MENTERI PENDIDIKAN)

For those who have BSN card (students), Ministry of Education had offered SSP to the student. (Link with bank). In this dealing progress, government ask BSN a contribution to give to the students. Amount RM 200 will be given to the student in SSP certificated. Student may take out all the money after 45 days received the contribution. But the SSP certificated will be terminate.

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·         Today I’d checked ‘Borang Pemprosesan dan Penyelenggaraan Kad’ for promotion counter.

·         I’d checked CIS also : important to check their sign and phone number

·         In the evening, I follow one of the staff went to branches. The purpose of outing is to send the SSP to the branches

*government give a bonus RM1000 to the workers who have good performance in their task given.

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Hi, I’ve change to another department for this week. I’m going to deposit department.

In this department, they are responsible to manage all these 5 items:

1)      Giro

2)      Giro-i

3)      TD – term deposit

4)      TD-i

5)      SSP

So today I’ve learned about CIS (customer information system). This system was created to check the detail information of customer. All what we need are in there such as an address, phone number, customer’s account and others.  What I did for today is I was gave one copy of customers’ name. There are almost 100 customers to be checked. This is because sometimes the information is wrong either they come from customer or banker’s. Usually the mistake is like different IC number and wrong army card number.  So, I need to check each person to make sure the data have proof either the information right or wrong.

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BSN MyHome (Program Perumahan Rakyat)

BSN MyHome (Program Perumahan Rakyat) is designed to help those who are self-employed or with

irregular income to own a home.

Requirements

» Malaysian citizen aged between 18 to 60 years old.

» Individual / Joint Applicants.

» Proof of self-employment.

» Minimum Income RM 1,000.00 per month.

» For financing of first home and for own residence only.

» Financing only for low cost or average properties.

Features & Benefits

» Financing up to RM 120,000.

» Interest rate of BR + 3.00%.

» Financing margin up to 100% (inclusive of MRTA / MRTT & TLRT).

» Financing period up to 35 years.

Note:

» Current BSN Base Rate (BR) is 3.95% (with effect from 21st July 2016).

Late Payment Charge

» Monthly Installments in Arrears × 1% × Number Of Day Overdue ⁄ 365.

Stamp Duty

» Principal Documents - Will be charged on ad valorem basis.

» Other Documents – RM 10.0

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OFF DAY !!!

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Additional information

1) Developer – 10% booking

2) Sub-sale – Agent Deposit (3%). Once loan has been accepted (7%)

*if customer get full loan, usually agent will give back to the customer 10%

Lawyer

- SPA ( sales & purchases )

- Stamp duty (income tax)

- LA (loan agreement with bank)

e.g

1) Developer – customer have to make sure that the developer have link (panel) with the bank. If the

developers have no link with the bank that they ask for loan, the application will be not accepted.

2) Sub-sale - freedom but LA (loan agreement) must take from BSN.

Islamic banking – have ceiling rate (max rate 10.85%) if BR increase.

Loan can apply up to 70 years old, but there is terms and condion:

- salary must be more than RM 8000

- landed house only

MRTT / insurance: depends on ages. If the customer is sll young, the insurance can be lower

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Document Required

Ø  BSN application form

Ø  Copy of NRIC

Ø   A valid marriage certificate

Ø   Salaried Applicant / Co-applicant (spouse only)
-  Latest 3 months’ Salary Slip

Note: For single application, spouse of applicant must submit a copy of latest Salary Slip

·                   Latest 3 months’ bank statement

·                   Latest 6 months’ Salary Slip and bank statement (other income)

·                   EPF statement

·                   Employer Confirmation Letter

Ø  Self Employed Applicant / Co-applicant (spouse only)

Company’s registration (SSM)

·                   B/BE Form + LHDN Receipt

·                   Company’s Financial Statement

·                    6 months’ company bank statement

·                   Other documents i.e site visit report etc.

