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tika.rachmawati

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Hai Saya Tika, baru bergabung di Projects.id

Punya pengalaman dalam observasi Focus Group Discussion, fasilitator training,  wawancara utk market research, dan penulisan report.

Berminat untuk membuat content writing mengenai product, sharing experience, company profile, pembuatan CV, penyebaran kuesioner, tulis ulang artikel, dan project penulisan lainnya. 

Belum pernah ada pengalaman untuk voice over, namun saya minat mengambil project ini.



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Alter1

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Saya pekerja keras



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Tari89

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Hi saya siap membantu anda



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barbie775

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Guaranteed Installment Loans For Bad Credit Va Loan - Ten Reasons To Take One

direct lender installment loans people bad credit

If you are an active duty service member or a veteran, you need to understand the advantages offered by taking a VA loan to finance a home. These loans offer ten advantages that are way America extends its thanks to her military members.

ONE: No Money Down Required

One of the nicest things about a VA loans is that they require no down payment. Some choose to place one anyway. Most other loans have a down payment ranging from 3.5% as for FHA loans, or up to 20% the more conventional loans.

TWO: No Closing Costs Option

Most other loan types incur heavy closing costs. These costs: Taxes. Escrow Fees. Inspection Fees. Title Insurance. Homeowner Insurance. Other items. If a loan officer builds the loan offer in a good way, sellers will pick up the closing costs, not the home buyer.

THREE: Seller Required/Buyer Non-Allowable Closing Costs

Should the buyer choose to pay if the seller refuses, the VA will limit the amount the buyer can pay. Conventional loans can include these fees in the closing costs: settlement fees, document preparation fees, convey and fees, attorney fees, title work, photos, loan processing fees, truth-in-lending disclosure statements, fees for loan brokers, finders or third-party fees, tax service fees, and the list goes on. With a VA loan, most of these costs are not allowed.

FOUR: VA Certification of Reasonable Value

Appraisals are a part of any property loan transactions. With conventional loans, one must rely on the appraisal to determine the worth of the property. The VA itself will issue a certificate of reasonable value that is valid to six months.

FIVE: VA Home Inspection

Property must be in habitable condition. The VA attempts to protect the buyer from buying property in bad condition. Roof, furnace/ac, plumbing, foundation are all inspected. The VA inspector verifies the property meets all VA codes.

SIX: Streamline Refinance for Lower Rates

If you are already a home owner under a conventional VA loan, you could choose to refinance to lower your interest rates. The streamline process allows a refinance without the credit check, employment verification, appraisal, and most documentation (in most cases).

SEVEN: No Prepayment Penalty

If you pay off a home loan early to refinance or sell, you could be stuck with prepayment penalties that can amount of tens of thousands of dollars to the original lender. This cannot happen with VA loans.

EIGHT: Capped Points

Brokers and lenders charge service fees to originate the guaranteed payday loans lenders. Some call these points. The VA sets a limit on these fees and will not allow a lender to charge anything deemed unreasonable.

NINE: Assumability

Does a service buddy like your home? Conventional loans require a new direct lender installment loans people bad credit whenever property changes hands. Under VA rules, you can sell and a VA approved buyer can take over your old loan.

TEN: Low Interest Rates

Interest rates offered under VA low rate installment loans bad credit are among the lowest on the market, set by the Federal Reserve. Conventional loans have adjustable rates that start around 3% and then may rise to 12%. VA loans never allow payments to vary and your amount and interest rate are locked in the life of the loan.

As you can see, the ten reasons for taking a Military loan are pretty convincing. Veterans should use this way that America thanks troops for their service.

Hilary Bowman is the author of this article. She works successfully as a financial advisor with years of expertise on Unsecured Loans. Hilary publishes informative articles about loans for bad credit and other financial topics at FastGuaranteedLoans.com




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CodeAWeb2019

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Hi, im Alex Morch.im one of manager code a web.in our company web development company new york design high-quality website and mobile application with an affordable price range. we help our customers 24/7 service. seo company new york we have a lot of happy clients on our success journey. today we are a no1 website developing a team in new york.



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MudaSupriyanto

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Karyawan Swasta



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Assalamu'alaikum, saya humaira. 
Saya suka sekali mencoba hal yang baru, itu menjadi sebuah tantangan bagi saya. 
Saya juga orang yang berkomitmen, bertanggung jawab, mematuhi instruksi, senang bekerjasama dan menjalin relasi.
Terima kasih.


