Proses Perbaikan Menggunakan Metode Benchmarking Pada Pt

7/24/2019 Proses Perbaikan Menggunakan Metode Benchmarking Pada Pt

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PROSES PERBAIKAN MENGGUNAKAN METODE BENCHMARKING PADA PT. BANK BJB

SYARIAH

May 30, 2014 by a!b"#$%#3&04 #' Na%a Sa%ya P(%"# ) NIM 1102110121.

Ba'* BJB SYARIAH b+"#"# #!(-a# aa $aa% +!b+'%(*a' #/#$# ('#% ($aa $ya"#a

-+ PT Ba'* P+!ba'('a' Da+"a Jaa Ba"a% a' Ba'%+' Tb*. aa %a'a- 20M+# 2000, +'a' %((a' ('%(* !+!+'(# *+b(%(a' !a$ya"a*a% Jaa Ba"a% ya'

!(-a# %(!b( *+#'#'a''ya ('%(* !+'('a*a' a$a +"ba'*a' $ya"#a.

S+%+-a b+"#"#'ya 10 5$+(-(6 %a(' +"a#'a- #/#$#('#% ($aa $ya"#a,

!a'a+!+' PT P+!ba'('a' Da+"a Jaa Ba"a% a' Ba'%+' Tb*.b+"a'a'a'

baa ('%(* !+!+"7+a% +"%(!b(a' ($aa $ya"#a $+"%a !+'(*(' ""a!

Ba'* I''+$#a ya' !+'+'a*# +'#'*a%a' $a"+ +"ba'*a' $ya"#a, !a*a

+'a' +"$+%((a' Raa% U!(! P+!+a' Saa! PT Ba'* P+!ba'('a' Da+"a

Jaa Ba"a% a' Ba'%+' Tb*. #(%($*a' ('%(* !+'a#*a' D#/#$#U'#% U$aa Sya"#a

!+'a# Ba'* U!(! Sya"#a.

Paa %a'a- 1& Ja'(a"# 2010 ##"#*a' ba'* bb $ya"#a b+"a$a"*a' A*%a P+'#"#a'N!" 4 ya' #b(a% -+ N%a"#$ 8a%#a H+-!# a' %+-a !+'aa% +'+$aa'

a"# K+!+'%+"#a' H(*(! a' Ha* A$a$# Ma'($#a N!" AHU.04319.AH.01.01 Ta('

2010 %a'a- 2: Ja'(a"# 2010. S+baa# %#'a* -a'(% *+(%($a' Raa% U!(!

P+!+a' Saa! PT Ba'* P+!ba'('a' Da+"a Jaa Ba"a% a' Ba'%+' Tb*.

Paa %a'a- : M+# 2010 ba'* bb $ya"#a !+!(-a# ($aa'ya, $+%+-a #+"-+

S("a% I#' U$aa a"# Ba'* I''+$#a N!" 12:2;DPbS %+"%a'a- 30 A"#- 2010,

+'a' %+"-+b# a(-( #-a*$a'a*a' 7(% < a"# D#/#$#U'#% U$aa Sya"#a PT Ba'*

P+!ba'('a' Da+"a Jaa Ba"a% a' Ba'%+' Tb*. ya' !+'a# 7#*a- ba*a-

ba'* bjb$ya"#a.

Aktivitas OperasionalA*%#/#%a$ +"a$#'a- ya' #-a*(*a' -+ PT. Ba'* BJB Sya"#a, #a'%a"a'ya aa-a=

1. P"(* P+"#!('a' Da'a

2. Tab('a' #B Ma$-aa

3. G#" #B Ma$-aa

4. D+$#%# #B Ma$-aa

&. Tab('a' a# #B Ma$-aa

:. P"(* P+!b#ayaa'9. P+!b#aya' P"(*%#>

? Ma- K+"a

? I'/+$%a$#

1. P+!b#ayaa' K'$(!%#>
https://industritelkomgambris04.wordpress.com/2014/05/30/proses-perbaikan-menggunakan-metode-benchmarking-pada-pt-bank-bjb-syariah/https://industritelkomgambris04.wordpress.com/author/gambristi3504/https://industritelkomgambris04.wordpress.com/category/nata-satya-putri-nim-1102110121/https://industritelkomgambris04.wordpress.com/author/gambristi3504/https://industritelkomgambris04.wordpress.com/category/nata-satya-putri-nim-1102110121/https://industritelkomgambris04.wordpress.com/2014/05/30/proses-perbaikan-menggunakan-metode-benchmarking-pada-pt-bank-bjb-syariah/


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? Da'a Ta-a'a' Ha# #B Ma$-aa

? P+!b#ayaa' P+!#-#*a' K+'a"aa' B+"!%" #B Ma$-aa

? P+!b#ayaa' P+!#-#*a' R(!a #B Ma$-aa

? P+!b#ayaa' S+"ba('a

? M#%"a E!a$ #B Ma$-aa

? P+!b#ayaa' K++!#-#*a' E!a$

3. A-% D+-#/+"y Ca''+-

Ca$ Ma'a+!+'% Sy$%+!

