scholarly journals The Internal Factors to Improve and Accelerate the Cycle Time of Credit Business at Indonesian Commercial Bank

Author(s):  
Gilang . ◽  
Gilang . ◽  
Gilang . ◽  
Gilang .

This research aims at studying the shortcomings of business processes at Bank X Surabaya’s Commercial Banking Center and to accelerate the cycle time of business processes through redesigning processes that remove obstacles and improve service quality. This research examines business processes using a case study method. Its primary data were gathered through individual interviews and focus group. Furthermore, the secondary data were collected from company document investigations and observations of existing business processes. The analysis used Process Flow Diagrams, Cause & Effect Diagrams, Value Added Analysis and Flow Analysis to analyze enabler processes and to improve and redesign existing processes. This study found that the business process at Bank X Surabaya’s Commercial Banking Center requires around 48.85 days completing from the application process to the credit disbursement. Then the To-Be design of business processes is carried out on existing business processes. The proposed process reduces the existing processing time and the calculated cycle time is 30.05 days. The proposed business process effectively reduces cycle times and uses organizational resources to achieve better customer satisfaction.

This research aims to study and analyze changes in the organization and improve the organization's values in Commercial Banking Center Mandiri Bank Surabaya. The collection of primary data through individual interviews focus group and secondary data from the investigation of corporate documents and observation of existing employees. Analysis using SWOT matrix aims to analyze the strengths, weaknesses, opportunities and threats as well as to improve and redesign the existing activities. Based on the result of this research using SWOT matrix analysis, it produce 20 strategies that can be used as alternative to improve its performance for Mandiri Bank Surabaya.


2017 ◽  
Vol 12 (3) ◽  
pp. 161
Author(s):  
Andy Lieman Candra

AbstrakSekretariat Fakultas Sains dan Teknologi Universitas Ma Chung merupakan fakultas dimana Penulis melakukan penelitian. Tujuan dari penelitian ini adalah untuk menganalisis proses bisnis yang ada di Sekretariat Fakultas Sains dan Teknologi Universitas Ma Chung berdasarkan dari hasil wawancara dengan beberapa stakeholder yang memiliki kebutuhan ataupun keluhan terhadap setiap proses bisnis yang berjalan, mengidentifikasi permasalahan dari proses bisnis yang kurang efisien dan membuat usulan perbaikan untuk setiap proses bisnis dengan menggunakan pendekatan ilmu Business Process Reengineering (BPR). Penulis juga menggunakan metode analisis nilai tambah pada penelitian ini. Tujuan dari penggunaan metode analisis nilai tambah adalah untuk mengkategorikan langkah maupun elemen kerja ke dalam tiga kategori, yakni value adding, business value adding dan non value adding. Pengaktegorisasian tersebut bertujuan untuk menghilangkan langkah maupun elemen kerja yang termasuk kedalam non value adding dan meminimalkan langkah maupun elemen kerja yang termasuk kedalam business value adding. Penulis mengidentikasi permasalahan setiap proses bisnis dengan menggunakan diagram sebab akibat. Diagram sebab akibat dapat menggambarkan dengan jelas mengenai permasalahan dengan faktor-faktor penyebab yang memengaruhi permasalahan di setiap proses bisnis. Hasil dari penelitian ini adalah pendesainan ulang setiap proses bisnis menurut kebutuhan dan keluhan dari stakeholder dan setiap proses bisnis di Sekretariat Fakultas Sains dan Teknologi didokumentasikan dalam bentuk standard operating procedure (SOP). AbstractSecretariat of Faculty of Science and Technology Ma Chung University is a place where the author conducts research. The purposes of this research are to analyze business processes in Secretariat of Faculty of Science and Technology Ma Chung University based on interview results with some stakeholders who have needs or complaints with ongoing business processes, identify problems of less efficient business processes and make proposed improvements for each business process using the Business Process Reengineering approach. Author also uses value added analysis method on this research. The purpose of using value added analysis method is to categorize steps or tasks in every business process into three categories: value adding, business value adding and non value adding. The categorizations aim to eliminate steps or tasks included into non value adding and minimize steps or tasks included into business value adding. Author identifies problems of each business process by using cause and effect diagram. Cause and effect diagram can clearly illustrate the problems with the underlying factors that affect the problem in each business process. The results of this research are redesigning every business processes according to the interview results with stakeholders about their needs and complaints and also every business process in Secretariat of Faculty of Science and Technology are documented in the form of standard operating procedure. Keywords: Business Process Reengineering, Value Added Analysis, Standard Operating Procedure and Cause and Effect Diagram.


