ANALISA PRODUK PEMBIAYAAN DIGITAL MULTIGUNA ONLINE MELALUI MOBILE BANKING SEBAGAI UPAYA TRANSFORMASI DIGITAL BANK X

INAKU, ROSALYN FEBRIYANI (2022) ANALISA PRODUK PEMBIAYAAN DIGITAL MULTIGUNA ONLINE MELALUI MOBILE BANKING SEBAGAI UPAYA TRANSFORMASI DIGITAL BANK X. S2 thesis, Universitas Mercu Buana Jakarta.

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Abstract

Banks need to provide digital financing services without place and time restriction to improve effectiveness, efficiency and create faster, more comfortably and better continuity of service to customers. PT Bank Syariah Indonesia as the largest Islamic Bank in Indonesia seeks to improve the performance of online financing services in order to improve overall financing performance. This study aims to determine the effectiveness of the mobile Banking model of online financing service compared to traditional manual models; to find out the constraint factors experienced after the launch of online financing products; to find out solutions to solve online product financing constraints. The research method which used is descriptive qualitative research. This study uses primary data and secondary data as well as improvement methods using the Six Sigma DMAIC (Define-Measure-Analyze-Improve-Control) method. The results showed that the number of successful online partner financing applications disbursed was 11.15% of the total submissions. The effectiveness of Mitraguna online can acquire new regular manual financing by 53%. There are 6 factors that give a high impact on the low disbursement of Mitraguna online including: bad reputation of collectibility, service failed (system constraints), name data does not match the civil registration data, approval limit is below Rp 10.000.000, does not meet risk acceptance criteria, customer debt burden ratio more than 50%. Solutions to solve problems include expanding market segments, improving the IDEB system, developing product feature changes by relaxing the Bank's risk acceptance criteria from DBR to DSR, increasing the financing period and limit to more than IDR 50,000,000, developing automation recommendations to other financing options with a small limit such as a paylater in mobile Banking if the customer gets the minimum financing limit. Keywords: Six Sigma, Technology, Digital Banking, Digital Financing, Digital Transformation Bank perlu memberikan layanan digital tanpa batasan tempat dan waktu untuk mendorong efektivitas, efisiensi dan menciptakan kesinambungan pelayanan kepada nasabah dengan lebih cepat, lebih nyaman dan lebih baik, termasuk diantaranya produk pembiayaan. Bank X selaku Bank Syariah terbesar di Indonesia berupaya meningkatkan kinerja produk pembiayaan mitraguna online guna meningkatkan pula kinerja pembiayaan secara keseluruhan. Penelitian ini bertujuan untuk mengetahui efektifitas produk pembiayaan online melalui mobile Banking dibandingkan dengan produk model manual tradisional; untuk mengetahui faktor-faktor kendala yang dialami sesudah peluncuran produk pembiayaan online; untuk mengetahui solusi menyelesaikan kendala pembiayaan produk online. Metode penelitian yang digunakan adalah penelitian deskriptif kualitatif. Penelitian ini menggunakan data primer dan data sekunder serta metode perbaikan menggunakan metode Six Sigma DMAIC (Define-Measure-Analyze-Improve-Control). Hasil penelitian menunjukkan bahwa jumlah pengajuan pembiayaan mitraguna online yang berhasil cair sebesar 11,15% dari total pengajuan. Efektifitas pembiayaan mitraguna online dapat mengakuisisi pembiayaan manual reguler baru sebesar 63%. Terdapat 6 faktor yang memberikan high impact rendahnya pencairan mitraguna online diantaranya: kolektibilitas nasabah yang tidak lancar, service failed (kendala system), data nama tidak sesuai dukcapil, persetujuan limitnya dibawah Rp 10 Juta, tidak memenuhi syarat risk acceptance criteria, debt burden ratio nasabah lebih dari 50%. Solusi untuk menyelesaikan permasalahan diantaranya memperluas segmen pasar, memperbaiki system IDEB, mengembangkan perubahan fitur produk dengan relaksasi risk acceptance criteria Bank dari DBR menjadi DSR, menambah jangka waktu dan batas limit pembiayaan hingga lebih dari Rp 50.000.000, mengembangkan rekomendasi automasi ke opsional pembiayaan lain yang berlimit kecil seperti paylater pada mobile banking bila nasabah tersebut mendapatkan limit pembiayaan minimum. Kata Kunci : Six Sigma, Teknologi, Digital Banking, Pembiayaan Digital, Transformasi Digital

Item Type: Thesis (S2)
Call Number CD: CD/551. 22 079
Call Number: TM/51/22/063
NIM/NIDN Creators: 55120110071
Uncontrolled Keywords: Six Sigma, Teknologi, Digital Banking, Pembiayaan Digital, Transformasi Digital
Subjects: 000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 000. Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 005 Computer Programmming, Programs, Data/Pemprograman Komputer, Program, Data > 005.4 System Programming and Programs/Sistem Pemrograman dan Program > 005.43 Operating System/Sistem Operasi
000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 020 Library and Information Sciences/Perpustakaan dan Ilmu Informasi > 025 Operations, Archives, Information Centers/Operasional Perpustakaan, Arsip dan Pusat Informasi, Pelayanan dan Pengelolaan Perpustakaan > 025.1 Administration and Library Management/Administrasi dan Manajemen Perpustakaan > 025.11 Finance/Keuangan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 650.1-650.9 Standard Subdivisions of Management, Public Relations, Business and Auxiliary Service/Subdivisi Standar Dari Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan
Divisions: Pascasarjana > Magister Manajemen
Depositing User: ADELINA HASNA SETIAWATI
Date Deposited: 19 Nov 2022 04:21
Last Modified: 19 Nov 2022 04:21
URI: http://repository.mercubuana.ac.id/id/eprint/71750

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