Agen46 Business Unit Mechanism and Improvements in PT. Bank Negara Indonesia UGM Branch Office
Abstract
This internship thesis explores the Agen46 mechanism and improvement in Bank Negara Indonesia (BNI) KC UGM Yogyakarta and the potential for its further development through the integration of new technology. Agen46 is a business unit mechanism that enables third-party agents to provide banking services to customers on behalf of the bank. The objective of this study is to analyze the current state of the Agen46 mechanism, identify potential challenges and opportunities, and propose strategies for improvement. To achieve this objective, this research employs qualitative methods including interviews with BNI officials and Agen46 agents, as well as observation of the Agen46 process in action. The study found that the Agen46 mechanism has been successful in expanding BNI's reach and increasing its customer base, particularly in rural areas where traditional banking services are not readily available. To address these challenges, the study proposes several strategies for improvement, including the adoption of new technology such as Electronic Data Capture (EDC) and the establishment of stronger partnerships with local potential businesses. These strategies aim to enhance the efficiency and effectiveness of the Agen46 mechanism, improve customer satisfaction, and increase profitability for both BNI and its Agen46 agents. The study also highlights the potential for cooperation agreements between BNI and potential stores to activate Agen46 in more locations, as well as the development of a loyalty program to incentivize Agen46 agents to increase their performance and expand the reach of the mechanism. These proposals aim to address the challenges faced by the Agen46 mechanism and position it for sustainable growth and success in the future.
Downloads
References
Kunaifi, A., Ali Sad, A., & Mawardi, A. (2023). Opportunities Analysis of Indonesian Sharia Bank (BSI) Become Top 5 Bank in Indonesia Based on Asset Strength and Vision Mission. Majapahit Journal of Islamic Finance and Management, 2(1), 1-22. https://doi.org/10.31538/mjifm.v2i1.21
Bank Indonesia. (2017). Regulation of Bank Indonesia Number 19/10/PBI/2017 on the Provision of Financial Services Based on Information Technology (Fintech). From file:///C:/Users/HP/Downloads/UU%20Nomor%2017%20Tahun%201968.pdf
BNI W17 (2023). Merchant EDC. [PowerPoint Slides]. From file:///C:/Users/HP/Downloads/NOV%2%20Materi%20Merchant%20EDC%20W17%20(1)%20(1).pdf
Endrawati, T., Bangkara, B., Irdiana, S., Antoni, A., & Siregar, A. (2022). Challenge and Opportunity of Marketing Digital-Based for Business Owners During Pandemic in Indonesia. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 5(2), 653-671. https://doi.org/10.31538/iijse.v5i2.2473
Fandy Tjiptono. (2022). Service Management (4th ed). Penerbit Andy. From https://books.google.co.id/books?hl=en&lr=&id=6n6REAAAQBAJ&oi=fnd&pg=PA4&dq=fandy+tjiptono+apa+itu+produk&ots=GtC1qMLdtx&sig=4j7Y5yaVaiYfSB0X7adnTiap6vA&redir_esc=y#v=onepage&q=fandy%20tjiptono%20apa%20itu%20produk&f=false
Kotler, P., & Keller, K. L. (2016). Marketing Management (15th ed.). Pearson. From http://www.ijbts-journal.com/images/main_1366796758/YU19-5%20ING.pdf
Law No. 17 of 1968 regarding Bank Negara Indonesia 1946. From file:///C:/Users/HP/Downloads/UU%20Nomor%2017%20Tahun%201968.pdf
Porter, Michael (1996). What Is Strategy? Harvard Business Review. From https://hbr.org/1996/11/what-is-strategy
Purnomoputro, Anggit (2023). Program Promosi 2023 [PowerPoint slides]. From file:///C:/Users/HP/Downloads/Program%20Keagenan%20Nasional%20Tahun%202023%20(2).pdf
Sekar, P. (no date) Analisis Strategi Bisnis Unit (SBU). Jurnal Pusdansi. From http://pusdansi.org/index.php/pusdansi/article/view/221
Setyani, Tri Putri Hertandri., Wasis Gunadi. (2015). Jurnal Ilmiah. From https://jom.universitassuryadarma.ac.id/index.php/jimen/article/viewFile/8/8#:~:text=Definisi%20produk%20menurut%20Fandy%20Tjiptono,organisasi%20serta%20daya%20beli%20pasar.
Sutriani, S., Pristiyono, P., & Lubis, J. (2021). Measuring Tourist Satisfaction with Route Analysis as a Business Advantage. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 4(1), 267-279. https://doi.org/10.31538/iijse.v4i1.1504
Copyright (c) 2024 Rafi Raditya Ananta
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
