Kinerja Pegawai Penyaluran Kredit Pensiunan Pada Bank Saudara Kantor Cabang Pembantu Subang

Abstract

Kinerja pegawai Bank Saudara Cabang Subang dalam penyaluran kredit pensiun merupakan kemampuan Bank Saudara Cabang Subang termasuk didalamnya kinerja pimpinan, kinerja pegawai dan staf-stafnya dalam menjalankan fungsi dan tugas dalam mencapai tujuan yang ingin dicapai sesuai dengan visi, misi, tujuan dan sasarannya. Kredit pensiun/pembiayaan yang diberikan oleh perbankan kepada nasabah yang fleksibel tapi belum maksimum. Penelitian dilakukan untuk mengetahui bagaimana kinerja pegawai dalam penyaluran Kredit pension pada Bank saudara Cabang Subang. Penelitian dilakukan di wilayah kerja Bank Saudara Cabang Subang dengan menggunakan pendekatan penelitian kualitatif. Penentuan informan melalui teknik Purposive Sampling yaitu jenis sampel yang pemilihannya didasarkan atas kriteria tujuan dan manfaatnya. Serta yang dijadikan informan adalah Kepala cabang !masyarakat. Teknik pengumpulan data meliputi wawancara mendalam dan observasi. Validitas data dengan menggunakan Triangulasi Data. Teknis analisi data meliputi reduksi data,penyajian dan penarikan kesimpulan. Berdasarkan penelitian, diperoleh hasil bahwa kinerja pegawai dalam penyaluran kredit pensiun Bank saudara cabang Subang diukur menggunakan indikator yaitu produktivitas, kualitas layanan, responsivitas, responsibilitas dan akuntabilitas. Dan indikator tersebut responsivitas yang masih perlu ditingkatkan karena masyarakat masih merasa respon yang diberikan kepada masyarakat masih  dirasa kurang optimal.

The purpose of this research is to conduct research to determine the effect of retirement lending fund in the Bank Saudara Branch Subang that service quality on customer satisfaction is low. Because of that problems the writer is curios to study that problem by this research, authors use qualititative methods to approach explanation. Bank Saudara employee performance Branch Subang retired in lending is the Bank's ability Saudara Branch Subang including performance management, employee performance and its staff in carrying out the functions and tasks in achieving the objectives to be achieved in accordance with the vision, mission, goals and objectives. Pension credit / financing granted by banks to customers flexible but not the maximum. The study was conducted to determine how the employee's performance in the distribution of pension Credit Bank Saudara Branch Subang. Research carried out in the region of the branch corm using qualitative research approaches. Determination of informants through purposive sampling technique that is the type of samples whose election is based on objective criteria and benefits. As well as being used as informants is the Head of the branch! Community. Data collection techniques include in-depth interviews and observation. The validity of the data using Data Triangulation. Technical analysis of the data include data reduction, presentation and conclusion. Based on research, the result that the performance of employees in the Bank's Saudara pension lending branch Subang measured using indicators such as productivity, quality of service, responsiveness, responsibility and accountability. And the responsiveness of the indicators that still need to be improved because people still feel the response given to the community is still considered less than optimal.