Evaluasi Implementasi Sistem Electronic Loan Origination di PT Bank Negara Indonesia (Persero) Tbk
Main Authors: | , Ahadi Aprianto, , Dr. Didi Achjari, S.E., M.Com., Akt., |
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Format: | Thesis NonPeerReviewed |
Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 2011
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Subjects: | |
Online Access: |
https://repository.ugm.ac.id/89808/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=51034 |
Daftar Isi:
- The use of information technology in the banking industry sector has been growing rapidly, especially for supporting companies in competition and gain competitive advantages. Following this trend, one of the largest banks in Indonesia, PT Bank Negara Indonesia (Persero) Tbk, has been implementing Electronic Loan Origination (eLO) for commercial loans as one of the new information technology since 2008. This research aims to provide a complete, detailed, clear, and systematic picture about the role of the eLO system in supporting the strategy of PT Bank Negara Indonesia (Persero) Tbk in 2008 and 2009. The study was designed as a qualitative research approach of case study. Data collected through observations, interviews with selected participants, and review related documents. The analytical method used was content analysis through a critical review to obtain a complete, detailed, clear, and systematic picture about some aspects of normative research in order to seek and find some reasons for justification or rejection. The results show six factors that trigger or encourage the implementation of the eLO system, ie a positive response to the appeals for increasing in sources of financing to small businesses, changes in lending model, the implementation of ICONS, small segment loans that more resistant to crisis, high potential to revenue or profitability, and successful implementation of eLO for consumer loans. The study also reveals that although credit scoring models in the eLO system is intended to provide recommendations for approval or rejection of a credit application, but for loan officers, the calculation of the scoring has not fully become a basis or give confidence in the decisions. They believe that the scoring parameters do not represent the decision-making process so that they still rely on judgmental ability. In conclusion, the eLO system is more accurately described as a system that combines credit scoring models and judgmental analysis. Related to the company's strategy, the eLO system has at least three main dimensions, namely asset management, profitability, and efficiency, so the eLO system is considered to have been able to support the company's strategy in 2008 and 2009. In addition, developing and maintaining the eLO system by EUC proves a better able to meet the needs of the business. However, it has risks which are causing friction between business and monitoring functions, less efficient, and inadequate resources and worse risk management to the eLO system. On the other hand, the imposition of interest rate on the products that are processed by the eLO system is based on the firm policy only and not on a credit scoring process.