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dzuraganroni

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EDUCATION

Merdeka University(November 1999

Mechanical Engineering, (ST) Equivalent with Bachelor Degree 

Yamor Yajaya(June 1993

Automotive Engineering, Equivalent with Diploma 1, Best Graduate of periode 1993

SKILLS

Language :

English, Indonesian and reasonable in Arabic

Computer :

Assembling PC unit, LAN System, Oracle-ERP/JDE/SAP/Mapics/Scale Versi 5.1/Era Soft/ Trabas/Lotus Note, Riversand, CMMS, Maximo,Windows XP/2000, MS office (Word, Excel, Access), Corel Draw, CAD-CAM, Archicad, Photo Shop, CAD-CAM, Primavera/MS Project.

TRAINING& Course

2015, Alternatif Penyelesaian Sengketa Kontruksi, BADAPSKI & DIRJEN Kementrian PU.

2011, FIDIC Contract , in-house training by BIIN.

2010, Internal Audit, in-house training by Arrowhead 

2010, ISO 9001:2008, in-house training by Arrowhead.

2010, Proposal engineer& Project Cost Estimate, in-house training by Aldaberta Indonesia.

2010, Hazard – Hazop, in-house training by E1-Pertagas.

2010, Oracle’s JDEdwards – System for Semen Gresik Project – Plant Tuban IV, in-house training by Cisco Systems Dept. PT.Semen Gresik (Persero).

2009, RiversandSytems for support maintenance planning, in-house training by Exxon Mobile.

2008, MAPICS for ERP Systems, in-house training by Pall Company. 

2008, EXIM & Master List, in-house training by Pall Company.

2007, Era Soft System& EXIM, in-house training by Knouf Company.

2004, Fuel Technologies & Install Equipment, by Fitch Coorporation.

2003, Seal Technology & Install equipment, in-house training by Parker Hannifin.

2001, OHSAS 18001 Internal Auditor, in-House training by ABB SaktiIndustri – Turbocharger Division.

2000, ISO 9000 / SAP – Scale 5.1 & Lotus Note System, in–House training by ABB SaktiIndustri – Turbocharger Division.

1997-1998, Fertilizer / Ammonia / Sulfuric Acid Process in Plant I-II & III, Orientation & training by PT.Petrokimia Gresik.

1996, Auto Cad R.13/CAD-CAM, FakultasTeknikMesin, UniversitasMerdeka Malang.

1995, Leadersip Management & Managerial, Senat/UKMI, UniversitasMerdeka Malang.

1992, Repair Diesel Engine/Loading good/Ship (Apprentice), PT.Pelabuhan Indonesia II (Persero)

1993, Utility & maintenance, in house-Training PT. Indomilk.

WORK EXPERIENCE

Independent Consultant. – System Management (Jan 2017 – Present

AndrewTani & Co. – PMSCoordinator (April   2014 – Dec  2016

Registro Italiano Navale,SpA– Sr. Cost Management (March 2012 – Oct 2013

Bakrie Indo Infrastructure– PMO Coordinator (August 2011 – April 2012

PT.Aldaberta Indonesia– Project and Cost Control (September 2010 – June 2011

PT.Prosys Bangun Persada– Lead Purchaser Engineer (May 2010 – Nov 2010

PT.MAN Ferrostaal – Lead. Procurement & Expediter (July 2009 – December 2009

PT.Pall Filtration –  Spv.Logistic & Purchaser (September 2008 – February 2009

PT. Knauf Gypsum– Spv. Purchaser & Logistic (March 2007 – September 2007

PT.Cardig Air (Airlines Cargo Service)– Mgr.Procurement & Logistic (June 2004 – April 2007

PT. Idesejati Intiprakarsa – MechanicalEngineer (November 2001 – January 2003

ABB Sakti Industry– Quality Assurance & Customer Focus (September 2000 – September 2001

PROJECT EXPERIENCE

(Maret 2017 – December 2019

Project : Logistic Forwading 

Owner : PT.Lion Parcel (Lion Groups)

Ensure delivering from Port to meeting point

Accept and delivering Goods from customer/Agent to Port


(April 2014 – November 2015

Project : PMC/Technical Advisor Services for Strategic, Infratructure and People Business INTA Groups

Owner : PT.INTRACOPENTA Groups

Guiding, controlling, reporting 21 Project Quick Win on 2014/2015:

Transformation progress information provider 

Enforce project management and reporting standards in all project teams, consolidate, report progress of work of all project teams to the SMT, and plan, implement and evaluate the approved Q20 Communication Program 

Review Project Team compliance with project management standards and recommend appropriate preventive, corrective or discsplinary measures to Cycle Team Leader

Recommend scope, timeline and budget for Q20 Communication Program

(June 2013 – oct 2013

Project : Technical Assistant Services for Strategic Business Unit II

Owner : PT.Perusahaan Gas Negara.

