BUSINESS PROCESS IMPROVEMENT AND CAPITAL BUDGETING ANALYSIS TO DEVELOP THE DIGITALIZATION PROCESS OF NEW LOAN/FINANCING IN BANK SUMSEL BABEL

• Main Author: Rhamadany, Reza
• Format: Theses
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/70668
• Institution: Institut Teknologi Bandung

PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung (brand name: Bank Sumsel Babel) is one of the regional state-owned enterprises (SOEs) engaged in the banking sector. As a local company with a great purpose, Bank Sumsel Babel has a big responsibility to support all industries in the region province of South Sumatera and the Bangka Belitung Islands. This study examines the downward trends in credit and financing activity over the previous five years, particularly in working capital and investment credit at Babel Sumsel Babel branches. These two credits assess how successful regional banks are at boosting the local economy. On the other hand, the Bank has seen a decrease in market share in its multi-purpose credit products to civil servants in the South Sumatra and Bangka Belitung Islands, where this credit is the primary source of income for Bank Sumsel Babel. This research utilizes qualitative information to determine the root cause and improve business processes by using the digital revolution of credit and financing to speed up the process and increase microfinance in Bank Sumsel Babel. Furthermore, the project is calculated using a purchase and lease analysis to determine which scheme provides the most benefit to management. This study will then perform a capital budgeting analysis to determine whether the investment is feasible. Non discounted cashflow techniques and discounted cashflow techniques are the two types of capital budgeting methods. The analysis is then completed with risk assessment techniques such as sensitivity analysis and scenario analysis.