4. Ja$a a' @aya'a'

&. T"a'$>+"

:. RTGS

9. K-#"#'

. @aya'a' J+!(% Ma$-aa

;. @aya'a' PPOB

Gap antara objectives dengan kondisi real

P+!b#ayaa' M($ya"a*a Ma- K+"a !+"(a*a' $a-a $a%( "(* ya'

#*+-(a"*a' -+ Ba'* BJB Sya"#a ya' !+!b+"#*a' ba'%(a' a'a *+aa 'a$aba

ya' $+a' !+'a-a'# ($aa. M+'("(% S%a'a" O+"a$#'a- P"$+(" %+'%a'

+!b#ayaa' *!+"$#a- !+'ya%a*a' baa +!b#ayaa' M($ya"a*a Ma- K+"a

!+"(a*a' *+"a$a!a a'%a"a 'a$aba $+baa# +-a*$a'a ($aa 5b+* M($ya"a*a6a' (a b+"*'%"#b($# !a- a%a$ ($aa ya' #a-a'*a' Ba'* BJB Sya"#a $+baa#

#a* ya' b+"*'%"#b($# !a- a' +'aa$a', '#$ba ba# a$#- #$+a*a%#

+'a' "+$#* *+"(#a' b+"a$a"*a' *'%"#b($# !a- a"a #a*.

P+!b#ayaa' M($ya"a*a Ma- K+"a !+"(a*a' $a-a $a%( "(* ya'

b+"%+'$# b+$a" ('%(* !+'a-a!# *"+#% !a7+% *a"+'a b#a$a'ya 'a$aba ya'

!+-a*$a'a*a' ($aa a*a' !+'a-a!# *+$(-#%a' ('%(* !+'+!ba-#*a' #'a!a'

ya' #b+"#*a' #$+bab*a' -+ b+b+"aa a- $++"%# ($aa ya' %#a* b+"a-a'

+'a' ba#*, *+%#a*$+$(a#a' a'%a"a *+!a!(a' !+!baya" +'a' ($aa ya'

#a-a'*a' ya' #$+bab*a' -+ *+$(-#%a' ba'* ya' *("a' $a!a# *+aa $#$%+!

ba'* ya' -'a" $+#'a 'a$aba *("a' !+!+"a%#*a' +'+!ba-#a' ya'

#-a*(*a'.

Hasil perbandingan dengan competitor perusahaan

Ba'* BJB Sya"#a !+"(a*a' ba'* ya' $+a' !+'(( >a$+ +"(baa' a%a(

$+$(a# $-a' a-a! -a"a' %a(' 2011 ya#%( Toward Growth Phase$a'a% "+'%a'

%+"aa aa'ya *"+#% !a7+%, *a"+'a a*a' %+"($ !+'+!ba'*a' ($aa'ya

#%a!ba -a# BJB Sya"#a !+"(a*a' $a%()$a%('ya BPD Sya"#a a%a( Ba'*


3/16

P+!ba'('a' Da+"a b+"ba$#$ $ya"#a ya' b+"a'# ('%(* !+!a$(*# $+*%"

UMKM #!a'a $+baa#!a'a *#%a *+%a(# BPD -a#' a'ya b+"a'# ('%(* !+-a*(*a'

+!b#ayaa' %+"aa +aa# ya' !a'a %+'$# a*a' *"+#% !a7+% ya' "+'a

*a"+'a a('a' ya' #b+"#*a' $a'a% !(a ('%(* #7a#"*a' $++"%# SK P+aa#,

SK Jaba%a'.

Root-causepenyebab permasalahan

Aa'ya %a"+% +'#'*a%a' +!b#ayaa' %+"aa UMKM a' '' UMKM ya' %+"#"#

a"# +!b#ayaa' *!+"$#a-, +!b#ayaa' %+"aa *""a$#b+$a" a' aa#.

D+'a' *+'ya%aa' #a%a$ !+'('(**a' *+$+"#($a' Ba'* BJB Sya"#a a-a! a-

+!b#ayaa', *a"+'a +!b#ayaa' aa #*a%a*a' a'%(' a"# ba'* #!a'a

!+-a-(# +!b#ayaa' %+"$+b(% ba'* aa% !+-a*(*a' a*%#/#%a$ +"a$#'ya ('%(*

!+'aa%*a' +'aa%a' ya' -+b# b+$a" !+-a-(# !a"#' *+('%('a' ya'

#aa% a"# $+#a +!b#ayaa' ya' #b+"#*a'.

8+'!+'a !+'#'*a%'ya %a"+% +!b#ayaa' a"# %a(' *+ %a(' #a%a$

!+'('(**a' baa ba'* a*a' $+-a-( concern!+-a*(*a' a*%#/#%a$ +!b#ayaa'

ya' #%a'a# +'a' *+'a#*a' %a"+% %+"$+b(%. D#$a%( $#$#, 'a$aba ya'b+"*+7#!(' a-a! ('#a ($aa a*a' $+-a-( b+"($aa !+'aa%*a' +!b#ayaa'

a"# ba'*, ba#* #%( a-a! a- +!b#ayaa' !a- *+"a, UMKM a' +!b#ayaa'

-a#''ya.

D+'a' +!b#ayaa' a"# ba'* b+"(a !a- ya' #b+"#*a' aa% !+!b+"#*a'

%a!baa' !a- ba# a*%#/#%a$ ($aa ya' #-a*(*a' -+ 'a$aba. Da' ba'*

$+baa# +!b+"# !a- a*a' !+'aa%*a' !a"#' *+('%('a' ya' !+'a#

$(!b+" !a- ('(* !+-a*(*a' +!b#ayaa' *+aa 'a$aba -a#''ya, b+#%(

$+%+"($'ya.