Strategy Planning Implementation Evaluation System

Command and Control Framework

Work Coordination Framework 

Capability Management System

Belief System Deployment

Manager-Leader Development Program

Management Control System

Enterprise-wide PCDCA

(June 2013 – oct 2013

Project : Technical Assistant Services for Strategic Business Unit II

Owner : PT.Perusahaan Gas Negara.

Assist the employee in proceeding the project process

Assist the employee in the project execution of the project in accordance with the contract

Analys and Develop Project management, include Procurement& Logistic procedures 

Being assigned to the Project Management Team (PMT), carry out project management function to ensure that the all Project work is always along with SBU-2 procedures

Assist cost impact of Change

Review Client project management Process

Interact with PMT members, finance , the central project control team and Contractors

(March 2012 – March 2013

Project : LNG – FSRU Labuan Maringgai Lampung

Owner : PT.Perusahaan Gas Negara.

Being assigned to the FLNG Project Management Team (PMT), carry out cost control function to ensure that the FEED work is always along with cost control procedures

Calculate Earned Value and Estimated Final Cost, Cash requirements, and prepare cost reports

Implement commitment and invoice control

Assist cost impact of Change

Review invoices from Contractor and prepare for payment

Interact with PMT members, finance , the central project control team and Contractors

Develop Monthly Report for FEED cost

(August 2011 – April 2012

Project : Bakrie Indo Infrastructure, Bakrie Toll Indonesia, Bakrie Oil & Gas Indonesia, Bakrie Port Indonesia, Bakrie Power Indonesia

Prepare and supporting CAPEX (RKAPperyears) 

Prepare and Setup Project Management Officer and direct report to BOD (Board of Director of Bakrie Indo Infrastructure; Bakrie Tol Indonesia; Bakrie Oil & Gas Indonesia; Bakrie Port Indonesia; Bakrie Power Indonesia)

Prepare and Setup Procurement System (Form, SOP, Policy, etc) for supporting all in company project (BTI, BOGI, BPI, BIIN)

Etc.

(September 2010 – June 2011

Project : FEED & Detail Engineering – EXPANSION PRODUCTION FACILITY PondokMakmur, Bekasi.

Client : PERTAMINA EP PONDOK MAKMUR BEKASI

Calculating cost estimates for Equipment projects, in addition to compiling and analyzing data that influence cost estimates.  

Build and maintain project schedule in primavera software.

Interface with Client for any concern regarding of Planning Scheduling and progressing system.

Mentors National employees on cost engineering / project management 

Develeop and Preparation EPC Cost Estimate, Overall EPC project Schedule, EPC Bid Package

Develeop and Preparation Project Management Construction, Approved Manufacture List for EPC, Lead Time identification etc.

(May 2010 – Nov 2010

Project : Project Tuban IV (PT4) DesaSumber Arum, Kerek, Tuban Jawa Timur, Indonesia

Client : PT. Semen Gresik (Persero)Tbk (Cement)

Develop, maintain and up-date the SAP database of local and overseas suppliers, vendors, contractors and consultants as potential sources of quality spare parts, materials, equipment and services needed to support Company operations. 

Analyse usage data and develop long term supply blanket agreements. 

Supervises the departments ongoing activities in sourcing, selecting and qualifying suppliers, vendors, contractors and consultants for inclusion in the master SAP database for the supply of spare parts, materials, equipment and services to support Company operations.

Maintains the SAP(JDE-Oracle) database and issues reports as required. 

Co-ordinates the collection of technical data, literature and catalogues for products and services for inclusion in the Company library and database to assist in identifying tender pre-qualification sourcing.

Provides internal client user departments with information on potential suppliers and products and services specifications to assist them in meeting their operational needs. 

Develops and prepares high value purchases and undertakes project buying. 

Co-ordinates Procurement budget requirements and liaises with budget staff. 