Ø   Proof of purchase consisting of a copy of Property Sale and Purchase Agreement(S &P), which has been stamped. If the S&P has not been completed, the deposit receipt /pro forma purchase orders is acceptable for the purpose of approving the application

Ø   A copy of valuation report (for the purchase of completed property from individuals / non-developers) of BSN panel valuer

Ø    Master / Individual title (if any)
»  Statutory Declaration (SD) for the purchase of the first house and self-occupied
(Note: Statutory declaration must be signed by the applicant and co-applicant/ spouse)

Late Payment Charges

Monthly installment in arrears X 1% X Number of days overdue / 365

Stamp Duty

Ø  Principal Documents - Will be charged on ad valorem basis.

Ø   Other Documents – RM 10.00

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BSN MyHome (Youth Housing Scheme) - designed to help married youths own their very first home with ease.

Features

·         This facility is offered for financing the purchase of either completed, under construction or sub-sale properties

·         100% of stamp duty exemption on the transfer of ownership and facility documents.

·         The government is also to aid monthly installment of RM200 per month that will be credited to customer’s financing account for a period 2 years, from the date of first disbursement to the developer/vendor

Property Price

·         Minimum: RM 100,000.00

·         Maximum: RM 500,000.00

Margin of Financing

·         Property: Up to 100% of the purchase price / market price (whichever is lower).

·           MRTA: Up to maximum 5% of the purchase price/ market price (whichever is lower)

Loan period

·         Minimum: 5years.

·         Maximum: 35 years (subject to age limit of not more than 65 years old at the end of the loan period).

Interest Rate

·            Pricing range between BR+0.60% up to BR+3.00% subject to customer’s profile and property location.

·            For loan amount of RM 350,000.00 and above with 30 years of loan tenure and no lock-in period, the indicative.

·            Interest rate is BR + 0.80%*. (Applicable for NZEC package only).

·            Current BSN Base Rate (BR) is 3.95% (with effect from 21st July 2016).

*Subject to terms and conditions

Criteria

·         Malaysian citizen aged 25 to 40 years old (subject to age limit of not more than 65 years old at end of tenure).

·         Married with household income no more than RM10,000.00 per month

·           First time purchaser
»   Individual / Joint Loan
»   BSN GIRO / GIRO-i account holder
»   Proof of purchase

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Friday

There are some items should be collect customer to make a loan:

1) IC

2) Pay slip

*if customer’s salary have OT@ commission- 6 months

*if customer’s salary under government @ constant salary – 3 months

3)  Bank statement (depends on pay slip)

4) EPF

5) Confirmation letter

6) Sales form (from developer)

7) Brochure/flyers

8) Title (land grant)

Title can be categorized as:

1) Freehold – pegangan selamanya

2) Lease hold – pegangan pajakan

Titles also have 2 types:

1) Master title – Grant is under developer (tak tukar nama lagi)

2) Strata @ individual title – high rise build (condo/apartment) , landed (semi-D/lot)

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Thursday

What is the implication if customer refuses to pay the debt?

1) Late payment charge referred to Ta’widh (ganti rugi) will be calculate as below:

In period of payment:

Outstanding monthly installment X 1% Days of outstanding ÷ 365

After settle the payment:

Remaining balance X Days of outstanding ÷ 365

2) The Bank has the right to set-off any credit balance in your account at any bank to settle any outstanding balance subject to prior notice is given to you seven days before deduction implemented.

3) Legal action will be taken if you fail to respond to reminder notices and legal costs will be borne by you.

4) Legal action will be affects your credit rating leading to credit being more difficult.

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Wednesday

Conventional – Myhome

Islamic – Myhome-i

*the bank rate is same between conventional and Islamic. Butthe distinguishing between both of them is ‘akad’.

Remortgage – (settle loan)

Refinance – (non-settle loan)

1) Bank BSN (NZEC -  non-zero entry cost)

Customers have to pay all the items by them self:

- Legal fees

- Duty stem

- Disbursement

2) Others bank (ZEC – zero entry cost)

Customers get free:

- Legal fees

- Duty stem

- Disbursement

- Valuation report (not for developer-under construction)

ZEC – log in period = 5 years

• In 5 years period of loan, customer are not allowed to :

- Refinance

- Full settlement

- Sell back

*customer can do all the above case but the penalty will be imposed.

NZEC – freedom

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Tuesday

Re-financing. Why? What’s the purpose of?