2021 ◽  
Vol 9 (10) ◽  
pp. 821-829
Author(s):  
Dsouza Prima Frederick ◽  
◽  
Krithi a ◽  
Priyanka Nayak ◽  
Bhuvana R. ◽  
...  

Purpose: The core aim of this article is to study the influence of E-Business Processes of foodservice companies on increasing food security. Objectives: To study the theoretical background of the creation of foodservice business processes describe their function in the production cycle evaluate foodservice predictors to understand the framework on how the business processes grounded on digital technologies which have positive impact on food security. Methodology: This paper is based on a variety of existing research on E-Business Processes in the Food Service Industry. The research employed secondary data from a literature analysis of journal publications. Findings: The development and modernisation of digital business process management principle, as well as the intricate performance of all structural elements of the food business, including information and computer technological progressions, all helps in contributing to the firms catering processes that are carried out efficaciously. Originality: In the concept of production and management, the paper mentions the business process and its attributes. The study analyses the various forms and attributes of business processes in the sphere of food services, as well as their content and objectives. The researcher aims to investigate the role of modernization of business processes in the system and management process, as well as the influence on the key outcomes that define successful service market activity. The study contains foodservice industry information with its trends and issues. Value: The study proposes a series of tech methods to enhance the business processes of foodservice companies, with a beneficial influence on food security. Type of paper: Conceptual Research Paper.


2021 ◽  
Vol 10 (12) ◽  
pp. 528-536
Author(s):  
Henry de Jesús Gallardo Pérez ◽  
Mawency Vergel Ortega ◽  
Marling Carolina Cordero Díaz

The added value in education refers to the contribution that the educational institution effectively makes to student learning, expressed as the growth in knowledge, skills and abilities, in a period of time, as a result of their educational experience. The objective of the research is to determine the added value of the academic work of the Universidad Francisco de Paula Santander in the development of physical- mathematical thinking in engineering students and the estimation of a mathematical model that allows its valuation. In model allows analyzing the trajectory of the group of engineering students who entered in the first semester of 2018 and involves endogenous and exogenous variables associated with the process. The research is framed in the quantitative paradigm, descriptive, multivariate and correlational. We work with two types of data, the secondary data are constituted by the students’ grades in 2018 and 2019, this information may present biases because they are different courses with different teachers, however, it allows to see the evolution of students in calculus, statistics and physics courses. Primary data were obtained from a test applied in 2018 and a similar test applied in 2019, graded using item response theory. Results were compared and differences were evaluated to estimate the contribution effectively made by the university.   


2021 ◽  
Vol 2 (2) ◽  
pp. 87-102
Author(s):  
Waidatin Nur Azizah

Sales of used motor vehicles in Indonesia are subject to Value Added Tax (VAT) of 10% of the selling price and are charged to consumers. Value-Added Taxes collected when delivering to consumers are called output taxes. According to PMK Number 79 of 2010, Taxable Entrepreneurs (PKP) who sell retail used motor vehicles credit and input tax of 90% of the output tax. Therefore, PKP remits the payable VAT to the state treasury at 1% of the selling price. As a result, there is a more difference of 9% of the selling price paid by consumers and not deposited in the national treasury. According to research, this 9% excess is income for entrepreneurs and may be subject to income tax. However, no regulations are governing further regarding the taxation of this excess. The purpose of this study is to determine the potential income tax on the excess of VAT on the sale of motorcycles and used car retail. The research method used is descriptive qualitative using primary data and secondary data. Primary data is obtained directly from data sources, namely in-depth interviews with practitioners and academics in taxation at the Fiscal Policy Agency and the Directorate General of Taxation. The results of this study are that there is considerable potential regarding aspects of income tax on the excess of VAT on retail sales of used motorcycles and cars


2020 ◽  
Vol 5 (1) ◽  
pp. 39-49
Author(s):  
Eni Istiyanti ◽  
Francy Risvansuna Fivintari ◽  
Elita Khairunnisaa

