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Perkembangan agen branchless banking Mangani, Ktut Silvanita; Tambunan, Martua Eliakim; Heatubun, Adolf B.
KINERJA Vol 17, No 1 (2020)
Publisher : Faculty of Economics and Business Mulawarman University

Program Branchless Banking (BB) adalah program nasional yang dilaksanakan oleh Bank Indonesia untuk mencapai tujuan Keuangan Inklusif. Tujuan Keuangan Inklusif adalah untuk mendorong pertumbuhan ekonomi, menciptakan distribusi pendapatan yang adil bagi masyarakat serta mengurangi kemiskinan dan menstabilkan sistem keuangan dengan menyediakan akses keuangan kepada masyarakat. Penelitian ini bertujuan untuk memotret implementasi program Branchless Banking di Kabupaten Sumedang, Provinsi Jawa Barat, dengan menggunakan metode kualitatif. Hasil penelitian menemukan bahwa layanan keuangan melalui agen Branchless Banking telah berjalan dengan baik dan lancar di wilayah Kabupaten Sumedang. Namun, sosialisasi program BB dalam hal perekrutan agen tidak dilakukan secara terbuka oleh Unit Bank tetapi dilakukan berdasarkan kriteria kepemilikan modal dan kegiatan bisnis. Unit Bank sebagai regulator di tingkat implementasi belum memperhitungkan kebutuhan pasar dan jenis produk sesuai dengan kegiatan bisnis agen dan pelanggan di masa depan. Karena itu, target pertumbuhan ekonomi sebagai tujuan keuangan inklusif masih sulit untuk dicapai.

LEVEL OF STUDENT TRAVELER SATISFACTION FACULTY OF ECONOMICS AND BUSINESS UKI TO QUALITY OF TRAVELOKA SERVICES Iman , Jaka; Sautman Sinaga; Ktut Silvanita Mangani
Fundamental Management Journal Vol. 5 No. 1 (2020): ISSN: 2540-9816 (print) 2540-9220 (online) Volume:5 No.1 April 2020
Publisher : Universitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/fjm.v5i1.1670

Currently the tour and travel business in Indonesia has experienced a rapid increase. This is seen from the high interest of Indonesian travelers to travelThis research is quantitative, the sample taken is active students in the even semester of the Faculty of Economics and Business, Indonesian Christian University, as many as 96 respondents. To measure the level of satisfaction of traveloka consumers, a performance analysis and performance of the Cartesian diagram is used, and the variables used in this study are professionalism and skills, attitudes and behavior, accessibility and flexibility, reliability and trustworthiness, recovery and reputation and credibility. Keywords : professionalism and skills, attitudes and behavior, accessibility and flexibility, reliability and trustworthiness, recovery and reputation and credibility, customer satisfaction and services quality

Marketing risk analysis of red chili Ronokusumo, Atahasi; Mangani, Ktut Silvanita
JURNAL MANAJEMEN Vol 13, No 4 (2021)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29264/jmmn.v13i4.10168

This study aims to determine the marketing risks as a whole in red chili agribusiness in the Cibedug village, Ciawi area. West Java is one of the chili agribusiness centers closest to the capital city which is a very large market potential. Starting with a group discussion forum among red chili farmers, the authors use interviews as well as surveys of red chili agribusiness entrepreneurs. Data analysis was carried out in a simple qualitative and quantitative way that found at least 10 (ten) unwanted events and the impact of existing opportunities, unwanted events that must be prioritized to be mitigated. The most extreme risk of unwanted events namely different retail price constraints; end consumers who don't take much; profit margins are being eroded by unexpected costs and difficult to find marketing channels that buy routinely.

Pemberian Motivasi Tentang Ekonomi Kreatif KepadaMasyarakat Desa Ktut Silvanita Mangani; Hulman Panjaitan
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 1 No. 2 (2019): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v1i2.1273