8+'!+'a !+'#'*a%'ya (!-a +!b#ayaa' %+"$+b(% $+$('('ya ##*(%# (a

-+ *"+#% !a7+% ya' (a #-a*(*a' -+ 'a$aba. N("aa Ha$%'# 5200:=16!+'ya%a*a' baa +'(a-a' $+7a"a *"+#% $a'a% b+"+'a"( +'a' *"+#%

!a7+%, *a"+'a +!b#ayaa' ya' b+"!a$a-a #'# aa% !+'a'( $%ab#-#%a$

*+(a'a' ba'*, a' b#a$a'ya 'a$aba ya' !+'a-a!# *"+#% !a7+% #'# $(-#% ('%(*

!+'+!ba-#*a' *+!ba-# +!b#ayaa' ya' %+-a #b+"#*a'.

Pemilihan cara perbaikan proses

B+'7!a"*#'

B+'7!a"*#' aa-a "$+$ !+!ba'%( ('%(* !+'+'a-# #"# $+'#"#, !+!aa!#

+"$a#'a', !+'+'#$#*a' "$+$ %+"ba#*, a' !+'#'%+"a$#*a''ya a-a!

"a'#$a$#. B+'7!a"*#' !+!#-#*# b+b+"aa %#+) %#+ ya#%( =1. I'%+"'a-

o B+'7!a"*#' ya' #-a*(*a' ('%(* "a'#$a$# *#%a $+'#"#

o @+b# !(a #-a*(*a'

o B#$a #-a*(*a' +'a' 7a"a !+'('a' a-# a"# "a'#$a$# -a#' ('%(*

!+-a*(*a' #!"/+!+'% a-a! "a'#$a$# *#%a


4/16

2. C!+%#%#/+

o M+!+"-(*a' #'/+$%#a$# "(*, $+"/#7+, a' "$+$ +$a#'

o Ca"a ya' b#a$a #-a*(*a' aa-a +'a' !+!b+-# "(* a%a( $+"/#7+

+$a#' ya' *+!(#a' #a'a-#$#$ ('%(* !+'aa%*a' *+('(-a'

*!+%#%#/+.

3. "-) 7-a$$ +"a%#'

o B+'7!a"*#' #-a*(*a' %+"aa #'($%"y "- 7-a$$

4. A7%#/#%y Ty+

o B+'7!a"*#' ('%(* a*%#%a$ ya' $+$#*

Metodologi perbaikan proses

S+b+-(! !+!(-a# "$+$ b+'7!a"*#' aa b+b+"aa a- ya' a"($ #+"a%#*a'

$++"%# =

o M+!(%($*a' aa ya' a*a' # b+'7!a"*

o M+'+'#$#*a' "$+$ ('%(* #ba'#'*a'

o M+'+!ba'*a' +'(*("a' ('%(* #ba'#'*a'

o M+'+'#$#*a' a"+a #'%+"'a-, +*$%+"'a- +"($aaa' ('%(* # b+'7!a"*

o M+'(!(-*a' a' a'a-#$#$ a%a

o M+'+'%(*a' a a'%a"a "$+$ ya' aa +'a' "$+$ %+"ba#*

o M+'+!ba'*a' a7%#' -a', %a"+%, a' "$+$ +'(*("a'

o Ua%+ b+'7!a"*#'

S+%+-a !+!+"a%#*a' a-)a- ya' #a%a$ -a'*a $+-a'(%'ya $+baa# b+"#*(% =

1. P"7+$$ D+$#' 5P-a''#'6

2. I'%+"'a- Da%a C--+7%#'

3. EF%+"'a- Da%a C--+7%#'

4. Da%a A'a-y$#$

&. P"7+$$ U"a#'

:. P+"##7 "+a$$+$$!+'%

Alternatif solusi yang ditawarkan

S+a'*a' #*a +"($aaa' !+!#-# "$+$ b+'7!a"*#' !a*a a*a' !+'aa%

b+b+"aa $-($# $++"%# =

o M+-a*(*a' b+'7!a"*#' aa +a"%+!+' ya' b+"b+a a-a! $a%( #/#$#


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o M+-a*(*a' b+'7!a"*#' aa #/#$# ya' b+"b+a a-a! $a%( +"($aaa'

a%a( "a'#$a$#

o M+-a*(*a' b+'7!a"*#' aa "a'#$a$# ya' b+"b+a a-a! $a%( #'($%"#

o M+-a*(*a' b+'7!a"*#' aa "a'#$a$# ya' b+"b+a a-a! #'($%"# ya'

b+"b+a

Langkahlangkah implementasi solusi

Da-a! a- #'# *#%a a*a' !+!baa$ -+b# -a'(% %aa)%aa "$+$ +"ba#*a'

+'a' !+%+ b+'7!a"*#' . B+"#*(% %aa ? %aa ya' #-a*(*a' =

P-a''#' Pa$+

1. M+'+'%(*a' aa ya' a*a' # b+'7!a"*

Da-a! %aa #'# +"($aaa' a*a' !+'#+'%#*a$# $a%()$a%( "(*,"$+$ a'

a*%#%a$ ya' a*a' # b+'7!a"*

2. Ob%a#' Ma'a+!+'% S("%

S+%+-a !+-a*(*a' #+'%#*a$# ya' a*a' #b+'7!a"*#' -a'*a $+-a'(%'ya %#!

a*a' !+'7a"# (*('a' !a'a+!+' ('%(* !+-a*(*a' -a'*a $+-a'(%'ya . Aa'ya

(*('a' !a'a+!+' b#$a #-#a% a"# %a"+% "(* , "$+$ a' a*%#%a$

3. D+/+- B+'7!a"* M+a$("+!+'%

T#! !+'+'%(*a' +'(*("a' a' +'(!(-a' a%a)a%a "$+$ +"ba#*a' .

