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

Musriha, Musriha and Rosyafah, Siti and PAH, Wanda Gema and Gilang, Gilang (2021) The Internal Factors to Improve and Accelerate the Cycle Time of Credit Business at Indonesian Commercial Bank. International Journal of Management Research and Social Science (IJMRSS), 8. pp. 103-108. ISSN ISSN 2394-6407(Print) ISSN 2394-6415(Online)

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Abstract

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 to 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.

Item Type:	Article
Uncontrolled Keywords:	Business Process Improvement; Process Flow; Process Enabler; Commercial Banking Center.
Subjects:	Economic History and Conditions > Analysis of Economic Economic History and Conditions
Divisions:	Faculty of Economic & Business
Depositing User:	Perpus Ubhara Surabaya
Date Deposited:	08 Dec 2021 03:09
Last Modified:	14 Feb 2022 02:58
URI:	http://eprints.ubhara.ac.id/id/eprint/955

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