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The World of Financial Administration Journal
Published by Universitas Subang
ISSN : 27222209     EISSN : 27222217     DOI : 10.37950/wfaj
Core Subject : Social,
Social Sciences
The World Financial Administration Journal (WFAJ) is a scientific journal that publishes original articles on the latest knowledge, research or applied research and other developments in the fields of Financial Administration, Financial Policy, Central and Local Government Financial Management, Taxation, Banking, Financial Systems, Financial Management Of The Stock Market, Financial Management, Financial Sector Organization Leadership, Managerial archives, and offices. Since 2019 this journal has been published routinely twice a year (June and December). The main audience was academics, D3 diploma students, Bachelor, Postgraduate, practitioners and others interested in Financial Administration Issues
Arjuna Subject : Ilmu Sosial - Administrasi Publik
Articles 74 Documents
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Prosedur Pelayanan Customer Service Di PT. Bank Woori Saudara Indonesia 1906, Tbk. Kantor Cabang Subang Annissa Priyanka Putri; Iwan Setiawan Rachmat
The World of Financial Administration Journal Volume 8 Issue 1, Juni 2026
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v8i1.2658

Abstract

Abstrak Penelitian ini dilakukan pada PT. Bank Woori Saudara Indonesia 1906, Tbk. Kantor Cabang Subang yang bertujuan untuk mengetahui prosedur pelayanan customer service, jenis layanan yang diberikan, serta kendala dan upaya dalam pelaksanaan pelayanan kepada nasabah. Dalam Tugas Akhir ini penulis bertujuan untuk mengetahui: (1) prosedur pelayanan customer service, (2) jenis layanan yang diberikan kepada nasabah, (3) kendala yang dihadapi dalam pelayanan, serta (4) upaya yang dilakukan dalam meningkatkan kualitas pelayanan. Metode yang digunakan yaitu metode deskriptif dengan pendekatan kualitatif. Teknik pengumpulan data dilakukan melalui observasi, wawancara, studi pustaka, dan dokumentasi. Hasil penelitian menunjukkan bahwa prosedur pelayanan customer service sudah berjalan dengan baik dan sesuai dengan Standar Operasional Prosedur (SOP). Layanan yang diberikan meliputi pembukaan rekening, penutupan rekening, penggantian kartu ATM, serta penanganan keluhan nasabah. Namun, masih terdapat beberapa kendala seperti antrian pada jam sibuk dan keterbatasan jumlah petugas. Oleh karena itu, diperlukan upaya peningkatan pelayanan seperti peningkatan kualitas sumber daya manusia dan optimalisasi sistem pelayanan. Kata kunci : Prosedur Pelayanan, Customer Service, Kepuasan Nasabah   Abstract This research was conducted at PT. Bank Woori Saudara Indonesia 1906, Tbk. Subang Branch Office, aiming to determine customer service procedures, types of services provided, as well as the challenges and efforts in service implementation to customers. This final project aims to identify: (1) customer service procedures, (2) types of services provided, (3) obstacles faced in service delivery, and (4) efforts made to improve service quality. The method used is descriptive with a qualitative approach. Data collection techniques include observation, interviews, literature study, and documentation. The results show that customer service procedures have been implemented properly in accordance with Standard Operating Procedures (SOP). The services include account opening, account closing, ATM card replacement, and handling customer complaints. However, there are still some obstacles such as queues during peak hours and limited staff. Therefore, improvements are needed, especially in enhancing human resources and optimizing service systems.  Keywords: Service Procedures, Customer Service, Customer Satisfaction. 
Analisis Prosedur Pemberian Kredit Pada PT. BPR Nusumma Cabang Cisalak Tria Nurul Maulida; Aziz Muhammad
The World of Financial Administration Journal Volume 8 Issue 1, Juni 2026
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v8i1.2659