1) Decrease the monthly payment

2) Less the period payment

3) Long-term saving

4) Get the money surplus

5) Do an investment

6) Medical fund

7) Starting the business

8) Debt settlement

9) Exchanging the package

How to calculate the refinancing?

e.g : remaining debt RM 40,000.00

Bank can release the amount to the customer is depends on the market value of the house.

Let say the market value is RM 70,000.00

RM 70,000.00 x 90% (bank will never give full loan)

= RM 63,000.00

RM63,000.00 – RM 40,000.00

= RM 23,000.00

We can see here that, there is surplus RM 23,000.00. Customer can do anything that they want like I mention above.

*the period of loan @ refinancing by looking at the age (max 65 years old @ 35 years)

*rating will be change (sometimes customer do refinance is to get lower rate that offer by bank)

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Hello , this 2 weeks im going to learn about mortgage . So this is basic info that we should know about mortgage.

BSN MyHome (Residential Property)

Loan Options

» For purchase of new residential house or residential house under construction
» For purchase of completed new residential house purchased from its owner
» Mortgage refinancing
» For purchase of bungalow lot and building the house thereon
» For purchase of shop house or commercial lot

Requirements

For Individual / Joint Applicant
» Malaysian citizen aged 21 years old and above (not exceeding 70* years old at the end of loan period)
» With regular income and capable of making repayment
» With proof of property purchase or owns a property
» Property located in ¹MF 6 and above areas
» Under Construction Property and Completed Property

Notes:

»  *Eligibility for age limit of 70 years old is subject to Bank's Terms & Conditions.
»  ¹MF: Marketability Factor.
»  ²Terms and Conditions apply.

For Organisation

» Organisations; either sole proprietor, partnership, private company or public company owned by Malaysian citizen
(under the Partnership Act 1961 or Company Act 1965)
» Operated for at least two (2) years
» Stable financial record

Mortgage Refinancing Package

Refinance your property for extra funds and enjoy a cost-free transfer. The value of refinancing will be between your current home finance and current property value.

Notes:

» Cost inclusive of legal fees, stamp duty, charge cost and property evaluation cost.

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Haiii !!! Today is the last day of ASB learning session. Huhu . Distribute the flyers again 🤑

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Happy Thursday !! These are some of method that customer can do in ASB.

1) Pay for one year only :

Let say customer apply for 100k – tenure 30 years

Rm 556 x 12 = Rm 6672 (annual payment)

Rm 100k x 7.5%(dividen) = Rm 7500 (annual dividen)

7500-6672=828

*Here we can see that there are surplus amount Rm 828

*All the processing will be rotate with the same method  (bring the dividen out to pay whole year of second year and next year until maturity.

ASB (PNB)

All the dividen will bring to the BSN account (loan)
🔻
BSN

(LOAN ACCOUNT)

Dividen transfered

2) Pay for every month (compunding) :

Let say customer apply for 100k – tenure 30 years

Rm 556 x 12 = Rm 6672 (annual payment)

Rm 100k x 7.5%(dividen) = Rm 7500 (annual dividen)

❖ Second year  Rm100,000.00 + Rm7500 = Rm107,500.00    Rm107,500.00 x 7.5% = Rm 8062.50

❖ Third year Rm107,500.00 + Rm 8062.50 = Rm 115,562.50

Rm 115,562.50 x 7.5% = Rm 8667.20

❖ Next year will be the same method

3) Saving and  loans:

Let say customer apply for 100k – tenure 30 years

Saving - Rm20k (ASB)

Calculation :
Rm20k + Rm100k = Rm120k

Rm 120k x 7.5% = Rm 9000.00 (dividen first year)

*Method calculation will be the same with without saving

​

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Happy wednesday !! Im going to post about the terms and condition of ASB Loan .
- minimum RM 10,000
- maximum RM 200,000
- minumum bayaran balik 5 years until 30 years or up to 65 years old .
- BR + 1.35% = 5.3% (government akaun gaji dengan BSN)
- BR + 1.4% = 5.35% (others applicant)

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Hello . So today i went out with the staff . Sign LO !!!! 🤑
🌟Gift from BSN - to show our appriciation and create the satisfaction towards customer

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🌟 Qualification :
- All ASB investor which qualified under ASNB guideline.
- Age must be 18 years old until 65 years old .
- Permanent staff or self-employed .