M+-#(%# a%a *(a-#a%a%#> a' *(a'%#%a%#> .

U*("a' a%a( $%a'a" ya' ##-# ('%(* #-a*(*a' b+'7!a"*)'ya a"($ ya' a-#'

*"#%#$ a' b+$a" *'%"#b($#'ya %+"aa +"ba#*a' a' +'#'*a%a' !(%(. T#! ya'

b+"%(a$ !+)"+/#+ +-+!+')+-+!+' a-a! "$+$ a-a! $(a%( baa' a-#" a'!+-a*(*a' #$*($# %+'%a' (*("a' a' $%a'a" ya' !+'a# >*($. C'%)7'%

(*("a' aa-a !#$a-'ya ("a$# a*%( +'y+-+$a#a', a*%( +'y+-+$a#a' ('%(*

$+%#a +-+!+' *+"a, a*%( ('%(* $+%#a %#%#* +'a!b#-a' *+(%($a', /a"#a$#)/a"#a$#

a*%(, (!-a a-#"a' ba-#* a%a( +'(-a'a', a' *+!('*#'a'*+!('*#'a'

%+"a#'ya *+$a-aa' aa $+%#a +-+!+''ya. J#*a !+!a' aa #a* -a#' 5#'%+"'a-

a' +*$%+"'a-6 ya' b+"*++'%#'a' %+"aa "$+$ #'# !a*a %('%(%a' a%a(

*+b(%(a' 5"+(#"+!+'%$6 !+"+*a a"($ #!a$(**a' a%a( #a*!a$#*a' a-a!

%aa #'#.

T#! ya' b+"%(a$ aa% (-a !+-a*(*a' aa'7a"a +'a' #a* ya'

b+"*++'%#'a' %+"aa "$+$ %+"$+b(% 5aa% (-a #a'a' $+baa#+-a'a'6 %+'%a' %('%(%a' a' *+b(%(a' !+"+*a a' !+'(b('*a' a%a(

!+'*a#%*a' %('%(%a' %+"$+b(% *+aa (*("a' a' $%a'a" *#'+"a "$+$. T#!

*+!(#a' !+'+'%(*a' (*("a')(*("a' a%a( $%a'a" ya' a-#' *"#%#$ ya' a*a'

$+7a"a $#'#*a' !+'#'*a%*a' !(%( "$+$ a' a$#-'ya. J(a ##-# #'>"!a$#

$++"%# aa ya' #+"-(*a' a-a! "$+$ b+'7!a"*#' #'# a"# "a'#$a$# -a#'

ya' !+'a# %((a' b+'7!a"*#'.

4. D+%+"!#'+ H % C--+7% Da%a


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@a'*a $+-a'(%'ya !+'+'%(*a' baa#!a'a a%a)a%a %+"$+b(% a*a'

#*(!(-*a' . T+"aa% 3 7a"a +'(!(-a' a%a ya#%( =

o P+'(!(-a' a%a $+7a"a -a'$(' = P"$+$, "$+(" a' 7a"%

o M+-a-(# #'%+"/#+ = T+-+',$("/+y , #'%+"'+% a' *(!+'%a$# -a#''ya

o K('('a' -*a$#

T#! P+'#'*a%a' M(%( !+'(!(-*a' a%a %+'%a' (*("a' a' ya' %+-a ##-#

%+"aa "a'#$a$# ya' a*a' #)b+'7!a"*. P+'7a"#a' #'>"!a$# #'# aa% #!(-a#

+'a' ya' %+-a #(b-#*a$#*a'= !#$a-*a' a$#-)a$#- $%(#, $("/+# a$a", $("/+#

+-a'a', ("'a-, !aa-a a' -a#')-a#'. Ba"a'*a-# (a aa -+!baa ya'

!+'y+#a*a' ba'* a%a %+'%a' b+'7!a"*#' ('%(* b+b+"aa a$+* a' *a%+"#

%+"%+'%(. T#! aa% (a !+"a'7a' a' !+'#"#!*a' *(+$#'+" *+aa -+!baa

ya' a*a' #)b+'7!a"*, ba#* #%( !+"(a*a' $a%()$a%('ya 7a"a !+'aa%*a' a%a

a' #'>"!a$# a%a( $+baa# +'a(-(a' $+b+-(! 'a'%#'ya #-a*(*a' *('('a'

-a'$('.

&. R+/#+ P-a'$ #% @7a%#' EF+"%$

S+%+-a !+'+'%(*a' baa#!a'a !+'(!(-*a' a%a)a%a $+-a'(%'ya %#! !(-a#

!+'7a"# +"($aaa' -a#' ('%(* #a#*a' 7'% b+'7!a"* "$+$ ya' #+"ba#*# .

P+"%a!a %#! !+-a*(*a' "+/#+ a%a -a'$ *+(a !+'7a"# "+*!+'a$# -a#' ya'

a*%#%a$'ya a!+" $+"(a -a'*a *+%#a #+'%#*a$# "a'#$a$# +*$%+"'a- ('%(*

#b+'7!a"*

Paa $aa% *('('a' -a'$(' 5$#%+ /#$#%6, %#! b+'7!a"*#' !+'a!a%# "$+$

ya' !+'('a*a' (*("a' a' $%a'a" ya' b+"*a#%a' +'a' a%a #'%+"'a- ya'

%+-a ##+'%#*a$# a' #*(!(-*a' $+b+-(!'ya. T+'%( a*a' -+b# ba#* #*a aa

b+b+"aa by+* a%a( "$+$ ya' #*('('# $+#'a #'>"!a$# ya' #aa% a*a'

-+b# -+'*a. A$(!$# ya' +"-( #*+%a(# aa-a baa "a'#$a$# a%a( -+!baa

ya' #*('('# !+!('ya# *+#'#'a' ya' $a!a ('%(* !+'aa%*a' #'>"!a$#

ya' $++'#$ a"# -+!baa ya' !+'('('#'ya ya#%( aa'ya *+#'#'a' %#!ba-

ba-#* ('%(* $a-#' !+!)b+'7!a"*.

