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All Journal KIC Prosiding Simposium Nasional Manajemen dan Bisnis
Afifah, Dien Ayu Nur
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Analysis of Procedures for Providing Subsidized Housing Loan (KPR) to Increase the Effectiveness of Loan Provision to Bank X Afifah, Dien Ayu Nur; Fauji, Diah Ayu Septi
Proceeding Kilisuci International Conference on Economic & Business Vol. 3 (2025): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/

Abstract

Research aim: This study aims to analyze Bank X's procedures for granting Subsidized Housing Loans (KPR), identify obstacles faced, and provide recommendations to increase the effectiveness of the credit granting process. Design/Methode/Approach: The research method used in this study is qualitative descriptive, which explains, describes, and answers questions in more detail and by the actual situation of the problem to be studied. In this study, we analyze in detail the procedure for granting Subsidized Housing Loans (KPR) at Bank X.  Research Finding: The procedure for granting Subsidized Housing Loans (KPR) at Bank X has gone well, even though several obstacles remain. The procedure starts with several stages: submission by users/customers, checking the requirements and completeness of documents by Consumer Loan Sales (CLS), interviews and checking SLIK by Consumer Loan Sales (CLS), verification and assessment, credit agreements, and disbursement. Theoretical Contribution/Originality: This research contributes to the development of management theory by reinforcing that it is essential to implement standard operating procedures (SOPs) in business. Practitioner/Policy implication: The results of this study provide practical recommendations to simplify administrative procedures, adopt digital solutions to reduce manual processes, improve staff training to improve service quality so that misinformation does not occur, display procedures and requirements in detail, and provide time deadlines at each stage. This recommendation can help Bank X and similar institutions optimize the procedure for granting subsidized mortgages. Research limitation: This research is limited to one branch of Bank X, so the findings may not be generalized to other branches or institutions. To validate and expand the findings, further research can be carried out with comparative studies in several branches or banks.
PENERAPAN METODE ECONOMIC ORDER QUANTITY (EOQ) UNTUK MENINGKATKAN EFISIENSI PENGENDALIAN PERSEDIAAN BAHAN BAKU PADA WIDYA KONVEKSI Afifah, Dien Ayu Nur; Arely, Benedikta Dea; Setyaningrum, Kharisma; Limantara, Arthur Daniel
Prosiding Simposium Nasional Manajemen dan Bisnis Vol. 3 (2024): Simposium Manajemen dan Bisnis
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/9m8tcm38

Abstract

Tujuan dari penelitian ini adalah untuk mengevaluasi pengendalian persediaan bahan baku di Widya Konveksi dengan membandingkan kebijakan pengelolaan persediaan yang sedang diterapkan di perusahaan dengan penggunaan metode EOQ. Hasil penelitian menunjukkan bahwa pengendalian persediaan yang lebih efisien dapat dicapai dengan menggunakan metode EOQ. Hal ini terbukti mampu menghasilkan penghematan dalam biaya yang harus dikeluarkan. Dalam hal ini, jumlah rata-rata pembelian bahan baku adalah 3.550 meter setiap kali pemesanan dengan total 12 kali pemesanan dalam setahun, dan biaya persediaan sebesar RP. 8.408.333,345,-. Namun, jika menggunakan metode EOQ, jumlah pembelian bahan baku menjadi 15.713,24 meter dengan hanya 3 kali pemesanan dalam setahun, dan biaya persediaan menjadi RP. 3.614.784,84,-. Berdasarkan metode EOQ, perusahaan perlu memiliki safety stock sebesar 1.498 meter dan Reorder Point sebesar 1.420 meter untuk mengantisipasi keterlambatan dalam pengadaan bahan baku dan memastikan ketersediaan bahan baku sesuai dengan lead time yang ditentukan.
Co-Authors Arely, Benedikta Dea Arthur Daniel Limantara, Arthur Daniel Fauji, Diah Ayu Septi Setyaningrum, Kharisma