* cash voucher (self-employed) - can be apply max loan 30k eventhough they have high salary .
- cust can apply more than 30k , but they have to pay for 1 year lumpsum , for example loan rm100k , pay for one year lumpsum Rm

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Advantage of ASB :
1 ) Only for saving - get certificate of asb
2 ) Saving and loan - people get will certificate of asb , compensation , insurance .

*Just in case the death occurs , ASB will be fully returns to the family .

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Today i had learn about the most genius technic of ASB .
1) Penggubahan - use the existing saving to gain high and best returns .
2) compounding - use the dividen to invest again to get more returns .
3) Fast technique - to get maximum loan, at the same time people haven't sources of money and need a minimum commitment.
4) Rotate technique - limited money budget .

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Hi guys . Today is tuesday , so as i mention yesterday , im going to learn about asb . Actually im quiet interesting with the ASB . I know that not many people are agreed to make a saving instead of they use the money . But i think if we use the money in better way so that we will get the satisfaction soon . Let me explain a little bit about the dividen that we get from ASB .

DIVIDEN :
🌟 Expenses - we can use the money for example purpose of children expenses
🌟 Payback - from the dividen . We can use the money to rotate annual payment for the second year . Means that after year 1 we dont have to pay the monthly payment . We only use the dividen for pay the second year (lump sum)
🌟invest again - let the money work for us .

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Assalamualaikum . I had finish my learning session of government personal loan . So this week im going to start my learning session which is ASB or in other word Amanah Saham Berhad . This is an info of ASB :

1) no log in period ( tak ada tempoh matang)
2) max loan 30 years
3) max age 65 years old
4) mac loan 200k
5) bumiputera
6) pemohon must be above 18 years
7) insurance
8) convensional
9) asb book (blue colour)
10) dividen asb - have compounding

For additional information , all sales executive here must go out from the office and distribute their brochure . At BSN , they dont hire an agent to do this job . So most everyday we will go out and distribute the brochure .

Meeting

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Friday friday !!!! Penghulu segala hari 😍 . Yeahhhh we are on our way to kraftangan . There , staff from bsn that in charge for ssp doing their promotion for workers in there .

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Hello guyss .....todayyy i went to upm . Like usual . Distribute the brochure to the room of lecturer . Hihi .

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Hai everybody , so today i just stay at office . I work as an assistant to the one of the staff here . She's going to settle all the document . She have plenty of aggreement must be sign by the customer . I just help her to make sure all the document complete and can be sign by the customer later .

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Credit card : depends on cust salary . For example Rm 2000 X 12 month . This is how we state which card customer can get .

For those who are business man , the terms for applying this credit card . They have to give banker
1) SSM
2) payslip (3bulan)
3) company must established 3 years and above.

Limit users :
3 times gross salary .

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Eg calculation :
1) pinjaman X interest (%) = interest
2) interest X tahun bayaran = interest (whole year )
3) interest (whole year) + pinjaman = total pinjaman inc interest
4) total pinjaman / bulanan = monthly payment .

This is how they calculate the amount for personal loan .

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Finallyy !!! Friday ! Hahaha . Okay .......  today i learn about their own target . So the target is :
1) BSN credit card (4)
2) Cash shield (4)
3) penulisan surat wasiat (4)
4) personal loan (1.4million)

Cash shield -  insurans rompakan peribadi . Cth : rompakan , ragut (up to rm10,000 for claim )

Time to gooooo !!!! Distribute flyers

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Hi uolllss , okay like usual , today i follow one of the staff here to see her customer. Actually, im not only follow her , but i learn how she communicate with the customer . For people information, customer have so many 'ragam' . But we as a worker, just do what we have to do .

Tadaaaa !!!! Atas kereta pun bolehhh . This customer is a professor of um . He is the one of customer which very particular and busy person . After we met the customer , then we continue our work . Distribute the flyers !

