Jobdesc :

1. Analyze market trends in various industries in Indonesia and identify focus areas for investments (We are looking for nascent industries in Indonesia that have young startups but the potential to grow rapidly in the future)

2. Find and meet with companies/startups in the said nascent industries that are looking for investments

3. Help due diligence processes of companies under consideration for investment by analyzing financial data, interviewing users, making presentations, etc. 

4. Help support portfolio companies' growth post-investment by helping with business development, etc.

5. Interpretation (to support Japanese Expats, interpretation at the meeting, and communicating with Japanese customers) and Translation of documents.

6. Business assistance (survey/preparation for lists/documents, making appointments via telephone, accompanying to the seminar/meeting)

• Melakukan pemasaran dan branding produk perusahaan secara Digital
• Mengelola sosial media seperti website, facebook, IG perusahaan, dll
• Melakukan promosi sebuah produk melalui channel digital
• Melakukan konsep dan rancangan distribusi content campaign marketing di sosial media
• Mengkaji dan meningkatkan efektivitas kegiatan pemasaran digital yang telah dilakukan dalam menjangkau kelompok pasar yang dituju,

• Identify and evaluate potential business opportunities, assessing market trends, competitor analysis, and customer needs
• Develop and implement comprehensive business development plans, including strategies for market entry, product positioning, and sales growth
• Manage project lifecycles from initiation to completion, ensuring timely delivery, budget adherence, and quality standards
• Collaborate with internal teams, including sales, marketing, engineering, and operations, to ensure alignment and support for business development initiatives
• Build and maintain strong relationships with key stakeholders, including potential customers, partners, and investors
• Plan and execute events, conferences, and roadshows to showcase company offerings and expand market reach
• Contribute to the development and execution of overall business development strategies
• Conduct market research and analysis to identify new business opportunities
• Prepare presentations and proposals to potential customers and partners
• Track and analyze business development performance metrics to measure success
• Stay up-to-date on the latest industry trends and best practices

As a Talent Management intern, you will support the implementation of human resource strategy specifically in the areas of talent management, succession planning, organizational development, performance management, and project management with the objective of establishing the best place to work and empowering A-Team to achieve the best version of themselves.

Responsibilities:

• Assist operational and administrative support for Talent Management and Organization Development activities such as performance review processes, organization structure and job description updates, succession planning and talent development preparation, etc. for both in Head Office and Field Office
• Support administrative tasks for Employee Assistance Program
• Helps administrative tasks and journey for Management Trainee programs
• Manage data and leverage analytics to measure impact of talent actions
• Involve in related TM projects and collaborate with other People & Culture teams to explore and identify potential improvement
• Involve in employee assessment and data processing

• Fresh graduate from any major, preferably from Industrial Engineering or Psychology
• Passionate in organizational development and talent management matters
• Attention to detail and familiarity with data processing tools (Excel, Spreadsheet, etc.)
• Possess can-do attitude and growth mindset
• Analytical and creative problem-solving skills
• Able to work both individually and collaboratively
• Nice to have exposure in project management

Market Research:

• Conduct in-depth market research to identify industry trends, market opportunities, and competitive landscape.
• Gather and analyze data on consumer demographics, preferences, needs, and buying habits.

Business Plan Development:

• Develop comprehensive business plans that outline the company's strategic direction, goals, and action plans.
• Collaborate with various departments to ensure alignment and feasibility of business plans.

Financial Projections:

• Create detailed financial models and projections to support business planning and investment decisions.
• Analyze financial data to forecast revenue, expenses, and profitability.

Strategy Execution:

• Oversee the execution of strategic initiatives and business plans, ensuring timely and effective implementation.
• Monitor progress and performance against strategic objectives, adjusting plans as necessary.

Reporting and Analysis:

• Prepare detailed reports and presentations for senior management, stakeholders, and investors.
• Provide insights and recommendations based on research and analysis to support decision-making.

Collaboration:

• Work closely with cross-functional teams, including marketing, sales, finance, and operations, to ensure cohesive strategy execution.
• Act as a liaison between the company and external stakeholders, such as investors and partners.

Continuous Improvement:

• Stay updated with industry trends, best practices, and emerging technologies to continuously improve business planning processes.
• Identify opportunities for operational efficiencies and strategic improvements.