Abstract

Abstrak Penelitian ini dilatarbelakangi oleh pentingnya penerapan prosedur pemberian kredit yang sesuai dengan Standar Operasional Prosedur (SOP) pada Bank Perkreditan Rakyat (BPR), khususnya dalam meminimalkan risiko kredit bermasalah. Pada PT BPR Nusumma Cisalak, masih ditemukan adanya nasabah dengan kondisi kurang lancar dan tidak lancar, yang menunjukkan adanya kendala dalam pelaksanaan prosedur kredit. Rumusan masalah dalam penelitian ini adalah bagaimana prosedur pemberian kredit pada PT BPR Nusumma Cisalak, sedangkan tujuan penelitian ini adalah untuk mengetahui prosedur pemberian kredit yang diterapkan pada PT BPR Nusumma Cisalak. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif, dengan teknik pengumpulan data yang dilakukan melalui observasi, wawancara, dan dokumentasi, serta teknik analisis data menggunakan analisis deskriptif kualitatif dengan cara mengumpulkan, mengolah, dan menafsirkan data yang diperoleh di lapangan. Hasil penelitian menunjukkan bahwa prosedur pemberian kredit pada PT BPR Nusumma Cisalak telah dilaksanakan secara sistematis, meliputi tahap pengajuan, analisis kelayakan dengan prinsip 5C, pencairan, hingga pengawasan kredit. Meskipun demikian, dalam pelaksanaannya masih terdapat beberapa kendala, seperti kurang optimalnya analisis kredit, ketidaksesuaian data lapangan, serta keterbatasan pengawasan terhadap pembayaran angsuran. Hal tersebut berpengaruh terhadap munculnya kredit kurang lancar dan tidak lancar. Berdasarkan hasil tersebut, dapat disimpulkan bahwa pelaksanaan prosedur pemberian kredit telah sesuai dengan SOP, namun masih perlu peningkatan dalam implementasinya agar risiko kredit dapat diminimalisir. Kata kunci : Prosedur Kredit, Kepatuhan SOP, Risiko Kredit.   Abstract This study is motivated by the importance of implementing credit granting procedures in accordance with Standard Operating Procedures (SOP) in Rural Banks (BPR), particularly in minimizing the risk of non-performing loans. At PT BPR Nusumma Cisalak, there are still customers categorized as substandard and non-performing, indicating obstacles in the implementation of credit procedures. The problem formulation of this study is how the credit granting procedures are implemented at PT BPR Nusumma Cisalak, while the purpose of this study is to determine the credit granting procedures applied at PT BPR Nusumma Cisalak. This study uses a qualitative research method with a descriptive approach, with data collection techniques carried out through observation, interviews, and documentation, while data analysis techniques use descriptive qualitative analysis by collecting, processing, and interpreting the data obtained in the field. The results of the study indicate that the credit granting procedures at PT BPR Nusumma Cisalak have been implemented systematically, including the stages of application, feasibility analysis using the 5C principle, disbursement, and credit monitoring. However, in its implementation, several obstacles still exist, such as suboptimal credit analysis, discrepancies in field data, and limitations in monitoring installment payments. These issues contribute to the occurrence of substandard and non-performing loans. Based on these findings, it can be concluded that the implementation of credit granting procedures has been carried out in accordance with the SOP, but improvements are still needed in its implementation to minimize credit ris.  Keywords: Credit Procedures, SOP Compliance, Credit Risk.        
Implementasi Kebijakan Kredit PT. Bank Perekonomian Rakyat Karyautama (BPRKU) Jawa Barat Perseroan Daerah Di Kabupaten Subang Sandra Elisa Herdiyana; Hani Ruchendi
The World of Financial Administration Journal Volume 8 Issue 1, Juni 2026
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v8i1.2660