Abstrak Kegiatan Pengabdian kepada Masyarakat (PkM) dilaksanakan di Kecamatan Pamatang Sidamanik. Tujuan PkM adalah untuk membangun motivasi masyarakat untuk mengembangkan ekonomi kreatif. Kegiatan PkM dilakukan dengan mengumpulkan masyarakat dari berbagai desa di Kecamatan Pematang Sidamanik. Pelaksanaan kegiatan dilakukan dengan metode ceramah dan tanya jawab. Materi ceramah adalah memberikan pengertian dan menjelaskan mengapa perlu ekonomi kreatif. Bahwa ekonomi kreatif muncul dari berpikir kreatif. Selanjutnya dijelaskan bagaimana mengembangkan ekonomi kreatif, antara lain dengan melalukan metode ATM (Amati, Tiru, Modifikasi). Selanjutnya dijelaskan tentang contoh-contoh desa yang telah mengembangkan ekonomi kreatif berdasarkan potensi yang dimiliki. Kata Kunci:ekonomi kreatif; berfikir kreatif; ATM (Amati Tiru Modifikasi) Abstract Community Service Activity is conducted in Pamatang Sidamanik District. The aims of Community Service Activity is to build community motivation to develop the creative economy. Community Service Activity is carried out by gathering people from various villages in Pematang Sidamanik District. The implementation of the activity is done by lecturing and question and answer method. The lecturing aims to provide understanding and explain, why needs a creative economy. Creative economy comes out from creative thinking. Furthermore, it is explained how to develop a creative economy, among others through the ATM method (Observe, Imitate, Modify). Next, there are explained the examples of villages that have been developed a creative economy based on their potency. Keywords:creative economy,;creative thinking;ATM (Observe, Imitate, Modify)

Pemberian Motivasi Tentang Ekonomi Kreatif KepadaMasyarakat Desa Ktut Silvanita Mangani; Hulman Panjaitan
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 1 No. 2 (2019): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v1i2.1273

Abstrak Kegiatan Pengabdian kepada Masyarakat (PkM) dilaksanakan di Kecamatan Pamatang Sidamanik. Tujuan PkM adalah untuk membangun motivasi masyarakat untuk mengembangkan ekonomi kreatif. Kegiatan PkM dilakukan dengan mengumpulkan masyarakat dari berbagai desa di Kecamatan Pematang Sidamanik. Pelaksanaan kegiatan dilakukan dengan metode ceramah dan tanya jawab. Materi ceramah adalah memberikan pengertian dan menjelaskan mengapa perlu ekonomi kreatif. Bahwa ekonomi kreatif muncul dari berpikir kreatif. Selanjutnya dijelaskan bagaimana mengembangkan ekonomi kreatif, antara lain dengan melalukan metode ATM (Amati, Tiru, Modifikasi). Selanjutnya dijelaskan tentang contoh-contoh desa yang telah mengembangkan ekonomi kreatif berdasarkan potensi yang dimiliki. Kata Kunci:ekonomi kreatif; berfikir kreatif; ATM (Amati Tiru Modifikasi) Abstract Community Service Activity is conducted in Pamatang Sidamanik District. The aims of Community Service Activity is to build community motivation to develop the creative economy. Community Service Activity is carried out by gathering people from various villages in Pematang Sidamanik District. The implementation of the activity is done by lecturing and question and answer method. The lecturing aims to provide understanding and explain, why needs a creative economy. Creative economy comes out from creative thinking. Furthermore, it is explained how to develop a creative economy, among others through the ATM method (Observe, Imitate, Modify). Next, there are explained the examples of villages that have been developed a creative economy based on their potency. Keywords:creative economy,;creative thinking;ATM (Observe, Imitate, Modify)

Evaluasi Administrasi Kegiatan Bank Sampah Cawang Hijau Indah Ktut Silvanita Mangani
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 3 No. 2 (2021): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v3i2.3154

Bank sampah Cawang Hijau Indah RW 06 didirikan sejak 16 September 2013. Pengurus Bank Sampah Cawang Indah melakukan kegiatannya secara rutin satu minggu sekali, dengan menerima beberapa bentuk sampah yang telah ditetapkan pada harga tertentu. Masyarakat yang memberikan/menjual sampahnya ke Bank Sampah tidak menerima uangnya secara tunai, tetapi dicatatkan oleh pengurus dalam Buku Tabungan Bank Sampah, serta dicatat dalam Buku Besar Pengurus. Kegiatan Pengabdian Kepada Masyarakat (PKM) Green Action ke-19, salah satunya adalah evaluasi terhadap administrasi kegiatan Bank Sampah Cawang Hijau RW 06, Kelurahan Cawang. Evaluasi dilakukan melalui wawancara terhadap pengurus dan dengan memperhatikan pembukuan yang dilakukan dalam kegiatan bank sampah. Berdasarkan hasil evaluasi, maka penulis menemukan beberapa kesulitan dalam pencatatan bank sampah, dan disarankan manajemen akuntansi organisasi Bank Sampah mengikuti aturan-aturan standar akuntansi sederhana dengan beberapa modifikasi sesuai dengan kondisi dan kebutuhan organisasi. Saran yang diberikan terkait Prinsip Tabungan dan Prinsip Pencatatan Kegiatan Bank Sampah, yang terdiri dari Pencatatan Buku Tabungan, Pencatatan Jurnal Harian, serta Pencatatan Buku Kas/Neraca Saldo. Kata Kunci: Administrasi Bank sampah