Pa"a +-a*( b+'7!a"*#' %+-a aa% !+'y#!(-*a' baa *('('a' -a'$('

*+aa "a'#$a$# +'a' "a*%#* %+"ba#* aa% !+'a$#-*a' a'a'a' a'

+!aa!a' ya' a( -+b# a-a! #ba'#'*a' +'a' 7a"a)7a"a +'(!(-a'

a%a ya' !a'a('. K('('a' #'# !+!('*#'*a' *#%a ('%(* $+7a"a -a'$('

b+"(b('a' +'a' +!#-#* "$+$ ya#%( "a')"a' ya' b+'a")b+'a"

!+'a-a'*a' a%a( !+'+--a "$+$ %+"$+b(%.

:. M+"(!($*a' T((a' a' R+'7a'a T#'a*a'

T#! P+'#'*a%a' M(%( !+'+'%(*a' %a"+% +"ba#*a' %+"aa "$+$. Ta"+%)%a"+%

#'# a"($ aa% #7aa# a' "+a-#$%#$ a-a! +'+"%#a' a*%(, $(!b+" aya, a'

*+!a!(a' ya' aa $aa% #'# (a $+ba#*'ya %+"(*(", $+$#*, a' #(*(' -+

!a'a+!+' a' "a')"a' ya' b+*+"a a-a! "$+$ %+"$+b(%. K+!(#a' %#!

aa% #+"-(a$ +'a' !+-#ba%*a' !(-%##$#-#' ya' a*a' !+!+7a*a' +"$a-a'

a' !+'+!ba'*a' $(a%( "+'7a'a ('%(* !+!a'%a*a' %#'a*a' $+$#* ya'


7/16

a*a' #a!b#-, %aaa')%aaa' a*%('ya, a' $#aa)$#aa ya' a"($ b+"%a'('

aab.

Ha$#- #'# a*a' #$+"a*a' *+aa a"a +-a*$a'a +'a!#'a' !(%( 5+F+7(%#/+6

('%(* *+!(#a' !+!a'%a( *+!a(a' a' !+'#+'%#*a$# +"$a-a')+"$a-a'

ya' %#!b(-. U*("a' a' $%a'a" #+/a-(a$# $+7a"a b+"%aa, ba"a'*a-# #+"-(*a'

+'y+$(a#a')+'y+$(a#a' %+"aa "+'7a'a ('%(* aa% !+'a%a$# a-a'a' a'+"$a-a' ya' !('7(-. J(a a"a +-a*$a'a !+!+"-(*a' (!a' ba-#* a"# !+"+*a

ya' b+"*++'%#'a' %+"aa "$+$ a' a$#-'ya 5$%a*+-+"$6.

K+$+'a'a' $%a'a" !('*#' $aa %#a* aa% ##-a'*a' *a"+'a %a"+% "a'#$a$#

%+"($ $aa b+"*+!ba' a' !+!+"ba#*# #"#. Ya' -+b# +'%#' a"# $+!a%a)!a%a

!+'+a" *+$+'a'a' aa-a !+'a#*a' b+'7!a"*#' $+baa# $(a%( *+b#a$aa',

ya' a*a' !+'"' ('%(* %+"($ !+!+"ba#*# #"#. J#*a +"-( ba*a' aa% #b(a%

a%a( #b+'%(* $(a%( +a"%+!+' a%a( #/#$# %+"$+'#"# ya' b+"%a'(' aab

!+-a*$a'a*a' b+'7!a"*#' $+7a"a %+"($ !+'+"($ 5b+"*+-a'(%a'6.

P"$+$ b+'7!a"*#' #'# !+!('ya# ba'ya* *+('%('a'. B+'7!a"*#'

!+'"' %+"7#%a'ya $(a%( b(aya +"ba#*a' %+"($ !+'+"($, !+'a"a# "a'-a#' a' "+$%a$#'ya a' !+!ba'(' #'+"a a' #'%(#$# a*a' +'%#''ya +"ba#*a'

ya' #a-a'*a' %+"($ !+'+"($ %+"$+b(%. J#*a $(a%( a"#'a' a' *+!#%"aa' a-a!

b+'7!a"*#' %+-a %+"b+'%(* !a*a b+"baa# "a*%#* ba#* a' %+"ba#* aa% $a-#'

#ba# # a'%a"a !+"+*a.