• Education: Bachelor's degree in Business Administration, Finance, Economics, or a related field; MBA or relevant master's degree preferred.
• Min 2-3 years of experience in business planning, new market entry, financial analysis, market research, or a similar role.
• Experience working in a fast-paced environment, preferably at a management & business consulting, startup or high-growth company
• Excellent research skills, strong analytical abilities with the ability to analyze complex data sets, identify trends, and derive actionable insights
• Proficiency in financial modeling and analysis
• Excellent written and verbal communication skills, with the ability to present findings and recommendations to stakeholders at all levels of the organization.
• Ability to work collaboratively with cross-functional teams and stakeholders to achieve common goals
• Project management experience
• Technical Proficiency: Proficient in Microsoft Office suite (Word, Excel, PowerPoint, Outlook) and other office productivity tools

Kolaborasi dengan Functional team

As a People Event and Special Project Intern, you'll lead exciting projects to create impactful events that enhance our brand and employee experiences. You'll collaborate with teams to bring innovative ideas to life, focusing on large-scale events and new, highly requested experiences.

Key responsibilities:

• Event Planning & Execution: Lead and assist in planning and executing impactful events that enhance our brand and employee experiences.

• Innovation & Creativity: Collaborate with various teams to develop and implement innovative ideas for large-scale events and new, highly requested experiences.

• Project Management: Coordinate and manage logistics, timelines, and resources for successful event delivery.

• Brand Alignment: Ensure all events align with the company's brand identity and messaging.

• Promotion & Engagement: Create promotional strategies and materials to drive participation and engagement.

• Feedback & Improvement: Gather and analyze feedback to continually enhance future events and experiences.

• Ambitious PR/Marketing Graduate. Has Leadership and organizational experience.
• Skilled in managing projects, especially events involving multiple stakeholders.
• Strong project management abilities: planning, multitasking, time management, and delivering results.
• Creative thinker who thrives on innovative solutions.
• Passionate about people engagement and creative event design.
• Expert at crafting high-quality pitch decks.
• Proficient in Google Suite/Microsoft Office, with a focus on data management and analysis using Excel/Google Sheets.

• Reporting to the Project Director - work as the Project Manager (PM) on various management consultancy projects in the Region, carrying out required PM functions to ensure Asset Management projects for clients are delivered in line with our project governance requirements.
• Provide support to senior consultants within the Region’s delivery team in the writing of documents, gathering of technical information, to deliver our asset management transformational projects while strengthening knowledge in Asset Management and learning consulting skills.
• Provide translation support (written and verbally) between Bahasa Indonesian and English languages.
• Provide support to the Regional Director in the management of the Region’s financial and work management activities such as invoicing, procurement, utilisation of staff by accessing and working with internal information systems such as Microsoft Dynamics 365.
• Track projects against scope and budget and provide timely progress updates to the Project Director and client.
• Produce accurate and well-evidenced reports and presentations that are consistent with our branding and internal best practice.

• ​​​​​​To review buildability of IFC drawings and contractor's shop drawings in terms of electrical aspect.
• To manage the contractor's team during pre installation, installation and post installation.
• To be responsible for overall project management in ensuring the quality, cost, statutory, safety and environment issues and project scheduling requirements are met.
• To support with the establishment of the overall success criteria for the project, including time, cost, technical and performance parameters.
• To identify and ensure that the appropriate line manager is aware of quality, safety, health and environment issues.
• To maintain effective project governance, processes and systems to be utilised throughout project.

1. Bertanggung jawab untuk menangani kebutuhan dan kebutuhan pelanggan sehari-hari                         

2. Bertanggung jawab untuk menindaklanjuti pengiriman PMC dan status mutu                                  

3. Bertanggung jawab untuk memproses pesanan by sistem pelanggan                                            

4. Bertanggung jawab untuk menempatkan pesanan internal kepada PMC                                          

5. Bertanggung jawab untuk menjaga hubungan dengan pelanggan

• Menyusun dan mengelola jadwal Bussines Manager
• Menyiapkan dokumen dan presentasi untuk rapat
• Mengatur dan mengoordinasikan pertemuan, konferensi dan acara bisnis lainnya
• Membantu dalam perencanaan dan pelaksanaan proyek-proyek bisnis

Your Career

As a member of the Palo Alto Networks Channels team, you will be responsible for delivering our initial customers and growing the territory. You will be responsible for managing your territory to deliver above quota sales performance. Palo Alto Networks has chosen to go to market with Security Focused Channel partners; you will be responsible for identifying and signing appropriate channel partners.

