Article Per Year (5 Year)
p-Index From 2021 - 2026
3.507
P-Index
This Author published in this journals
All Journal Jurnal Natapraja : Kajian Ilmu Administrasi Negara Wardah Jurnal Empirika CARADDE: Jurnal Pengabdian Kepada Masyarakat Ultimacomm: Jurnal Ilmu Komunikasi Canrea Journal: Food Technology, Nutritions, and Culinary Journal Jurnal Pemerintahan dan Politik Jurnal Ekonomi Pembangunan Jurnal Ilmu Sosial, Politik dan Pemerintahan Frequency of International Relations (FETRIAN) Jurnal Pengabdian Mandiri Aplikasi Administrasi: Media Analisa Masalah Administrasi PESIRAH: Jurnal Administrasi Publik Journal Of Entrepeneurship and Strategic Management (JESM) @-Publik: Jurnal Administrasi Publik Public Service And Governance Journal E-Amal: Jurnal Pengabdian Kepada Masyarakat
Nasyaya, Annada
Jurusan Administrasi Publik, Fakultas Ilmu Sosial Dan Ilmu Politik, Universitas Sriwijaya
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 22 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Public Service And Governance Journal

 1 
Public Value Layanan Kredit Serba Guna Bank Sumsel Babel Cabang Prabumulih dalam Meningkatkan Inklusi Keuangan Bagi Aparatur Sipil Negara di Kota Prabumulih Salsabila Putri Maharani M; Annada Nasyaya
Public Service and Governance Journal Vol. 7 No. 1 (2026): Januari : Public Service And Governance Journal
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/psgj.v7i1.3477

Abstract

This study aims to analyze the creation of public value through the Multi-Purpose Credit (KSG) program implemented by Bank Sumsel Babel Prabumulih Branch in improving financial inclusion for civil servants (ASN) in Prabumulih City. The analysis employs Mark H. Moore's Public Value Strategic Triangle, which consists of three core dimensions: public value, legitimacy and support, and operational capacity. Using a qualitative descriptive method, data were obtained through in-depth interviews, field observations, and document analysis involving seven informants, including internal bank officials and KSG borrowers with varying credit statuses (current, substandard, and non-performing). Overall, the study concludes that the KSG program successfully creates public value by expanding access to formal financial services, strengthening ASN financial literacy, and contributing to local financial inclusion. The findings indicate that the program not only functions as a banking product but also as a public service instrument that supports socioeconomic stability among civil servants. However, several challenges remain, particularly in ensuring equal benefits for borrowers facing repayment difficulties. Therefore, improvements in post-disbursement support, the development of online consultation services, and the provision of continuous and targeted financial education are needed to enhance program sustainability and ensure that public value is distributed more evenly among all borrower categories.
Co-Authors Abdul Halim Agung Osama Dillah Akbar, Dinar Tri Alfitri Alfitri Anang Dwi Santoso Anang Dwi Santoso Angga Christopel Immanuel Lumban Tobing Aninda Nuraygy H Anugrah, Erwin C Aulia Utami Putri Auliya Al Muhsonna Farisha Sestri Musdalifah Hamira, Hamira Hefsa Pebriani Junaidi Junaidi Junaidi Junaidi Kholek, Abdul Mat Syuroh Miftha Pratiwi Muhammad Reynaldi Agustian Muhammad Yusuf Abror Musdalifah, Farisha Sestri Nengyanti, Nengyanti Pahira, Lira Putri Azzahra Putri Iswa Nabilah Putri, Nurilla Elysa Rahmad Hidayah Abellah Rizka Rahmawati Salsabila Putri Maharani M Simarmata, Marudut J.F. Siti Rohima Tahta, M. Hafidz Wargadalem, Farida R. Widiastuty, Ika Yeni Ariska Yogsunandar, Harry Zahana, Yui Zalyanti, Detia Zega, Prima Harlit Zulfikri Suleman