Abstract

Abstrak Kredit merupakan salah satu instrumen utama dalam kegiatan perbankan yang memiliki peran penting dalam mendorong pertumbuhan ekonomi masyarakat, khususnya dalam pembiayaan sektor usaha mikro, kecil, dan menengah (UMKM). PT. BPR Karya Utama Jabar Perseroda Kabupaten Subang sebagai lembaga keuangan daerah memiliki tanggung jawab dalam menyalurkan kredit secara efektif, efisien, dan tepat sasaran. Namun, dalam implementasinya masih terdapat berbagai kendala yang dapat mempengaruhi kelancaran proses penyaluran kredit. Penelitian ini bertujuan untuk menganalisis implementasi kebijakan kredit serta mengidentifikasi faktor pendukung dan penghambat dalam pelaksanaannya di PT. BPR Karya Utama Jabar Perseroda Kabupaten Subang. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kualitatif. Teknik pengumpulan data dilakukan melalui observasi langsung, wawancara dengan pihak terkait, serta studi pustaka. Hasil penelitian menunjukkan bahwa implementasi kebijakan kredit telah dilaksanakan sesuai dengan prosedur yang ditetapkan, mulai dari tahap pengajuan, analisis kelayakan, hingga pencairan kredit. Namun, dalam pelaksanaannya masih ditemukan beberapa hambatan seperti kurangnya pemahaman nasabah terhadap persyaratan kredit, keterbatasan dokumen administratif, serta faktor internal seperti keterbatasan sumber daya manusia. Oleh karena itu, diperlukan upaya peningkatan kualitas pelayanan dan sosialisasi kepada masyarakat agar implementasi kebijakan kredit dapat berjalan lebih optimal. Kata kunci : Implementasi Kebijakan, Kredit, Perbankan, BPR.   Abstract Credit is one of the main instruments in banking activities that plays an important role in promoting economic growth, particularly in financing micro, small, and medium enterprises (MSMEs). PT. BPR Karya Utama Jabar Perseroda, Subang Regency, as a regional financial institution, has the responsibility to distribute credit effectively, efficiently, and appropriately. However, in its implementation, there are still various obstacles that may affect the smooth process of credit distribution. This study aims to analyze the implementation of credit policy and to identify the supporting and inhibiting factors in its implementation at PT. BPR Karya Utama Jabar Perseroda, Subang Regency. The research method used is descriptive with a qualitative approach. Data collection techniques include direct observation, interviews with related parties, and literature study. The results of the study indicate that the implementation of credit policy has been carried out in accordance with established procedures, starting from the application stage, feasibility analysis, to credit disbursement. However, in practice, there are still several obstacles such as the lack of customer understanding of credit requirements, limitations in administrative documents, and internal factors such as limited human resources. Therefore, efforts are needed to improve service quality and enhance public socialization so that the implementation of credit policy can run more optimally.  Keywords: Policy Implementation, Credit, Banking, Rural Bank (BPR). 
Prosedur Pembayaran Honor Tenaga Harian Lepas (THL) Di Dinas Lingkungan Hidup (DLH) Kabupaten Subang   Angga Taufik; Titin Kartini; Ade Suparman
The World of Financial Administration Journal Volume 8 Issue 1, Juni 2026
Publisher : Fakultas Ilmu Administrasi Universitas Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/wfaj.v8i1.2661

Abstract

Abstrak Penelitian ini bertujuan untuk memahami secara mendalam prosedur pengelolaan honor Tenaga Harian Lepas (THL) di Dinas Lingkungan Hidup Kabupaten Subang serta mengidentifikasi faktor-faktor yang menyebabkan keterlambatan pencairan honor. THL memiliki peran penting dalam mendukung operasional dinas, sehingga ketepatan waktu pembayaran honor menjadi aspek yang krusial untuk menjaga kinerja dan kesejahteraan tenaga kerja. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara, observasi, dan telaah dokumen resmi yang terkait dengan proses administrasi pembayaran honor. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan untuk memperoleh gambaran yang komprehensif mengenai pelaksanaan prosedur di lapangan. Hasil penelitian menunjukkan bahwa meskipun prosedur pengelolaan honor telah tersusun dalam alur administrasi yang jelas, praktiknya masih menghadapi berbagai hambatan. Keterlambatan pembayaran honor dipengaruhi oleh lambatnya pengumpulan data kehadiran, proses verifikasi yang panjang, serta kendala anggaran dan teknis administrasi. Temuan ini menegaskan perlunya evaluasi dan perbaikan sistem untuk meningkatkan efektivitas dan ketepatan waktu pembayaran honor. Kata kunci : Pengelolaan Honor, Tenaga Harian Lepas, Prosedur Administrasi.   Abstract This study aims to provide an in-depth understanding of the honorarium management procedures for Daily Freelance Workers (Tenaga Harian Lepas/THL) at the Environmental Office of Subang Regency and to identify the factors that cause delays in honorarium disbursement. THL workers play an essential role in supporting the operational activities of the office, making the timeliness of payments a crucial aspect in maintaining performance and worker welfare. This research employs a qualitative method with a descriptive approach. Data were collected through interviews, field observations, and a review of official documents related to the administrative process of honorarium payment. The data were analyzed through stages of data reduction, data presentation, and conclusion drawing to provide a comprehensive picture of the procedures implemented in the field. The findings indicate that although the honorarium management procedures have been structured with clear administrative steps, their implementation still faces various obstacles. Delays in payment are influenced by slow submission of attendance data, lengthy verification processes, and budgetary as well as administrative technical constraints. These findings highlight the need for evaluation and system improvement to enhance the effectiveness and timeliness of honorarium disbursement.  Keywords: Honorarium Management, Daily Freelance Workers, Administrative Procedures.

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