Curriculum Vitae
Fatimah Mulachela
Media Social
I am a fresh graduate in Development Economics who is dedicated and adaptable, with a strong passion for continuous learning and skill development in the field of finance, particularly in credit and lending. I recently graduated with a cum laude distinction at the age of 21, and I am committed to deepening my knowledge and expertise in the financial sector. With previous hands-on experience in lending operations through internship programs, I am eager to contribute to the efficiency and accuracy of commercial processes.
Januari 2025
Universitas Mataram
S1 • Ilmu Ekonomi • IPK 3.65
Juli 2025 - September 2025
Business Support Internship Batch 6
PT Bank Tabungan Negara (Persero) Tbk • Magang
Januari 2025 - Sekarang
Retail Payment System Intern
Bank Indonesia • Magang
Studied central banking and digital economy through various modules provided by Bank Indonesia, covering topics such as Indonesia's payment system 2025, financial inclusion, and public speaking skills development.
Conducted qualitative research titled "Optimizing the Use of QRIS in Schools and Universities in Mataram City." The research identified barriers and opportunities in implementing QRIS in educational environments and provided strategic recommendations to stakeholders.
Participated in field activities and official events at Bank Indonesia, such as the High-Level Meeting of the Tim Percepatan dan Perluasan Digitalisasi Daerah (TP2DD), launching QRIS-based tourism zones, consumer protection campaigns, and the QRIS Goes to Campus/School.
Assisted in preparing reports and technical documentation, including RER (Rangkuman Ekonomi Regional) reports, analysis of the Elektronifikasi Transaksi Pemerintah Daerah (ETPD) assessment, and reports and infographics related to payment system activities.
Managed document archives in compliance with ISO standards.
Engaged in institutional communication activities, coordinating and building relationships between Bank Indonesia and various government agencies to support program synergies and the dissemination of policy information and initiatives from the central bank.
Media
Januari 2024 - Januari 2025
Young Banker Internship
PT Bank Mandiri (Persero) Tbk • Magang
MSIB is a certified internship program under the Ministry of Education and Culture that runs for one full academic semester and provides academic credit conversion at the university. The Young Banker Program is a collaboration with Bank Mandiri that focuses on both micro and macro banking services and credit operations.
Provided customer service support, including handling transactions, account openings, and assisting clients with banking inquiries.
Performed duties as a teller assistant, such as processing deposits, withdrawals, and fund transfers accurately and efficiently.
Assisted the credit (lending) division in verifying customer documents, administering credit, and ensuring compliance with banking regulations.
Educated customers on banking products and services to enhance financial literacy and customer engagement.
Collaborated with internal teams to improve service efficiency and optimize branch operations.
Ensured accurate documentation and adherence to internal policies and regulatory standards.
Media
Januari 2024 - Januari 2024
Consumer Loan Internship
PT Bank Tabungan Negara (Persero) Tbk • Magang
MSIB is a certified internship program under the Ministry of Education and Culture that runs for one full academic semester and guarantees credit conversion at the university. The Consumer Loan Internship is one of the programs in collaboration with Bank BTN, focusing on credit services in the banking sector.
Learned and supported end-to-end consumer credit processes, including document verification, credit analysis, and loan disbursement procedures.
Assisted in preparing monthly reports and collaborated with the funding unit and mentor to ensure data accuracy and timely submissions.
Contributed to solving field-related issues in loan processing and provided direct support to credit officers in handling customer inquiries.
Participated in training sessions to strengthen understanding of credit regulations, risk mitigation, and customer service strategies.
Developed a mini research paper as an innovation output for improving credit services based on field experience.
Media
Januari 2025
Sertifikat Cumlaude
Universitas Mataram • 221/UN18.F1/DT/2025
Diberikan sebagai bentuk penghargaan atas pencapaian akademik yang luar biasa selama menempuh studi di Program Studi Ekonomi Pembangunan. Predikat Cum Laude menunjukkan IPK kumulatif di atas 3,50, kelulusan tepat waktu, serta konsistensi dalam prestasi akademik, riset, dan kedisiplinan.