Your Impact

• Manage sizable commercial (Non Named Enterprises, Midmarket & SME) business in Indonesia

• Must have experience handling commercial accounts and partners in Indonesia

• Understands the power of channels and has strong channel CXO level relationships with both T2 partners and Distributors

• Experience in both direct and  channel sales a plus

• Territory business planning and execution - understands and has executed partner programs and incentives

• Technology orientation and can articulate well at CXO levels

• Proficiency in driving growth through the process - By leveraging Partner Account Planning, marketing, channels, etc.

• Strong exposure in working with Inside sales team and is seen as a territory leader

• Great communication and presentation skills

• Proven track record by exceeding business quotas regularly for the last 2+ years

• Achieved recognition such as Chairman’s Club, Best Sales Leader, Best Account Manager 

• Researching and creating weekly two-wheeler market news (OEM, regulation, mobility trends and start up, and potential customers).
• Assisting with research and cultivate information related to two-wheeler.
• Supporting in administrative duties related with two-wheeler division
• Supporting marketing activities
• Supporting market research based on data

• Coordinating and overseeing regular building maintenance and repairs.
• Managing and directing cleaning and security staff and activities.
• Preparing and carrying out emergency protocols and procedures.
• Maintaining a safe environment for building occupants and visitors.
• Preparing and monitoring maintenance budgets.
• Negotiating and liaising with third-party service providers.
• Conducting regular building inspections and preparing reports.
• Ensuring facilities are in compliance with applicable policies, regulations, and building codes.
• Responding to inquiries and requests by building tenants and resolving any problems or issues.

• Bachelor's degree in any field.
• At least 4 years of experience as a building manager or in a similar role.
• Knowledge of relevant laws, regulations, and building management.
• Excellent project management and negotiation skills.
• Good communication and customer service skills.
• Strong critical thinking and problem-solving skills.

Marketing :

• Support management of database for ATM location
• Support customer service activities for company's clients and customers
• Support preparation of survey activities to find potential ATM locations
• Support admin related tasks such as making approval memo and invoice
• Support other divisions tasks if neccessary

Planning :

• Generate company's business strategy and budget
• Review the progress of the business plan
• Optimizing company's organization structure
• Facilitate company's corporate meetings
• Reporting to shareholders
• Analysis financial/operational data to find issues to be improved
• Control company's funding, including funding from other parties
• Coordinating with related division for arranging corporate events (board meeting, sharehokders, etc)
• Finding business partners for company's business development
• Develop company's marketing strategy
• Develop product/service for customers

Tanggung Jawab:

- Mencari pelanggan baru dan mengembangkan pelanggan lama

- Memupuk hubungan baik dan menanggapi keluhan pelanggan

- Menyalurkan informasi pasar kepada pimpinan Perusahaan

- Bekerja sama dengan baik dengan anggota tim lainnya

Persyaratan:

- Motivasi tinggi dan pantang menyerah

- Kemampuan komunikasi dan kerja sama yang baik

- Business Development Executive: Pengalaman kerja di bidang penjualan B2B (Business-to-Business) minimal 1 tahun

- Business Development Manager: Pengalaman kerja di bidang penjualan B2B (Business-

to-Business) minimal 3 tahun, dengan minimal 1 tahun dalam posisi pemimpin

- Pengetahuan dalam teknologi dan materi bahan pengemas (optional)

- Kemampuan dalam berbahasa Inggris (optional)