!denti"kasi permasalahan yang dihadapi perusahaan

S+7a"a (!(! +"*+!ba'a' +!b#ayaa' +"ba'*a' $ya"#a !+'('(*a'

%"+' ya' $a'a% ba#* #!a'a +"*+!ba'a' +!b#ayaa' a"# %a(' *+ %a('

!+'#'*a% ,!#$a-'ya PT Ba'* Jaba" Ba'%+' Sya"#a a%a( ya' #*+'a- +'a' BJB

Sya"#a . Ba'* ya' !+-a*$a'a*a' "#'$# ($aa $+$(a# $ya"#a #'# !+-a"*a'

aa %a(' 2011 %+-a b+"a$#- !+-a*(*a' +!b#ayaa' *+aa 'a$aba $+b+$a" R1,9: %"#-#(' a%a( 1,2 a"# #'($%"y +"ba'*a' $ya"#a !+'#'*a% 10 a"# %a('

2010 $+b+$a" R 1,:0 %"#-#(' . P+!b#ayaa' #'# %+"#"# a%a$ +!b#ayaa' $+b+$a" 33

%+"aa UMKM a' $#$a'ya +!b#ayaa' '' UMKM $+b+$a" :9 .

D+'a' *+'ya%aa' #a%a$ !+'('(**a' *+$+"#($a' BJB Sya"#a aa-a! a-

+!b#ayaa' , *a"+'a +!b#ayaa' aa% #*a%a*a' a'%(' a"# ba'* #!a'a

!+-a-(# +!b#ayaa' %+"$+b(% ba'* aa% !+-a*(*a' a*%#/#%a$ +"a$#'ya ('%(*

!+'aa%*a' +'aa%a' ya' -+b# b+$a" !+-a-(# !a"#' *+('%('a' ya'

#aa% a"# $+%#a +!b#ayaa' ya' #b+"#*a' . 8+'!+'a !+'#'*a%'ya (!-a

+!b#ayaa' %+"$+b(% $+$('('ya ##*(%# (a -+ *"+#% !a7+% ya' #-a*(*a'

-+ 'a$aba , !+'("(% a''(a- "+"% BJB Sya"#a NP8 5Non performing

Financing) a%a( +!b#ayaa' b+"!a$a-a $+*#%a" 0,41 . Na!(' %+"-' *+7#-

+!b#ayaa' b+"!a$a-a aa% !+'a# 7(*( $+"#($ #*a %#a* #%a'a'# +'a'

ba#* aa-a# +'a' %+"($ !+'#'*a%'ya %a"+% +!b#ayaa' ya' #%+%a*a' a"#

%a(' *+ %a('

Ba'* BJB Sya"#a !+"(a*a' ba'* ya' $+a' !+'(( >a$+ +"%(!b(a' a%a(

$+$(a# $-a' +'a' -a"a' %a(' 2011 Toward Growth Phase $a'a% "+'%a'

%+"aa aa'ya *"+#% !a7+% , *a"+'a a*a' %+"($ !+'+!ba'*a' ($aa'ya


8/16

#%a!ba -a# BJB $ya"#a !+"(a*a' $a%( $a%('ya BPD $ya"#a a%a( ba'*

+!ba'('a' a+"a b+"ba$# $ya"#a ya' b+"a'# a%a( !+!a$(*# $+*%" b#$'#$

UMKM #'a'a $+baa#!a'a *#%a *+%a(# BPD -a#' a'ya b+"a'# ('%(* !+-a*(*a'

+!b#ayaa' %+"aa +aa# ya' !a'a %+'$# a*a' *"+#% !a7+% ya' "+'a

*a"+'a a('a' ya' #b+"#*a' $a'a% !(a ('%(* #7a#"*a' $++"%# SK +aa# ,

SK aba%a', a' -a#' -a#' .

D#$#'# *a!# a*a' !+!baa$ %+'%a' "$+$ +!b#ayaa' !($yaa"a !a- *+"a .

P"(* #'# !+"(a*a' $a-a $a%( "(* ya' #*+-(a"*a' ba'* BJB Sya"#a ya'

!+!b+"#*a' ba'%(a' a'a *+aa 'a$aba ya' $+a' !+'a-a'# ($aa .

M+'("(% $%a'a" +"a$#'a- "$+(" %+'%a' +!b#ayaa' *!+"$#a- !+'ya%a*a'

baa +!b#ayaa' !($yaa"a !a- *+"a$a!a a'%a"a 'a$aba $+baa#

+-a*$a'a ($aa 5b+* !($ya"a*a6 a' (a b+"*'%"#b($# !a- a%a$ ($aa ya'

#a-a'*a' +'a' BJB Sya"#a $+baa# #a* ya' b+"*'%"#b($# !a- a'

+'aa$a' , '#$ba ba# a$#- #$+a*a%# +'a' "+$#* *+"(#a' b+"a$a"*a'

*'%"#b($# !a- a"a #a* . M+'("(% +!aa"a' !a'a+" +"a$#'a- $+ba#a'

b+$a" "(* ya' #%aa"*a' aa-a +!b#ayaa' !($ya"a*a !a- *+"a ya'

b+"%+'$# b+$a" !+'a-a!# *"+#% !a7+%

O-+ *a"+'a #%( *a!# a*a' !+'+'#$#*a' "$+$ ?"$+$ +!b#ayaa' !($yaa"