Tamarillo has soft characteristics and contains a lot of water so they are easily damaged if stored in fresh form, therefore it is necessary to have post-harvest handling in the form of processing in order to extend the shelf life. The study aims to analyze the costs, income, and profits, as well as the feasibility seen from the R / C, break event point (BEP), and the added value of various tamarillo processed products. The study was conducted in a survey of all tamarillo processed agroindustry in Wonosobo Regency, which amounted to 6 agroindustries. The research method used is descriptive quantitative analysis. The study uses primary data obtained through interviews and secondary data by means of documentation. Tamarillo processed products consist of candied, fruit juice, dodol, wajik, and candied pumpkin. The results showed that the production of candied tamarillo is the most compared to other processed products and can generate the greatest income and profits. All tamarillo processed products are feasible based on R/C, BEP, and value-added criteria. The development of tamarillo agro-industry needs the support of the government and related parties to provide education to consumers about the benefits of tamarillo.


2019 ◽  
Vol 10 (2) ◽  
pp. 19-40
Author(s):  
Badreya Al-Jenaibi

CSR is the obligation of businessmen to follow specific policies for making decisions or to do certain actions with the purpose of recognizing the need of society or any ethical factor to be followed in the entity. It is also for mangers to have responsibility for the public good, where that includes investigating whether the action is effective and contributes in promoting the public good and for advancing the basic societal beliefs to manage and contribute in its stability, harmony and strength. Corporate managers are normally appointed as being public trustees. The UAE offers insights into CSR because other Middle Eastern countries have not adopted the concept as quickly as the UAE. One indication of CSR in the UAE is its transparent firms. This article explores the current stage of CSR implementation in Arab countries, with special attention given to the UAE. An in-depth study was conducted to explore CSR implementation among local managers. Primary data from 198 questionnaires and case studies were analyzed to obtain valuable insights into the current state of CSR in the UAE. Key concepts are highlighted regarding the definition and practices of CSR in the UAE. Secondary data from both western and eastern cultures was also analyzed to examine the extent of adoption and adaptation of CSR and corporate philanthropy from multiple perspectives. Findings suggest all organizations, both local and multinational, must consider environmental and stakeholder interests in order to become global. Some confusion appears to exist between the concept of philanthropy and CSR. Some CSR highlighted by firms includes following regulations effectively and efficiently, adopting environmentally friendly business processes, organizing seminars, and creating awareness of the concept among peers. Although CSR is maturing in the Middle East, UAE firms need to improve CSR to compete with the practices that have become the CSR standard in western countries. In the last few years, governments and local organizations have strictly enforced business ethics and environmental regulations to support the growth of CSR in the country.


2020 ◽  
Vol 24 (4) ◽  
pp. 506-516
Author(s):  
Anupama Prashar

The purpose of the case is to introduce the students to an emerging business trend of outsourcing the logistics function. The case enables the students to analyse the benefits of outsourcing logistics function and understand the concept of third-party logistics (3PL) and fourth-party logistics (4PL). The case is developed based on the primary data collected through interviews with the protagonist. Also, secondary data from published reports and archives of the company were used for the development of the case. After the case discussion the students will be able to understand the role of project logistics services in the supply chain. They will also understand the role of value-added logistics services such as cross-docking, reverse logistics and customs clearance, and the documentation involved in cross-border logistics. This case is among the first few cases on the concept of project logistics services and their role in the supply chain management.