• Responsible for the delivery of core & shell of the project with primary focus on safety, schedule, cost, quality and compliance.
• Attend Site Inductions and share safety values
• Attend daily Collaborative Planning meetings
• Demonstrate commitment to an Injury-Free Environment through own actions and mentoring others and enforce IFE program on projects
• Daily site walks with focus on HRAs, and general safety
• Set expectations for Safety Manager. Drive Safety Manager / GC for Compliance, and continual improvement
• Monitor and Manage Safety-In-Design
• Incident Reporting / RCA / Sharing
• Support Executive site safety walks
• Site Logistics Plan review
• EHS Plan review
• Review of HRA 3 Week Look-A-Head program
• Ensure KPIs are being met
• Manage site Tie-Ins
• Monitor Energy Marshall activities
• Single point of accountability for site safety
• Milestone and Schedule Development
• Schedule Health Checks
• EVM Reporting
• E2E Schedule Alignment
• Risk Management Workshop / Logs / Resolutions
• Craft / Procurement monitoring
• Conduct daily site walks for progress validation
• Monitor Permits being issued and Utilities being provided at site
• Accountability for Schedule
• Manage all PER’s, all Change Orders / attend weekly meeting
• Assist Program Manager for Progress Billing Validation
• Basis of Cost, Know Budget / Know KPIs
• Assist with GMP Contract and Lump Sum Contract
• Manage Cost Reporting
• Review GC Procurement award process / attend vendor interviews
• Accountability for budget
• Participate in Design Reviews
• Final project Sign-off to Operations
• Review final project deliverables
• Manage GC and 3rd Party Quality review, compliance, documentation
• Monitor Snag List and remediations
• Facilitate Data Center Lock-Down
• Verify and track document delivery / control
• Oversee preconstruction activities, prefabrication / off-site activities, GC QA & QC procedures and process
• Coordinate with DCE for Periodic Sign-offs
• Review inspection and test data for compliance with specifications and standards
• Attend project Weekly OAC meeting
• Walk Site Daily for Quality / Standards / Compliance verification
• Understand project goals / requirements
• Maintain relationships with internal Partners, designers, consultants, and the GC team
• Manage site access / photo access permissions with DCPS
• Verify and monitor security compliance
• Monitor and manage EEO / harassment, ‘Good Open Bid’ process, ABAC guidelines
• Maintain appropriate change protocols / no ATFs
• Verify accurate Billings / Execute
• Follow vendor rules for procurement / payments / inclusions
• Facilitate Risk Management workshop

We are seeking an experienced and passionate Business Strategy Associate to join our dynamic team at AMODA, a leading construction technology company. As a Business Strategy Associate, you will play a pivotal role in Developing and Monitoring Our Business and Operations Initiatives including organizational structures to Enhance Operational Efficiency that align with our business objectives. You will be responsible for planning, developing, improving, and monitoring the Business & Operation Strategy.

Job Responsibilities

• Conduct in-depth analysis of current business & operational processes and identify areas for improvement and optimization
• Develop Business and Operation Strategy Initiatives through collaboration with cross-functional teams to implement process improvements and efficiency initiatives
• Monitor Business and Operation Strategy Implementation (Improvement) by utilizing data analytics and performance metrics to track and measure the effectiveness of business and operational changes
• Assist in the development of strategic plans and initiatives to support the overall business objectives
• Act as a liaison between different departments to ensure alignment of operational goals and objectives

• A Bachelor's degree in Business Administration, Operations Management, Finance, Economics, or a related field is typically required. A Master's degree (e.g., MBA) may be preferred.
• Min 3-4 years of experience in business & management consulting, business strategy, or a related field.
• Experience working in a fast-paced environment, preferably at a startup or high-growth company.
• Strong analytical abilities with the ability to analyze complex data sets, identify trends, and derive actionable insights.
• Proven ability to solve business problems, develop innovative solutions, and make data-driven decisions.
• Experience managing projects from inception to completion, including planning, execution, and monitoring progress.
• Excellent written and verbal communication skills, with the ability to present findings and recommendations to stakeholders at all levels of the organization.
• Ability to work collaboratively with cross-functional teams and stakeholders to achieve common goals.
• Flexibility and adaptability to navigate ambiguity and thrive in a dynamic and rapidly changing environment.
• Proficiency in Google Workspace and experience with data analytics tools (e.g., SQL, Tableau, Power BI) will be plus.
• Strong strategic thinking and business acumen, with the ability to understand the broader business context and align initiatives with organizational goals.

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Grounded in a talent-centric mindset, Maker Lab is a marketing agency designed to build decentralised technology-led agency teams, rooted in collaboration with clients from the ground up. Maker Lab’s cross-functional teams of multidisciplinary specialists are embedded into client teams across digital marketing competencies — from measurement & analytics to content production.