!a- *+"a BJB Sya"#a +'a' Ba'* Sya"#a Ma'#"# $+baa# +!ba'#' ('%(*

*#%a b+'7!a"* "$+$ +'a(a' !($y"a*a !a- ('%(* !+'("a'# %+'$#

*"+#% !a7+%

#eskripsi serta alasan pemilihan metode perbaikan proses

B+'7!a"*#' aa-a "$+$ !+!ba'%( ('%(* !+'+'a-# #"# $+'#"#,

!+!aa!# +"$a#'a', !+'+'#$#*a' "$+$ %+"ba#*, a' !+'#'%+"a$#*a''ya

a-a! "a'#$a$# . O-+ *a"+'a #%( *#%a !+!#-# "$+$ +"ba#*a' !+-a-(# !+%+

7!+%#%#/+ b+'7!a"*#' ya' !+!b+"#*a' +"ba'#'a' a'%a" +$a#' (%(*

"(* a%a( -aya'a' ya' $+"(a . A-a$a' *#%a !+'('a*a' !+%+ %+"$+b(%

*a"+'a b+b+"aa a-a$a' $+baa# b+"#*(% =

o P"$+$ ya' #%a"+%*a' aa-a *"#%#$ ba# *+b+"a$#-a' +"($aaa'

o P+!#-#* "$+$ !+!#-#*# *!#%!+'% ('%(* +"(baa' !+$*# "a#*a-

o P+-(a' +"%(!b(a' ya' $#'#*a' %+"a# a-a! b#$'#$ $+#'a

"$+$'ya +"-( #+"ba#*#

Pemilihan solusi terbaik beserta langkah implementasi perbaikan

B+"#*(% -a'*a -a'*a #!-+!+'%a$# +'a' !+%+ 7!+%#%#/+

b+'7!a"*#' a-a! "$+$ +'a(a' !($ya"a*a ba'* BJB Sya"#a =

1. M+'+'%(*a' aa ya' a*a' # b+'7!a"*

D+a' *!#$a"#$ b+$+"%a a(#% #'%+"'a- !+!b+'%(* $+b(a %#! +"ba#*a' ya'

b+"%(a$ +'#'*a%a' !(%( -aya'a' . M+"+*a a*a' !+'y+-##*# "$+$ "$+$ ya'

b+"!a$a-a . T#! #'# a*a' !+'+'#$#*a' "$+$ ya' !+'a# %a"+% ya#%( "$+$


9/16

+'a(a' !($ya"a*a , !+'+'%(*a' ba%a$ ba%a$'ya , +"a$# +"a$# ya'

#7a*( , !+'+'%(*a' #'(%a' $+"%a (%(% 'ya .

2. M+'+'%(*a' aa ya' a*a' #(*("

T#! a*a' !+'+'%(*a' (*("a' a%a( $%a'a" ya' ##-# ('%(* #-a*(*a'

b+'7!a"* . U*("a' ya' #-#a% ('%(* #a#*a' a%*a' a"# "$+$ !($y"a*aaa-a ("a$# a*%( +'y+-+$a#' "$+$ , #a* #a* ya' %+"-#ba% a-a! "$+$'ya

, *+(a$a' -aya'a' .

3. M+'+'%(*a' *+aa $#aa a*a' #-a*(*a' b+'7!a"*

T#! !(-a# !+'+'%(*a' #/#$# !a'a ya' a*a' #%+-#%# ('%(* #+"ba#*# "$+$'ya .

Da-a! *a$($ #'# ba#a' #/#$# +-aya'a' a' 7($%!+" $+"/#7+ .

4. P+'(!(-a' a%a $+"%a *('('a'

P+"($aaa' ya' #a#*a' +!ba'#' a-a! *a$($ #'# aa-a ba'* $ya"#a

!a'#"# . Da-a! *a$($ +!ba'#' 'ya $a!a a-a! "$+$ *"+#%(" .

P"$+$ *"+#%(" ba'* !a'#"# = Mandiri $redit %anpa Agunanaa-a *"+#%

+""a'a' %a'a a('a' a"# Ba'* Ma'#"# ('%(* b+"baa# *++"-(a', ya'

#b+"#*a' *+aa 7a-' +b#%(" ya' !+!+'(# +"$ya"a%a' .

K+-+b#a' ya' #!#-#*# a'%a"a -a#' =

o Ta'a a('a'

o C#7#-a' "#'a'

o

@#!#% *"+#% $a!a# +'a' 200 (%a

o Ja'*a a*%( *"+#% #$+#a*a' a-a! & #-#a'

o P+"-#'('a' a$("a'$# #a

K+%+'%(a' a-a! !+'a(*a' =

o a"a N+a"a I''+$#a 5NI6 b+"!#$#-# # I''+$#a


10/16

o U!(" !#'#!(! 21 %a(' !a*$#!(! && %a(' 5aa $aa% *"+#% -('a$6

o M+!#-#*# +*+"aa' +'a$#-a' %+%a +" b(-a' !#'#!a-= R. 2,& (%a

5Jab+%ab+* ? Ba'('6

o M+!#-#*# +*+"aa' +'a$#-a' %+%a +" b(-a' !#'#!a-= R. 2 (%a 5#-(a"

Jab+%ab+* ? Ba'('6

o @#!#% *"+#% !a*$#!a- & *a-# a# 5R.& (%a $. R. 200 (%a6

B+"#*(% $*+!a *"+#% ($aa aa Ba'* Sya"#a Ma'#"#

P""a! Ba"a*a #b+"#*a' *+aa P+""a'a', Baa' U$aa # $+!(a $+*%"

#'(%"#, ('%(* *++"-(a' "(*%#> +'a' -a!a'ya ($aa !#'#!a- 2 5(a6 %a('

!+'("(% +'#-a#a' ba'* aa% #b#aya# +'a' *'#$#=

1. M+!('ya# %+'$# ($aa a' a%a( *!'#%a$ ya' #($aa*a' $(a!+!('ya# a$a".

2. M+!('ya# "$+* ($aa ya' -aya* a' !a!( !+'y+"a %+'aa *+"a.

3. M+!('ya# -+a-#%a$ a' +"##'a' ($aa $+$(a# *+%+'%(a' ya' b+"-a*(.

4. U$aa %+"$+b(% !+!+'(# *+%+'%(a' a' +"$ya"a%a' P+!b#ayaa' ya'

b+"-a*( $+"%a #'ya%a*a' -aya* -+ BSM.

