Muhammad Rizki Aulia
Politeknik Unggulan Cipta Mandiri

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Risk Evaluation in Providing Gold Credit at PT Pegadaian Medan Sunggal Branch Citra Astuti; Muhammad Rizki Aulia; Sri Mulyani
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.8606

Abstract

Gold loans are one of PT Pegadaian's flagship products, playing a crucial role in meeting the public's financing needs with gold as collateral. Despite their relatively high level of security, gold loans still carry various risks, such as credit risk, the risk of gold price fluctuations, and operational risk. Therefore, risk evaluation in gold loans is crucial to ensure smooth operations and maintain the company's financial performance. This study aims to evaluate the risks involved in the gold loan disbursement process at PT Pegadaian's Medan Sunggal Branch and identify the risk control easures implemented. This study used a descriptive qualitative approach, collecting data through interviews, observation, and documentation. The research informants consisted of branch managers and employees directly involved in the gold loan disbursement process. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results indicate that the main risks in gold loans at PT Pegadaian's Medan Sunggal Branch include credit risk due to late customer payments, the risk of gold price fluctuations that can affect the collateral value, and operational risks related to the appraisal and administration processes. However, PT Pegadaian Medan Sunggal Branch has implemented various risk management strategies, including gold valuation standards, strict operational procedures, and regular credit monitoring. This research is expected to provide evaluation material and input for management in improving the effectiveness of gold credit risk management.
Implementasi Budaya Total Quality Management (TQM) Dalam Meningkatkan Kualitas Pelayanan Purna Jual PT Autolift Karya Inovasi Debri Ton Mario Hutasoit; Muhammad Rizki Aulia
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

After-sales service quality is a strategic factor in maintaining customer loyalty within a company. The implementation of a Total Quality Management (TQM) culture is widely recognized as an effective approach to improving service performance through customer orientation, employee involvement, standardized process management, and continuous improvement. This study aims to analyze the implementation of a TQM culture in enhancing the quality of after-sales services at PT Autolift Karya Inovasi in Medan City. The research employed a qualitative approach using a case study design. Data were collected through in-depth interviews with management personnel, technicians, administrative staff, and corporate customers, and were complemented by observations and document analysis. Data were analyzed using the interactive model developed by Miles, Huberman, and SaldaƱa, which consists of data reduction, data display, and conclusion drawing, while triangulation techniques were applied to ensure the credibility of the findings. The results indicate that the implementation of the TQM culture has been relatively effective. Customer focus is reflected in the established response-time standards for handling customer complaints, while cross-functional collaboration among administrative staff, technicians, and spare parts personnel has improved service coordination. In addition, the implementation of standardized operating procedures has contributed to consistent service quality, and continuous improvement has been supported through periodic evaluations of service performance. Nevertheless, the study also reveals that delays in spare parts distribution and variations in response times across customer locations remain significant challenges in maintaining consistent service quality. This study provides empirical evidence regarding the implementation of TQM in a technical distribution company operating in the Business-to-Business (B2B) market and offers managerial recommendations to enhance after-sales service effectiveness through strengthened cross-departmental coordination, optimized spare parts inventory management, and the development of a real-time service monitoring system..