Implementation of Branchless Banking in Bogor: a Figure of New Financial Service in Rural Area Ktut Silvanita Mangani; Yusman Syaukat; Bustanul Arifin; Mangara Tambunan
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 5 No. 1 (2019): JABM Vol. 5 No. 1, Januari 2019
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.5.1.131

Branchless Banking (BB) is a limited financial service provided by financial service providers, such as banks to the customers without having to come to their office. The banks use the third-party called BB Agent and Information Technology. This study aims to provide an overview of the implementation of the BB program in rural areas. This research was carried out in a bank that implemented a BB program. The unit analysis is the BB Agents as an extension of the limited banking services in rural areas and household micro and small businesses conducting financial transactions through the Agents. The method used in this study is descriptive analysis using primary data source through questionnaire.This study was conducted in Bogor District, at 13 Sub-districts. The samples were the BB agents and business households involved in the BB program chosen purposively and analyzed by a descriptive method. The results show that most transactions were in cash and for payment transactions, while savings and cash withdrawal transactions, which are related to production activities, are still minimal. In addition, transactions using digital money (T-Bank) and BSA (Basic Saving Account) as financial products which aims to reach the unbanked communities have not run. Therefore, this study recommends to the Bank to provide adequate education and information to increase public confidence in BB agents. In addition, OJK and BI need to encourage the penetration of BSA products and bring up the culture of digital money in rural areas and encourage the society to utilize the services of financial transactions through BB agents.Keywords: branchless banking, types of transaction, instruments of transaction, digital money, bsaAbstrak: Branchless Banking (BB) adalah jasa keuangan terbatas yang disediakan oleh penyedia jasa keuangan, seperti bank kepada pelanggan, tanpa harus datang ke kantor mereka. Bank menggunakan pihak ketiga (Agen BB) dan Teknologi Informasi. Penelitian ini bertujuan untuk memberikan gambaran tentang implementasi program BB di daerah pedesaan. Penelitian ini dilakukan di bank yang menerapkan program BB. Unit analisis adalah Agen BB sebagai perpanjangan dari layanan perbankan terbatas di daerah pedesaan, serta usaha mikro dan kecil rumah tangga yang melakukan transaksi keuangan melalui Agen BB. Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif dengan menggunakan sumber data primer melalui kuesioner. Studi dilakukan di Kabupaten Bogor di 13 Kecamatan. Sampel agen BB dan rumahtangga usaha yang terlibat dalam BB dipilih secara ‘purposive’. Hasilnya menunjukkan bahwa transaksi paling banyak menggunakan uang tunai dan untuk transaksi pembayaran. Transaksi tabungan dan penarikan tunai, yang berkaitan dengan kegiatan produksi masih minimal. Selain itu transaksi menggunakan uang digital (T-Bank) atau BSA (Basic Saving Account) sebagai produk keuangan yang ditujukan kepada masyarakat unbanked belum berjalan. Oleh karena itu, studi ini merekomendasikan kepada Bank untuk melakukan edukasi dan memberikan informasi yang memadai untuk meningkatkan kepercayaan masyarakat kepada agen. Selain itu memberi rekomendasi kepada OJK dan BI untuk mendorong penetrasi produk BSA dan memunculkan budaya uang digital di daerah perdesaan, selanjutnya mendorong masyarakat untuk memanfaatkan jasa transaksi keuangan melalui agen BB.Kata kunci: branchless banking, jenis transaksi, instrumen transaksi, uang digital, BSA

