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Sadikin Kuswanto
CDE Consulting Group
Decision Sciences, Operations Research & Management

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Efektivitas Sosialisasi Perbankan Syariah Melalui Program Kolokasi di BNI KLN IPB Dramaga Mohamad Irsan Barkah Prawiradisastra; M. Syamsul Ma’arif; Sadikin Kuswanto
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 4 No. 1 (2018): JABM Vol. 4 No. 1, Januari 2018
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.4.1.1

Abstract

In the conduct of the socialization of sharia banking, BNI Sariah holds the collocation of letters carried out in BNI KLN IPB Dramaga. With the Collocation Program of BNI Sariah, we can see the effectiveness of socialization of sharia banking. The objectives of research are to analyze and to measure the impact of Brand awareness of BNI Sariah toward the effectiveness of BNI Sariah collocation program in BNI KLN IPB dramaga, to identify the dominant variable in determining the effectiveness of socializing of sharia banking, and to analyze the influence of Responsiveness of service officer of collocation program in BNI KLN IPB Dramaga. This research used quantitative analysis using the survey analyst to customers of BNI Sariah in BNI KLN IPB Dramaga and BNI Sariah Bogor and the analysis structural equation modelling (SEM). Based on the results of the analysis using the structural equation modelling (SEM), a conclusion can be taken from the study: collocation program is considered to have a positive and effective impact to increase the effectiveness of socialization of sharia banking that was carried out by BNI Sariah. Responsiveness is the dominant variable that supports the success of an effective socialization of BNI Sariah. Brand awareness also supports the socialization program, where BNI Sariah Brand is also well known among the public especially those who live in Dramaga.Keywords: effectiveness, socialization, sharia banking, responsiveness, brand awareness, SEM
Efisiensi Penyaluran Kredit Ritel Komersial Terhadap Sektor Umkm di BRI (Studi Kasus di BRI Kantor Wilayah Jakarta 3) Bagus Ary Wibowo; Amzul Rifin; Sadikin Kuswanto
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 4 No. 2 (2018): JABM Vol. 4 No. 2, Mei 2018
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.4.2.308

Abstract

BRI Bank has its main focus to develop micro, small, and medium enterprises (UMKM). With the support of 18 Regional Offices, BRI has become the pioneer in distributing commercial retail credit. However, from 2010 to 2015, the percentage of BRI profit decreased. This research aimed to analyze the efficiency level and examine the factors affecting the commercial retail credit channeling in BRI Regional Office 3 to the SME sector. The research was conducted using DEA and Panel Regression methods with secondary data in the Financial Statements of BRI Jakarta Regional Office 3, year-end periods of 2013, 2014 and 2015. Based on the analysis conducted using the DEA method, the results indicated that 4 DMU units (Branch Offices) from the total of 36 DMU units; i.e. in Joglo, Sanggau, Singkawang and Tangerang Merdeka achieved their efficiency value in the year of 2013-2015 consistently; that is, they were able to complete the work correctly by using minimum inputs that produce maximum outputs. Based on the significant value, factors affecting the efficiency of banks include operational costs, NPL, credit growth, and realization of debtors. The control of input or cost, the increase of retail credit productivity, and good credit quality maintenance can influence the efficiency score of each work unit in Regional Office 3 of BRI Jakarta, so it can give profit contribution for the company.Keywords: efficiency, BRI, credit, SME, DEAAbstrak: Bank BRI memiliki fokus utama untuk mengembangkan usaha mikro, kecil dan menengah (UMKM). Dengan dukungan 18 Kantor Wilayah (Kanwil) yang dimiliki menjadikan BRI pionir dalam menyalurkan kredit ritel komersial. Namun dari Tahun 2010 hingga Tahun 2015 persentase laba BRI terjadi penurunan. Bertujuan untuk menganalisis tingkat efisiensi dan mengetahui faktor yang memengaruhi penyaluran kredit ritel komersial Kanwil BRI Jakarta 3 kepada sektor UMKM menggunakan metode DEA dan Regresi Panel dengan data sekunder berupa Laporan Keuangan BRI Kanwil Jakarta 3 periode akhir Tahun 2013, 2014 dan 2015. Berdasarkan hasil analisa menggunakan metode DEA menunjukkan bahwa 4 unit DMU (Kantor Cabang) dari total 36 unit DMU, yaitu Joglo, Sanggau, Singkawang dan Tangerang Merdeka telah mencapai nilai efisiensi pada Tahun 2013-2015 secara konsisten yaitu dapat menyelesaikan pekerjaan secara benar dengan menggunakan input yang minimal menghasilkan output yang maksimal. Berdasarkan nilai signifikan faktor-faktor yang memengaruhi tingkat efisiensi perbankan, di antaranya adalah biaya operasional, NPL, pertumbuhan kredit dan realisasi debitur. Pengendalian sisi input atau biaya, peningkatan produktifitas kredit ritel dan menjaga kualitas kredit yang baik dapat memengaruhi skor efisiensi dari masing-masing unit kerja di Kanwil BRI Jakarta 3 sehingga dapat memberikan kontribusi laba bagi perusahaan.Kata kunci: efisiensi, BRI, kredit, UMKM, DEA
Co-Authors Amzul Rifin Bagus Ary Wibowo M. Syamsul Ma’arif Mohamad Irsan Barkah Prawiradisastra