Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Vol. 12 No. 3 (2026): Volume 12 No. 3, September 2026 Release

PENGELOLAAN DOKUMEN PEMBIAYAAN NASABAH PADA BAGIAN FINANCING CHANNEL BANK SYARIAH INDONESIA PALEMBANG

Dzakiyah Erlinda Agatha (Universitas Al-Qur'an Al-Ittifaqiah Indralaya)
Eka Selpi Yanti (Universitas Al-Qur'an Al-Ittifaqiah Indralaya)
Muhammad Jum`aidi (Universitas Al-Qur'an Al-Ittifaqiah Indralaya)
Egi Anggara (Universitas Al-Qur'an Al-Ittifaqiah Indralaya)
Nia Andria Erzah (Universitas Al-Qur'an Al-Ittifaqiah Indralaya)



Article Info

Publish Date
06 Jul 2026

Abstract

The management of financing documents is a crucial aspect in the operations of Islamic banking, particularly in ensuring administrative order, data security, and the smooth processing of customer financing. Bank Syariah Indonesia (BSI) FC Palembang, as one of the financing service units, is required to manage documents systematically, accurately, and based on information technology. This study aims to analyze the customer financing document management system in the Financing Channel division of BSI Palembang, identify the obstacles encountered, and explain the mitigation efforts undertaken. A qualitative descriptive approach was used, with data collected through observation, direct practice, interviews, and documentation studies during Field Work Practice (PKL) from January 8 to February 6, 2026. The results show that financing document management at BSI FC Palembang is carried out through a structured series of stages, including document reception and verification, grouping and classification, digitization (scanning), index numbering, digital archiving, and physical document storage. This process is supported by an information system and clear Standard Operating Procedures (SOP). However, several challenges remain, including dependence on technology systems, risk of human error, time-consuming scanning processes, and limited HR competence in digital archiving. SWOT analysis shows that the system has strengths in digital archiving and standardized numbering, opportunities in technological advances and digital transformation regulations, yet faces threats from cybersecurity risks and financial institution competition. The study concludes that professional financing document management significantly contributes to improving service quality and customer trust at BSI. Keywords: Document Management, Customer Financing, Digital Archiving, Bank Syariah Indonesia, Financing Channel.

Copyrights © 2026






Journal Info

Abbrev

didaktik

Publisher

Subject

Education

Description

Didaktik : Jurnal Ilmiah PGSD STKIP Subang adalah salah satu jurnal yang dterbitkan oleh STKIP Subang, jurnal ini mempunyai bidang cakupan yaitu Penelitian Pendidikan. Terbit pada bulan Juni dan Desember setiap tahunnya. Didaktik : Jurnal Ilmiah PGSD STKIP Subang melalui proses review oleh dua ...