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Analysis of the small segment credit business process at Bank ABC Indonesia
| Content Provider | Scilit |
|---|---|
| Author | Saifullah, A. C. Kusumastuti, R. D. |
| Copyright Year | 2018 |
| Abstract | Banks function as the intermediary that collects funds from the public and channels it back in the form of credit loans to society. One credit segment that plays an important role in developing Small and Medium Enterprises (SMEs) is small segment credit. Bank ABC is a state-owned enterprise in Indonesia, and the management repeatedly changes the number of credit officers involved in processing small segment credit applications from two officers to only one officer. The objective of this study is to analyze which business process is better and propose ways to improve the process. We conduct interviews to gather primary data, and collect secondary data related to both business processes. We use flowcharts to compare both processes, and use three parameters (application processing time, percentage of realized target of debit balance, and non-performing loans) to determine which is the better process. The findings show that the current credit process (with one credit officer) has a higher realized target of debit balance and a shorter processing time than the previously applied process (with two credit officers). However, this results in a higher percentage of non-performing loans and, thus, we propose improvements by simplifying the business process, reorganizing the small credit segment division, and simplifying the credit analysis forms. Keywords: business process analysis; small segment credit; bank.Bank ABC is a state-owned enterprise in Indonesia, and the management repeatedly changes the number of credit officers involved in processing small segment credit applications from two officers to only one officer. This chapter analyzes which business process is better and proposes ways to improve the process. It presents the business processes of credit applications that were previously and are currently applied at the small segment credit center at Bank ABC. Bank ABC is a state-owned commercial bank, which also has a mission to support the growth of micro and small businesses by providing financing for them. The chapter proposes improvements by simplifying the business process, reorganizing the small credit segment division, and simplifying the credit analysis forms. Small and medium enterprises play a significant role in the Indonesian economy. Credit loan applications for the small segment are processed by the Small Credit Centre, and Bank ABC has 51 SKCs nationwide. |
| Related Links | https://content.taylorfrancis.com/books/download?dac=C2017-0-61685-1&isbn=9781351241892&format=googlePreviewPdf |
| Ending Page | 270 |
| Page Count | 4 |
| Starting Page | 267 |
| DOI | 10.1201/9781351241892-50 |
| Language | English |
| Publisher | Informa UK Limited |
| Publisher Date | 2018-04-17 |
| Access Restriction | Open |
| Subject Keyword | Book Name: Increasing Management Relevance and Competitiveness Agricultural Engineering State Owned Credit Business Process Small Segment Credit Bank Abc Is a State |
| Content Type | Text |
| Resource Type | Chapter |
