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Tinjauan Atas Prosedur Pelayanan Nasabah Prioritas Pada Pt Bank Tabungan Negara (Persero) Tbk Kantor Cabang Cibinong Riska Riska; Sujana Sujana; Bayu Prasetyo Soedargo
Jurnal Aplikasi Bisnis Kesatuan Vol. 3 No. 2 (2023): JABKES Edisi Agustus 2023
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v3i2.1966

Abstract

Bank merupakan lembaga yang bergerak di bidang jasa, sehingga pelayanan yang diberikan oleh bank menjadi salah satu faktor penilaian bagi nasabah. Pelayanan yang baik akan membuat nasabah merasa puas sehingga meningkatkan kepercayaan nasabah terhadap bank. Pentingnya untuk meningkatkan dan mempertahankan kepercayaan nasabah membuat bank berlomba-lomba menunjukan sikap lebih menghargai nasabah dan mengembangkan pelayanan yang unggul. Bank Tabungan Negara merupakan salah satu bank yang mengklasifikasikan pelayanan menjadi 2 yaitu pelayanan reguler dan pelayanan prioritas. Pelayanan reguler diberikan kepada nasabah reguler pada umumnya sedangkan pelayanan prioritas diberikan kepada nasabah prioritas. Nasabah prioritas sendiri merupakan nasabah yang memiliki jumlah simpanan lebih besar dibandingkan dengan nasabah reguler pada umumnya. Oleh karena itu, Bank Tabungan Negara memberikan pelayanan yang berbeda dan istimewa kepada nasabah prioritas. Berdasarkan hasil yang sudah didapat maka dapat kita ketahui bahwa Bank Tabungan Negara menerapkan prosedur pelayanan yang memuaskan terutama bagi nasabah prioritas. Bank Tabungan Negara juga memberikan berbagai keuntungan dan program yang hanya dapat dinikmati oleh nasabah prioritas. Hal ini perlu dipertahankan agar nasabah merasa puas dan tetap menjadi nasabah pada Bank Tabungan Negara.
Tinjauan Penyaluran Kredit Usaha Rakyat (KUR) Kepada Nasabah Pada PT Bank Syariah Indonesia KCP Bogor Pomad Susan Susanti; Sujana Sujana; Saefudin Zuhdi; Bayu Prasetyo Soedargo
Jurnal Abdimas Dedikasi Kesatuan Vol. 6 No. 1 (2025): JADKES Edisi Januari 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v6i1.3145

Abstract

Financing is the provision of money or bills that are equated based on an agreement or agreement between the bank and another party that requires the party to be financed to return the money or bill according to a certain period of time with compensation or profit sharing. Based on the Regulation of the Minister of Finance (PMK) No.135 / PMK.05 / 2008 dated December 5, 2008, article 5 concerning the People's Business Credit (KUR) guarantee facility, it is stated that the People's Business Credit (KUR) is a program issued by the government, but the source of funds comes entirely from bank funds. People's Business Credit is financing for Micro, Small and Medium Enterprises (MSMEs) in the form of Working Capital Credit (KMK) and or Investment Credit (KI). The purpose of this financing research is to determine the provisions for distributing people's business credit financing, to determine the stages of distributing KUR financing and to determine the obstacles experienced by PT Bank Syariah Indonesia KCP Bogor Pomad in the process of distributing people's business credit financing and solutions to each obstacle that occurs in the process of distributing people's business credit financing at PT Bank Syariah Indonesia KCP Bogor Pomad. The results of the study indicate that the process of distributing people's business credit at PT Bank Syariah is good and in accordance with the company's Standard Operating Procedure (SOP). In the process of distributing financing, there are terms and conditions in advance when you want to apply for super micro KUR financing, micro KUR and small KUR at PT Bank Syariah Indonesia. By collecting requirements in the form of documents or other requirements that have been determined by the bank before applying for the financing. After the terms and conditions have been met, prospective customers must follow the stages in the KUR financing distribution process until the final decision on the disbursement of financing that will be given by the bank. Keywords: Financing, Distribution of People's Business Credit
Co-Authors Riska Riska Saefudin Zuhdi Sujana Sujana Susan Susanti