Project Manager (Events & Programs)

4-months Fixed term contract

As the Project Manager (Events & Programs) on the APAC Marketing Team on our video-sharing platform client account, your work is instrumental in shining a spotlight on the rising & established stars of the platform and will result in more Creators considering the platform for growing their audience and expressing their creativity. You will coordinate across multiple teams, develop best practices, champion innovation, look for creative solutions to achieve goals and contribute to the internal team initiatives to improve processes. 

You recognise and respect Creators as we put them at the forefront of our programs and have a passion for understanding and prioritising initiatives to get results to serve them. We are looking for someone with a strong project management and producer background across multiple consumer experiences & the entertainment industry, especially in the field of brand events & large-scale music festivals, who can work seamlessly with the rest of the marketing team and key cross-functional stakeholders (e.g. Partnerships, Marcom, Legal etc.). You should also show mastery in managing relationships and output coming from working teams and agency partners.

Role:

• Drive the planning & execution of creator programs and run point on program & campaign execution and updates to country teams, internal teams and cross-functional stakeholders
• Anchor a team of experts and specialists across creative, content, talent management & show production to produce creator programs flawlessly
• Work collaboratively with specialist teams (Marcom, sponsorship etc.) to produce successful creative campaigns 
• Drive various project timelines & milestones from account management to post-event activities 
• Drive analytical reviews of campaign results and inform learnings & improvements to global & country teams 
• Drive internal project legal and compliance matters and other administrative tasks, as needed

You:

• BA/BS degree preferred within relevant disciplines  
• 8+ years of experience within the marketing, media or creative industries
• 7+ years of project and event management experience, including multi-stakeholder management across multiple markets, ideally in Asia

• 4+ years of experience in the technology sector preferred, or a demonstrated understanding and interest in the technology business 
• Passion for the web and video ecosystem and digital culture. Understanding video-sharing platforms, and their creators and identifying opportunities to celebrate the creator community
• Demonstrated talent at building strong collaborative partnerships with cross-functional teams, and being adept at influencing strategy with insights and data 
• Ability to work on multiple projects simultaneously in a fast-paced and dynamic environment 
• Good analytical, communication (written and verbal), and presentation skills 
• Exceptional verbal and written English communications and presentation skills and - ideally - fluent in another Asian language to cover projects across APAC.

1. Mengembangkan bisnis berbasis teknologi Cloud pada perusahaan.
2. Mencapai target penjualan yang diberikan.
3. Dapat berbahasa Indonesia yang baik dan benar.
4. Menyusun rencana bisnis yang layak untuk bisnis teknologi Cloud.
5. Melaksanakan rencana bisnis yang telah ditetapkan.
6. Menjual teknologi Cloud pada perusahaan, baik secara langsung maupun tidak langsung.
7. Mengembangan bisnis, memperluas pasar/segmen baru dan memberikan solusi, menumbuhkan pasar dan pendapatan negara.
8. Berperan sebagai Account Manager, membangun hubungan dengan eksekutif.
9. Merancang dan mengimplementasikan desain strategi penjualan, industri vertikal dan horizontal.

We are seeking a highly organized and motivated Project Coordinator to join our dynamic team. In this role, you will play a crucial part in supporting the successful execution of various projects related to our innovative financial technology solutions. You will collaborate closely with project managers, technical teams, and stakeholders to ensure timely delivery, effective communication, and adherence to project goals.

1. Project Coordination:

• Assist project managers in planning, organizing, and tracking project activities.
• Coordinate project schedules, resources, and budgets.
• Prepare project documentation, including meeting minutes, status reports, and presentations.
• Facilitate communication among project team members and stakeholders.
• Track project progress and identify potential risks or issues.

2. Administrative Support :

• Schedule project meetings and prepare agendas.
• Maintain project files and documentation.
• Assist with vendor management.
• Provide administrative support to the project team as needed.

3. Communication :

• Communicate project updates to stakeholders in a clear and concise manner
• Facilitate effective communication among team members and stakeholders.
• Build and maintain positive relationships with internal and external stakeholders.

4. Problem-Solving :

• Proactively identify and resolve project issues or challenges
• Escalate complex problems to the project manager as needed.
• Contribute to the development of solutions to improve project efficiency.
  