Reviews Procurement procedures and assists Procurement staff in following established guidelines.

(July 2009 – December 2009

Project : Banyu Urip Early Production Facilities, EPF-2Wellpad and Interconnecting Corridor Kalisat, Bojonegoro, Jawa Timur, Indonesia

Client : Mobile Cepu Limited Subsidiary of EXXON Mobile

Prepares detail data for project requirements and maintenance planning, development and implementation of estimating procedures using computer-based systems for Procurement Dept.

To speed up the progress of logistic (accelerate), including execute quickly and efficiently, provide issue officially (dispatch)Provide tender proposal, budget submissions and related activities.

Developed purchasing agreements and contracts to the supplier/sub contractor or business relation.

Work to develop/publish/implement strategies that enable high quality, delivery, and productivity cost savings. 

Negotiate with suppliers to achieve the lowest cost consistent with considerations of quality, reliability of source and urgency of need. 

Identify business unit needs and opportunities related to indirect purchases, inbound, raw material freight and the procure-to-pay process.  

Provide Inventory planning for spare part etc.

(September 2008 – February 2009

Project : Inventory & Maintenance Improvement

Client : Oil & Gas Industry, Manufacture Industry, Food & Baverage Industry, Chemical Industry, etc

Develop and implements logistics strategies in line with regional and global initiatives

Analyze, develop and lead implementation of strategic logistics projects

Serves as main point of contact with the PSL Supply Chain organization on logistics matters.

Plan logistics strategies (distribution hubs, inter-modal, routes, lanes) for new geographical areas.

Review transportation networks to improve service to customers and reduce logistics costs.

Develop and executes implementation plans to ensure the successful implementation of sourcing strategy.

Own the Logistics Practice Manual review and update process for the area of responsibility

Assist in the teams through the strategic logistics process to determine the optimum solution for internal 

Lead on-going efforts for establishing and sustaining improvement processes

Ensure compliance of the logistics organization with policies, procedures, local laws, and global logistics guideline

Identified kind activities and associated resources in operation department for organizational realignment to streamline business mode (IATA/IMDG rules and regulation) Etc.

(March 2007 – September 2007

Project : Knauf Accesories Metal Plant 2 (27 hectare)

Provide to Export & Purchase Manager, to run purchase for sound practice of handling & reporting. Supervision assisted with five subordinate in maintaining, developing, controlling the completely purchasing process. 

Develop a strong vendor base (Import and Local). 

Preparing, reporting logistic & purchasing process to supporting Manager and BOD.

Controlled Schedule Logistic (Export/Import). 

Monitoring and controlling materials consumptions, inventory for definite production and sale stock.

Negotiate and purchase materials, good or services at the best conditions with the aim of reducing “total cost” Etc.

(June 2004 – April 2007

Project : Setup Branch Office & Facilities

Client : CA International Grups, DHL, TNT, etc 

Prepare report to R & D Director.

Coordinate with other departments to determine materials needed and schedules to meet.

Establish and execute written agreements to the supplier or business relation.

Work to develop/publish/implement strategies that enable high quality, delivery, and productivity cost savings. 

Develop and implements logistics strategies in line with regional and global initiatives.

Serves as main point of contact with the PSL Supply Chain organization on logistics matters.

Guide customer needs based on market capabilities.

Plan logistics strategies (distribution hubs, inter-modal, routes, lanes) for new geographical areas.

etc

(November 2001 – January 2003

Project : Repair Heavy Equipment& Plant

Client : Pertamina, Amoseas, Power Indonesia, etc 

Prepare proposal for tender and provide estimation cost for repair/fabrication.

Lead for six sales engineering and 1 sales admin.

Prepare presentation and make solve problems to client related with all seals system.

Inventory control, re-order to manufacture and maintain storage place. 

Develop and maintain appropriate and productive partner, including involvement in critical negotiations.

Other Info

I am married and have 5 Childs (3dougther & 2boy). 

I am Healthful(High/weight 179/72), Honest, Good Looking, Simple Person and Quick Adaptable, Self-Taught Person.

Interests and Pastimes:

All kind positive activity (i.e.: Swimming, Taekwondo/martial art, reading Quran, music, etc). 



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dewacekiqiu

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mietaskrlstr08112000

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Perkenalkan, nama saya Mieta Sekar Lestari. Saat ini saya sedang menempuh pendidikan S1 Peternakan di Universitas Andalas, Padang. 



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