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All Journal Journal of Business and Management The Indonesian Journal of Business Administration Journal The Winners JAM : Jurnal Aplikasi Manajemen EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis The Asian Journal of Technology Management (AJTM) Journal of Economic, Bussines and Accounting (COSTING) SEIKO : Journal of Management & Business Almana : Jurnal Manajemen dan Bisnis Inovasi: Jurnal Ilmiah Ilmu Manajemen International Journal of Economics Development Research (IJEDR) Economics and Digital Business Review Jurnal Pajak dan Bisnis (Journal of Tax and Business) Jurnal Impresi Indonesia Marcapada: Jurnal Kebijakan Pertanahan Jurnal Locus Penelitian dan Pengabdian Journal of Accounting and Finance Management (JAFM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies e-Jurnal Apresiasi Ekonomi Journal Integration of Social Studies and Business Development Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidikan dan Informatika (MANEKIN)
Harimukti Wandebori
School of Business and Management, Institut Teknologi Bandung, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Journal : International Journal of Economics Development Research (IJEDR)

 1 
Economic Efficiency Through Digital Transformation: A Strategic Approach to Multipurpose Loan Products Dolitua, Arjuna; Wandebori, Harimukti
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 4 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i4.8099

Abstract

In response to rapid technological advancements in the financial sector, PT. XYZ Finance—a conventional non-bank financial institution—is facing increasing competitive pressure, particularly from the rise of digital financial services (fintech) in Indonesia. One of the most competitive products in this landscape is the multipurpose loan. According to the Financial Services Authority (OJK), outstanding multipurpose loans reached IDR 74.48 trillion as of September 2024, marking a year-on-year growth of 33.73%. This study aims to identify the root causes behind the slow adoption of digital transformation for multipurpose loan products at PT. XYZ Finance and to formulate appropriate business strategies that can enhance its competitiveness. This research employs both qualitative and quantitative methods, combining interviews with internal stakeholders involved in digital lending operations and surveys capturing customer perceptions. Secondary data were obtained from internal company reports and relevant literature. The findings indicate that the slow progress in digital multipurpose loan implementation is primarily driven by the company's deeply rooted conventional culture, low prioritization of digital initiatives, limited investment in technology, and weak promotional strategies. Additionally, intense market competition and the growing threat of substitute products offering faster and more convenient digital loan services exacerbate the challenge. To address these issues, strategic organizational restructuring aligned with a differentiation strategy is recommended, supported by targeted digital product development and improved human resource capabilities across divisions. Digital transformation is thus positioned not only as a technological shift but also as a key economic driver in strengthening PT. XYZ Finance’s strategy execution in the evolving loan market.
Co-Authors A.A. Ketut Agung Cahyawan W Abdul Mutalib Abdul Rahman Saleh Adhytia Pradiktha Darmawan Adnan Faris Sadewo Adrian Adrian Adriatama, Irshad Aliyya, Zalfa Andenko Utama, Andenko Andika Putra Panengah Arthur Simanjuntak Athaya, Neysa Shifra Audya Anindhita, Audya Aziz Laisa, Abdul Azkiya, Salma Calista, Vina Fabiola Chindia Ferdinansari, Chindia Chyntia Ika Ratnapuri, Chyntia Ika Dafid Dafid Darusulistyo, Sidik David CUH Sihotang Dermawan Wibisono Diah Armita, Sendika Dina Fadia Ditaprawira, I Gst. Ngr. Agung Bayu Dolitua, Arjuna Dyasanti Vidya Saputri Erik Joost de Bruijn Fadhil Fahmi Faizal Nasution, Akhmad Fikri Rasyidin, Muhammad Firdaus Ghalba Fitri Fitriyani Florentia Anindita Apsari Isthika Harm-Jan Steenhuis Hendra Winata, Hendra Imaduddin, Dani Akhmad Iman Haryanto Irfan Fauzan Rasyad Iskandar, Bachtiar Ivan Gurhananda Izzah, Zulfa Nurul Jihan Syifania Anwar, Jihan Syifania Jumar Jumar Kenny Kenny Khalandara, Khalandara Lubis, Kevin Fachrul Razi M. Rizqi Fabianto, M. Rizqi Martha Yoanita Matahari Kesadaran, Matahari Melvina Pascaline Mohammad Hamsal Muhamamd Falah Haidi, Muhamamd Falah Muhammad Fakhrizal Muhammad Qareza Qualdi Muhammad Sherdian Wilandria Syofrinaldy Wilandria Syofrinaldy Noer Mulya, Tiwi Permata Mustika Sufiati Purwanegara Namira, Shastya Rizka Novika Candra Astuti Nurlia Roza, Innayah Nurul Huda Patrick Marco Andries, Patrick Marco Pidada, Agung Ananda Putera Pratama, Ridho Qinanti, Rizqyani Rachmat Suhadi Raedi Zulfahmi Hanifi Ratih Ayudyaputri Reza Relen Indriyanto Riandiza, Bima Ricky Febrian, Muhammad Riski Pratama, Riski Rizal Abdullah, Rizal Ronaldo Bagus Putra Rumintjap, Astrid Felicia Rusbagja, Muhammad Zidane Ryan Gulfa Wijaya Sanctita, Mutia Puri Santi Novani Setiawan, Nisa Aulia Nur Shauma, Rena Fazza Simon, Zefanya Ferdinand Sutansyah Marahakim Syukri, Khariful Tama, Widya Teddy Mulyadi Hidayat Tedo Esmu Ziraga, Tedo Esmu Timothy Winata, Hansen Trihandoyo Indroyono Soesilo, Trihandoyo Indroyono Vanya Winona Wahyudi Wahyudi Yonathan Adiputra Susanto Zulkifli Zulkifli