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SUCCESS STORY ,
TITA AND HER MUSHROOM
Born on July 25th 1973, Tita Rosita has never thought that she would run a mushroom cultivation business with current monthly sales of Rp 70 million (approximately USD 7,000)—leaving her with Rp 20 million (USD 2,000) net profit every month, which is certainly more than enough for her to satisfy her family needs. This success of course takes a long and winding road.
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Microfinance Training & Study Visit
Micro Banking Training and Study Visit Program
China Postal Savings Bank (CPSB)
June 22-26, 2009


China Postal Savings Bank (CPSB), one of the five largest lenders with the largest financial network (> 36,000 savings outlets) linking urban and rural areas in the country, visited Bank Rakyat Indonesia to conduct an exposure visit on BRI Microbanking System, especially on the aspects of human resources management and training development. This is the third time in two years for CPSB to send representatives to a five-day study visit program in BRI. The group consisted of seven persons, all of whom are of higher managerial levels.

The program was divided into two parts: in-class presentation and discussion and field visit. In the first part, participants were involved in the discussion of such issues as BRI Microbanking policies and practices (micro credit operation, risk management, and internal control), BRI Human Resources Management (organization structure, recruitment and selection process, promotion, career path, compensation and benefits, and performance appraisal system), and BRI Training and Development (training policies and management, training needs analysis, curriculum design and development, training methodology, instructor’s qualifications, program evaluation, and e-learning).

The second part of the program, the field visits, was intended to enable the participants to see for themselves BRI’s offices and clients. Participants had enough time to visit BRI Regional Office in Yogyakarta, BRI Sleman Branch Office, BRI Unit Jombor and its borrower, as well as BRI Yogyakarta Training Center. In addition, they also had opportunity to have a close look at the biggest temple in the world, the Borobudur Temple—one of the Seven Wonders of the world.

The following are participants’ comments about the program:
•    Microfinance is profitable and could uphold a national wide bank
•    BRI’s success impressed everyone: the clear strategy, simple products, systematic training system
•    During the communication with BRI staff, everyone shows the dedication to work and prides of being one of BRI Staff.
•    BRI is already a modern commercial bank rather than a microfinance institution with standardized management mechanism, advanced training center and training organization.
 

One participant stated that as PSBC is still potentially growing, this visit really encouraged the delegation: good cooperation among departments and standardized training system can be good examples for PSBC to apply in the future.