Author(s):  
Antonius Felix

<p>Penelitian dilakukan di sebuah perusahaan distribusi di Jakarta dengan melakukan pengukuran kinerja menggunakan <em>Balanced Scorecard</em> agar bisa menganalisa secara keseluruhan perspektif antara lain perspektif keuangan, pelanggan, proses bisnis, dan pembelajaran dan pertumbuhan. Metode penelitian adalah dengan <em>survey</em> lapangan, wawancara dan kuesioner. Permasalahan adalah penurunan penjualan perusahaan sejak tahun 2017. Teknik Pengumpulan data yang penulis lakukan adalah dengan penelitian lapangan, penelitian langsung pada objek yang diteliti. Data yang digunakan adalah data primer dan data sekunder. Hasil penelitian menunjukan bahwa perusahaan dalam keadaan sehat, perspektif yang paling rendah adalah perspektif proses bisnis internal, walau perspektif lain dalam keadaan baik, namum tetap perlu adanya kemajuan berkelanjutan. Perusahaan perlu untuk menambahkan lini <em>product</em>, setidaknya menambah supplier baru , karena di perspektif ini sangat rendah dan membuat <em>bargaining power</em> dari <em>supplier</em> tinggi. Malah jika memungkinkan mulai untuk memulai brand sendiri. Melakukan penugasan kembali <em>job description</em> karena beberapa sistem sudah tidak sesuai dengan karyawan yang baru, harus di sesuaikan lagi dan perlu mengisi kursi- kursi yang memang kosong supaya tidak terlalu pembebanan di individu - individu tertentu. Saran dari penelitian ini ada beberapa hal yang harus diperhatikan disarankan penambahan <em>supplier,</em> <em>aftersales</em> lambat<em>,</em> harus adanya SOP yang lebih baik dan sistem <em>reward</em>.</p><p><strong>Kata Kunci:</strong> <em>Balanced Scorecard</em>, pengukuran kinerja, manajemen strategis</p><p> </p><p><em>The research was conducted at a distribution company in Jakarta by measuring performance using the Balanced Scorecard in order to analyze the overall perspective, including financial, customer, business process, and learning and growth perspectives. The research method is by field survey, interview and questionnaire. The problem is the decline in company sales since 2017. The data collection technique that the writer does is by field research, direct research on the object. The data used are primary data and secondary data. The results showed that the company is in good health, the lowest perspective is the perspective of internal business processes, although other perspectives are in good condition, there is still a need for continuous progress. Companies need to add product lines, at least add new suppliers, because in this perspective it is very low and makes the bargaining power of suppliers high. In fact, if possible start to start your own brand. Reassigning job descriptions because some systems are no longer suitable for new employees, have to be adjusted again and need to fill empty seats so as not to be too burdensome for certain individuals. The </em><em>suggestion</em><em> of this research is that there are several things that must be considered, suggesting additional suppliers, slow after sales sales, better SOP and reward system.</em></p><p><strong><em>Keywords</em></strong><em>: Balanced Scorecard, performance </em><em>analysis</em><em>, strategic management</em></p>


2019 ◽  
Vol 8 (2) ◽  
pp. 244-256
Author(s):  
Aris Triyono ◽  
Suwaji Suwaji ◽  
Marwan Indra Saputra

Cooperatives are not only expected to be able to produce residual business results in each period, investment activities carried out by cooperatives must be effective in producing positive added value, therefore cooperatives need to be managed as well as possible so that they can grow into a strong and independent organization, with the best performance and ability raise the welfare of its members. This research is in Kopsa. Manunggal Enterprises, Seresam Village, Seberida District, Indragiri Hulu Regency, Riau Province. The purpose of this research is to find out and analyze Cooperative Performance and Its Impact on Members' Welfare. This study used a quantitative descriptive approach, the data the authors use are primary and secondary data, primary data obtained through questionnaires distributed to research respondents to measure Cooperative Performance and Members' Welfare Levels, and secondary data obtained directly from Kopsa. Manunggal Enterprises in the form of financial statement documents. The analytical tool used to measure / assess financial performance with the viewpoint of Economic Value Added (EVA. Cooperative Performance is measured based on 6 (six) indicators of Cooperative Performance, namely: Business Entity Activities, Business Performance, Members' Cohesiveness and Participation, Orientation to Member Services, Services to the Community and contribution to Regional Development Welfare level is measured based on aspects of family income, expenditure on consumption, employment status, health conditions and the ability to access other basic needs.The results of descriptive analysis show Kopsa. Manunggal Enterprises including Cooperatives that are performing well, households Farmers who are members of Kopsa, Manunggal Enterprises are included in the welfare category and the regression analysis conducted shows that the regression coefficient is positive, meaning that there is a positive impact between Cooperative Performance and Welfare. The better the Cooperative Performance will have a positive impact on increasing yes the welfare of members, this can happen because of the monoculture community farming patterns where the main source of income of the village community, especially Kopsa members. Manunggal Business is a commodity of oil palm plantations managed by cooperatives, so the cooperative performance variable becomes very influential in influencing the ease of service, distribution of member income, access to credit and other ease of convenience.


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