PENGARUH IMPLEMENTASI RENCANA STRATEGIS DAN IMPLEMENTASI KEBIJAKAN SUKU BUNGA PINJAMAN TERHADAP JUMLAH PENYALURAN KREDIT PRODUKTIF PT BANK NEGARA INDONESIA (PERSERO) TBK (Kasus Pada Unit Bisnis Sentra Kredit Kecil - Kramat)

HENDRASTYO, Vito Shiga, Ertambang Nahartyo, Dr., M.Sc

2008 | Tesis | Magister Manajemen

Latar belakang masalah penelitian adalah fenomena Penyaluran Kredit Produktif pada Unit Bisnis Sentra Kredit Kecil Kramat PT. Bank Negara Indonesia (Persero) Tbk belum optimal. Belum optimalnya Penyaluran Kredit Produktif tersebut dapat dipandang sebagai fenomena yang tidak berdiri sendiri, karena terdapat sejumlah faktor yang berkorelasi atau mempengaruhi Penyaluran Kredit Produktif. Diantara sejumlah faktor yang dimaksud, diperoleh asumsi bahwa Implementasi Perencanaan Strategis dan Implementasi Kebijakan Suku Bunga merupakan dua faktor yang berpengaruh positif terhadap Jumlah Penyaluran Kredit Produktif. Berdasarkan implikasi manajerial, maka saran-saran yang perlu disampaikan kepada pihak manajemen PT Bank BNI Tbk Unit Bisnis Sentra Kredit Kecil Kramat adalah Manajemen Unit Bisnis Sentra Kredit Kecil perlu merumuskan kembali suatu konsep Implementasi Perencanaan Program dan Kegiatan yang lebih cennat, terfokus dan dapat lebih meningkatkan jumlah penyaluran kredit produktif kepada kalangan usaha kecil; Manajemen Unit Bisnis Sentra Kredit Kecil perlu menjabarkan kembali Visi dan Mis i Perusahaan secara lebih mendalam dan efektif, melalui cara-cara memasang kalimat-kalimat visi dan misi pada lingkungan kantor (dengan plakat, hiasan dinding dan sejenisnya), membahas visi dan misi dalam business meeting mingguan, membacakan visi dan misi sebelum memulai aktivitas pekerjaan secara bergantian dan sebagainya. Hal tersebut terutama dikaitkan dalam hal penyaluran kredit produktif bagi kalangan usaha kec il yang sedang mengalami kesu litan modal kerja; dan Manajemen Unit Bisnis Sentra Kredit Kecil perlu melakukan rasionalisasi Dasar Penentuan Suku Bunga yang lebih cennat dan tepat terhadap setiap pengajuan permohonan kredit produktif dari kalangan usaha kecil, terufama dari kalangan usaha kecil yang mengalami kesulitan modal kerja.

The background of research problems is the phenomenon of the commercial loan distribution to the Small Business Center - Kramat Branch of the PT. Bank Negara Indonesia (Persero) Thk has not been optimal. The distribution of the commercial loan that has not been optimal could not be regarded as the only single phenominon, because there are some factors which collaborated as effected the commercial loan distribution. There is an assumption among those factors that the implementation of the strategic planning and the implementation of the loan interest rate policy are the two factors that positively effected to the commercial loan distribution. The aim of the research is to discuss the influence of the Strategic Planning implementation and the Loan Interest rate Policy implementation towards the Amount of the commercial Loan Distribution and to discuss the casuality connection of the Strategic Planning implementation and the loan interest rate Policy implementation with the amount of the commercial Loan Distribution. Based on the managerial implication, the suggestions which are neccesarily proposed to the management of the Small Business Center - Kramat Branch of PT. BNI Tbk are as follows: The management of the Small Business Center need to reformulating a concept for the implication of more accurate program and activities plans which are focused and able to improve more the amount of the commercial loans distributions for small business segment; The Management of the Small Business Center need to reformulate intensively and effectively the vision and mission of the company by socializing the vision and mission messages in the office environment. (with placards, wall decorations etc.), discussing the vision and mission during journal business meeting, reading the vision and mission alternately before commencing job activities et-.;. Those matters particularly connected to the distribution of the commercial loans for small business segment; and The management of the Small Business Center need to rasionalize the Basic Settlement of loan Interests rate accurately and properly to every proposal of the commercial loan from the small business, particularly from the small business segment which have working capital problems.

Kata Kunci : Kinerja Perbankan dan korelasinya dengan masalah Implementasi Perencanaan Strategis Perusahaan dan lmplementasi Kebijakan Suku Bunga Pinjaman.