Introduction
PT Bina Artha Ventura, a reputable financing institution serving Central Java and the DIY region, is seeking enthusiastic and motivated Petugas Lapangan (Account Officer) to operate in the districts of Pati and Juwana. The role is field‑based and focuses on empowering women from low‑ to middle‑income backgrounds by facilitating access to micro‑credit, fostering productive groups, and supporting the growth of micro‑enterprises. This is an excellent opportunity for candidates who enjoy direct community engagement, have a knack for problem‑solving, and wish to build a rewarding career in financial services.
Responsibilities
- Identify and approach potential partners, primarily women in low‑to‑middle income segments, who are interested in starting or expanding a small business.
- Organize and lead the formation of productive groups, each consisting of approximately 10 women, to create collective borrowing power and peer support.
- Assess creditworthiness, process loan applications, and disburse working capital to approved partners in accordance with company policies.
- Provide continuous coaching and business development assistance, ensuring that partners apply best practices in sales, inventory management, and financial record‑keeping.
- Maintain strong, trust‑based relationships with partners through regular visits, phone calls, and community events.
- Collect loan repayments on a bi‑weekly schedule, coordinating group meetings and ensuring accurate documentation of payments.
- Report field activities, performance metrics, and challenges to the regional manager, proposing corrective actions when needed.
- Participate in ongoing training programs to stay updated on financial products, regulatory changes, and effective community outreach techniques.
Requirements
- Minimum education: SMA/SMK or equivalent.
- Age: Up to 32 years old.
- Gender: Female candidates only.
- No prior experience required; fresh graduates with a strong willingness to learn are welcomed.
- Excellent communication skills and the ability to build rapport quickly.
- Basic marketing aptitude to promote financing solutions and motivate group formation.
- Problem‑solving abilities to address partners’ business challenges and devise practical solutions.
- Proficiency with mobile devices and basic office applications for data entry and reporting.
- Willingness to travel within the assigned districts and work flexible hours as needed.
Benefits
- Competitive base salary above the regional minimum wage (UMK) with performance‑based incentives paid monthly and semi‑annually.
- Clear pathway to permanent employee status through regular performance reviews.
- Annual religious holiday allowance (Tunjangan Hari Raya).
- Comprehensive BPJS health and employment insurance coverage.
- Daily fuel allowance for travel to field locations.
- Monthly motorbike service allowance to keep transportation reliable.
- Monthly communication allowance (pulsa) to support field communication.
- Structured training programs and a transparent career progression ladder.
About Company
PT Bina Artha Ventura is a leading financing agency that specializes in micro‑credit and group‑based lending solutions for underserved communities. Established with a mission to promote financial inclusion, the company partners with local entrepreneurs—especially women—to create sustainable livelihoods and stimulate regional economic growth. By leveraging a blend of modern financial technology and grassroots outreach, Bina Artha Ventura ensures that credit reaches those who need it most, while maintaining rigorous risk management standards. The organization prides itself on a collaborative culture, continuous learning, and a strong commitment to corporate social responsibility.
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