EVALUASI PELAKSANAAN ALIANSI STRATEGIK BNI DENGAN PERUSAHAAN MULTIFINANCE DALAM BISNIS KREDIT KONSUMTIF

• Main Authors: , Donny Aria Sukmana, , John Soeprihanto, Ph.D.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2012
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/99601/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=55790
• Institution: Universitas Gadjah Mada

Banking industry is a thriving industry which continues to grow from technological and services sides to service its costumer. One of its main services is the disbursement of consumer loan in order to make people easier to have and own all kind of consumer goods and services. BNI uses alliance strategic with mutifinance company as a mean to distribute its consumer loan and by doing so it is also able to reduce BNI�s cost and to mitigate risks in a better way which in turn can lower its pricing policy to the public, increase competitive advantage among its peer and better also accurate credit administration. This research describes the stages that are being passed by BNI and multifinance company in an alliance strategic partnership according to Faulkner (1995), Child & Faulkner (1998) dan Buchel et.al (1998), these states are: Formation, Operation and Evaluation. By using content analysis, this research describe vividly the situation in stages formation and operation while in evaluation stage, a comparation analysis is used to determined the success of the alliance strategy by comparing loan growth portfolio, NPL control during 2005 � 2010 and business process including service level agreement. The research found that an alliance between BNI and multifinance company was formed due to the lack of fund needed by the latter in order to operate later loan disbursement was made under the terms of a credit agreement. Other than that communication also played an important role in terms to ensure the cooperation walks in its corridor and to minimize sensitive issues that were aroused. Strategic alliance proved to be pivotal in increasing BNI�s consumer banking, throughout 2005 � 2010 consumer loan specifically vehicle loan increased 15% year on year and maintain its NPL ratio below 5% as being ordered by Bank Indonesia.