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Hi everybody ! huh, i have a new experience today. Actually, sales person is one of the jobs that people should throw away their shy feelings. whoever you are as an example 'executive sales' they have to do the same method. which they have to go somewhere and distribute the brochure. so today, i'd been brought to Putrajaya. There, we all  work together to distribute the brochure. to be honest, I don't care about the task, because this is the way all the sales workers find their "rezeki". so nothing to be shy. just do the job !!

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Hello Tuesday !!Today I went out again. I follow one of the staff here. Today I follow her to take the document of customer that apply for credit card. After collect the document I've been brought to the branch to see how they work.

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JURIS – “check processing” about customer

Steps  : 1) Fill in the information

2) Pre-screening (save)

3) Checklist (application creation checklist) – save

4) Credit info (CCRIS)

5) Request report (decision) – to make sure the customer
telling the truth

*CCRIS  - monthly payment (commitment@hutang)

- combined all the banks

*To gain information of the customer, whether their company have “Badan berkanun”, call the company first, if the company have it, so the customer will be process under government sector.

CCRIS
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Today I had learn about specific criteria to make a loan.

1.       Personal    : Tenure – max 10 years payment

2.       Mortgage   : (i) Residential  - max 35 years self-occupation

- max 20 years for investment

(ii)  Commercial - max 20 years

e.g: customer buy shops lot

3. Auto                    : - min 18 years old
- max 9 years ‘new vehicle’
- max 12 years for reconditioned/use car

4. Credit card       : - min 18 years old (supplementary)

- Minimum salary (annual gross salary-Rm24k)

- Annual gross salary less than Rm 36k only can
hold 2 credit cards only

5. Micro finance (pinjaman perniagaan) : max tenure 5 years

After having my lunch, one of the staff here asked me to follow her. As we know, as a sales person, they will go out from office to meet the customer.

Tips (save money) : 1) Dealing with the customer on hand phone

2) If they agree “ask them to prepare all the
document needed"
3)  Collect the information (appointment with the                customer)

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HAPPY THAIPUSAM !!!!!!!!!!!!!!!!!

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Hello!!! Happy Wednesday . So, today I’m starting my work at new department “sales department”. To be honest, there are lesser staff compared to operation department. This is because everybody in here have to go out to have their appointment with the customer. Nothing much I learn today, but I think its quiet interesting when we study about bank. For now I’ve been placed at personal loan for private sector department. There are some terms that I had learned.

PERSONAL FINANCING
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Hello . Such a happy day today 😍. Today i've learn a little bit about key in the data . Actually this work is about the teller's responsible . They key in all the cheque into the system and at last they do the balancing of the account . Its quite easy but they have to have a full of focus while doing the progress . This is because when once they put a wrong account number or cheque number , it will cause a very big problem to the company . This is what we call 'MONEY' is everything . It can give us happiness and it also can give us a suffer .

Yah ! As we know today all UMK student get the result for last semester . Alhamdulillah , i get the dean list again ❤️🙊 Im so happy for today . But the another happiness that i get for today is Pengarah Negeri Kuala Lumpur of BSN was call me 😰 I wonder what she's going to asked me . After we having our conversation . She said that i will be transfer at another department which 'Sales Department' . It's sound crazy, but i think this is an opportunity for me to learn more about banking . This job can also train me to be more confident to communicate with other people .

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Hai assalamualaikum . So , today is my first day intern . Quiet nervous actually but so far everything went well . For beginner, there is no task given . One of the staff from administration department make a schedule for me . From the schedule given , i'll be training at different department . There are 7 department will be change . So from here i can say that, there are so many things that i can gain from this training . I enjoy this intern . All the staff in BSN are very friendly . I know this field of work are very different from our course but it is not wrong if we want to try a new environment and new experience . So happy working !! 😍

Here some input that i get from what i learn today :

🌟 Prosedur Tuntutan Kematian
1) syarat syarat tuntutan
- penuntut - waris sah - hadiah ssp -         jenis akaun - kategori tuntutan
2) kaedah tuntutan
- tuntutan dengan penamaan
- tuntutan tanpa penamaan