ECONOMIC BEHAVIOR OF MICRO AND SMALL BUSINESS HOUSEHOLDS IN A BRANCHLESS BANKING SYSTEM Ktut Silvanita Mangani; Yusman Syaukat; Bustanul Arifin; Mangara Tambunan
Journal of Indonesian Economy and Business (JIEB) Vol 34, No 1 (2019): January
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Introduction: This study aims to analyze how the existence of branchless banking in rural areas affects the economic behavior of the micro and small business households, and vice versa. Background Problem: Within the framework at inclusive finance program, Indonesia has implemented the branchless banking model. However, the impact of the branchless banking system to micro and small business household has not discussed yet. Research Method: The research was conducted in Bogor District, with many remote villages adjacent to Jakarta, a capital city of Indonesia. A total of 97 samples of micro and small business households were selected from 13 sub-districts. The estimation was conducted using 2SLS method. The model describes the existing condition that explains the uniqueness of the economic behavior of the micro and small business households in a branchless banking system. Novelty: Studies related to branchless banking generally analyzed from the perspective of banking institutions. However, this study focusses on supply side, namely it analyzDe the household economic behavior using simultaneously equation model. Findings: The results show that the presence of branchless banking agents, as measured by the value of the transactions conducted by the households, have little effect on the economic behavior of the micro and small business households. On the other hand, the economic behavior variables which are expected to affect the value of the transactions do not occur. The results explain that the utilization of the banking services provided through agents in the branchless banking system is in the form of payment transactions. In addition, the presence of branchless banking in rural areas has not affected production activities and vice versa. Conclusion: This study suggests a further study to find out the factors that make business actors unwilling to perform financial transactions related to their production activities through branchless banking agents.

Sosialisasi Peningkatan Kualitas Pelayanan Koperasi Harapan Sejahtera-19, Bekasi Ktut Silvanita Mangani; Arko Pujadi; Saut Pane; Norman Edy; Rini Yulia
JURNAL ComunitÃ Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 4 No. 2 (2022): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v4i2.4208

The progress of the cooperative business is influenced by the management pattern, type of the business, capital, activity of its members, and others. Therefore, a cooperative needs to know whether the cooperative implemented a good management pattern and produces good performance, and meets the expectations of its members. This Community Service (PkM) activity is a socialization of the results of a survey on the service performance of the Cooperative of Harapan Sejahtera-19 towards the expectations of the residents of RW 19 Graha Harapan Housing, Mustika Jaya Village, East Bekasi. By knowing the opinions of the members and the community involved in the cooperative's activities, then the cooperative can improve its performance to meet the expectations of its customers. The method is to describe service performance and service satisfaction, then analyze them using a Cartesian diagram. Based on the diagram, then produces recommendations for the development of the Cooperative of Harapan Sejahtera-19. Input for cooperative management is about clarity of information related to cooperative performance as well as easier loan procedures and requirements. Keywords: Cooperative; service performance; services satisfaction

Perkembangan agen branchless banking Ktut Silvanita Mangani; Martua Eliakim Tambunan; Adolf B. Heatubun
KINERJA Vol 17, No 1 (2020): Maret
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jkin.v17i1.6525

Program Branchless Banking (BB) adalah program nasional yang dilaksanakan oleh Bank Indonesia untuk mencapai tujuan Keuangan Inklusif. Tujuan Keuangan Inklusif adalah untuk mendorong pertumbuhan ekonomi, menciptakan distribusi pendapatan yang adil bagi masyarakat serta mengurangi kemiskinan dan menstabilkan sistem keuangan dengan menyediakan akses keuangan kepada masyarakat. Penelitian ini bertujuan untuk memotret implementasi program Branchless Banking di Kabupaten Sumedang, Provinsi Jawa Barat, dengan menggunakan metode kualitatif. Hasil penelitian menemukan bahwa layanan keuangan melalui agen Branchless Banking telah berjalan dengan baik dan lancar di wilayah Kabupaten Sumedang. Namun, sosialisasi program BB dalam hal perekrutan agen tidak dilakukan secara terbuka oleh Unit Bank tetapi dilakukan berdasarkan kriteria kepemilikan modal dan kegiatan bisnis. Unit Bank sebagai regulator di tingkat implementasi belum memperhitungkan kebutuhan pasar dan jenis produk sesuai dengan kegiatan bisnis agen dan pelanggan di masa depan. Karena itu, target pertumbuhan ekonomi sebagai tujuan keuangan inklusif masih sulit untuk dicapai.

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