• Bachelor's degree in business administration, project management, or a related field.
• 1-3 years of experience in project coordination or administrative support.
• Fluency in Bahasa Indonesia and English (both written and verbal).
• Familiarity with project management methodologies (e.g., Agile, Waterfall)
• Data-driven, critical thinking, strategic insights
• Proficiency in Microsoft Office Suite or Google Workspace.
• Excellent organizational and time management skills.
• Strong communication and interpersonal skills.
• Strong problem-solving and analytical skills.
• Ability to work independently and as part of a team.
• Experience in the fintech or technology industry.
• Project Management Professional (PMP) certification or equivalent.
  

• Memastikan Perencanaan Pelaksanaan untuk layanan proyek di tingkat proyek disetujui oleh tim proyek dan klien dan berjalan dengan baik selama pelaksanaan proyek.
• Mendefinisikan Struktur Perincian Pekerjaan (WBS) & Struktur Perincian Biaya (CBS) untuk proyek tersebut.
• Meninjau perencanaan proyek secara mendetail; termasuk penempatan tenaga kerja & pemerataan sumber daya.
• Mendefinisikan rincian pengendalian biaya, sistem pelaporany, dan analisis biaya.
• Mempersiapkan evaluasi independen terhadap status proyek berdasarkan laporan dan penilaian dari pengalaman pribadi dan tim.
• Bertanggung jawab atas pengembangan dan pemeliharaan jadwal proyek.
• Berinteraksi dengan tim proyek dan manajer tugas untuk menentukan ruang lingkup pekerjaan dalam pengembangan dan pembaruan jadwal mendetail, informasi biaya, dan identifikasi perbedaan dari rencana awal.
• Menganalisis kemajuan dan kinerja jadwal proyek, serta mengidentifikasi area masalah yang berkembang.
• Menyusun jadwal proyek indikatif untuk proposal dukungan proyek.
• Mengenali permasalahan dan memberikan saran serta berunding dengan PM dan tim proyek mengenai hal-hal yang mempengaruhi pelaksanaan proyek.
• Berpartisipasi dalam diskusi manajemen risiko utama mengenai permasalahan proyek.

About The Role

We are seeking a detail-oriented and experienced Quantity Surveyor to join our team. As a Quantity Surveyor, you will be responsible for verifying and managing all aspects of the costing and financial management of construction projects. You will work closely with project managers, engineers, and contractors to ensure that projects are completed within budget and to the highest standards of quality. Your expertise in cost verification, budget management, and contract administration will be key to the successful delivery of our projects.

Key Duties and Delights 

• Verify and validate cost estimates and budgets for construction projects prepared by the estimator, including materials, labor, and equipment costs.

• Plan and manage the quality of, budget, and time schedule of the project.
• Monitoring progress of the project, implementation of the scheme on site, and ensuring works are completed to a high standard.
• Prepare and analyze accurate financial project reports and documentation related to construction projects.
• Collaborate with project teams (Designer, Procurement, Site Manager, Contractor Partners, etc) to ensure that projects are completed on time and within the budget provided by the Project Coordinator.
• Provide advice and support to project managers on cost-related matters based on the calculations.
• Conduct regular project meetings to monitor progress and identify any issues.
• Ensure compliance with relevant laws, regulations, and standards related to construction cost management.
• Act as a liaison between the project team and external stakeholders, including clients and regulatory bodies, to ensure that all cost-related requirements are met.
• Continuously seek opportunities for cost savings and process improvements to enhance the overall efficiency of our construction projects.

• Bachelor's degree in civil engineering, architecture, construction management, or a related field.
• Min 4 years experience as a Project Coordinator/Assistant Project Manager in the construction industry.
• Strong knowledge of construction costs, contracts, and Fit-Out project flow.
• Proficiency in cost estimation software and Microsoft Excel.
• Excellent communication and negotiation skills.
• Ability to work well under pressure and meet tight deadlines.

• Management Trainee adalah program percepatan pengembangan karyawan yang didesign oleh perusahaan untuk menciptakan pemimpin yang handal melalui penyediaan kurikulum yang terintegrasi dengan proses belajar berdasarkan pengalaman dan latar belakang pendidikan.
• Peserta program Management Trainee akan menjalani pelatihan secara offline dan online serta On Job Training yang akan dilakukan di Kantor Pusat maupun cabang BFI Finance di Seluruh Indonesia.

• Melaksanakan konsultasi dengan nasabah perusahaan
• Melakukan maintanance kepada nasabah perusahaan
• melakukan penagihan kepada nasabah perusahaan