&. T#a* %+"!a$(* a-a! a>%a" *"+#% !a7+% a%a( *"+#% b+"!a$a-a.

:. M+'($(-*a' "$a- #'a!a'*"+#% $+$(a# +'a' *+b(%(a' ($aa.

D*(!+' P+"!'a' P+!b#ayaa'

8"! S("a% P+"!'a' P+!b#ayaa' 5SPP6 IS("a% %+"%(-#$ a"# 'a$aba, +'a'

!+-a!#"*a'=

1. @+a-#%a$ 'a$aba +""a'a' 5KTP I SIM I Pa$", KK, A*%a '#*a, S("a%

+"$+%((a' #$%"#$(a!#,


11/16

2. @+a-#%a$ baa' ($aa 5SIUP, SIUK, SIU I'($%"#, SIU P+%+"'a*a' --. TDP, SITU,

NPP, A*%a P+'#"#a'6

3. @a. K+(a'a' 2 %a(' %+"a*#"

4. Pa$% +">"!a7+ ($aa 1 %a('

&. R+'7a'a ($aa 1 %a(' *+ +a'

:. B(*%# *++!#-#*a' a('a'

P+"$ya"a%a' P+!b#ayaa'

1. K+b(%(a' UMKM ya' #b#aya# aa-a #'/+$%a$# a'a%a( !a- *+"a -aya*

('%(* #b#aya# b+"a$a"*a' a-a$ +!b#ayaa' ya' $+a% a' %#a* $+a'

#b#aya# >a$#-#%a$ P+!b#ayaa' ba'* -a#''ya

2. P+!b#ayaa' aa% #$a-("*a' -a'$(' *+ 'a$aba a%a( !+-a-(# @KMS

5@+!baa K+(a'a' M#*" Sya"#a6

3. Ma*$#!(! P+!b#ayaa' aa-a R. &00.000.000,) 5-#!a "a%($ (%a6.

4. Ja'*a a*%( P+!b#ayaa' ('%(* !a- *+"a 3 5%#a6 %a(', aab#-a

#+"-(*a' aa% #+"a'a' $+$(a# +'a' *+%+'%(a' ya' b+"-a*( # BSM

a' I'/+$%a$# & 5-#!a6 %a(' a' $+$(a# +'a' a'a-#$a *+-aya*a' $+"%a

*+%+'%(a' P+!b#ayaa' ya' b+"-a*( aa BSM.

&. Ma"#'ba# a$#- +!b#ayaa' $+%#'#)%#'#'ya $+%a"a +'a' 1: +>+*%#>

+" %a('.

P"$+(" +'a(a' P""a! Ba"a*a Ca-' 'a$aba !+"(a*a' +-a*( ($aa

!#*", *+7#-, !+'+'a a' *+"a$# !+'a(*a' +"!'a' *+ Ka'%" Caba'-

Caba' P+!ba'%( BSM %+"+*a%, $+-a'(%'ya a*a' #-a*(*a' a'a-#$a $+$(a#*+%+'%(a' ya' b+"-a*(.

&edangkan pada bank '(' syariah

P+!b#ayaa' S+"ba('a #B Ma$-aa aa-a 8a$#-#%a$ +!b#ayaa' b+"$#>a%

*'$(!%#> ya' #b+"#*a' *+aa +""a'a' ('%(* b+"baa# *++"-(a'.

B+"a$a"*a' $#>a%'ya, P+!b#ayaa' S+"ba('a #ba# (a, ya#%(= P+!b#ayaa'

M(-%#a$a a' P+!b#ayaa' M(-%#('a.

P+!b#ayaa' M(-%#('a M+"(a*a' >a$#-#%a$ P+!b#ayaa' ya' #b+"#*a' Ba'* *+aa

Na$aba ('%(* %((a' !+!b#aya# *+b(%(a' 'a$aba a-a! "a'*a !+!+"-+


12/16

b+'aba"a' #-(a" *+'a"aa' b+"!%", !b#-,%a'a a'a%a( ba'('a', a'

-a! !(-#a.

P+!b#ayaa' M(-%#a$a M+"(a*a' 8a$#-#%a$ P+!b#ayaa' ya' #b+"#*a' Ba'* *+aa

Na$aba ('%(* !+!b#aya# *+b(%(a' 'a$aba a-a! "a'*a !+!+"-+ !a'>aa%

a%a$ $(a%( a$a. P+!b#ayaa' M(-%#a$a #('a*a' ('%(* %((a' B#aya +"a-a'a'

Ibaa Ha#, B#aya +"a-a'a' Ibaa U!"a, B#aya K+$+a%a', B#aya P+'##*a',a' !+!b#aya# a$a)a$a -a#''ya ya' a-a-.

S%"(*%(" P+!b#ayaa' S+7a"a (!(! P-a>' P+!b#ayaa' Ma*$#!a- -a>'

+!b#ayaa' $+"ba('a ya' #b+"#*a' *+aa 'a$aba aa-a !(-a# a"# R

&.000.000,00 5@#!a (%a "(#a6 $a!a# +'a' R. 200.000.000,00 5D(a "a%($ (%a

"(#a6 +'a' !a*$#!(! +!b#ayaa' $+b+$a" ;0 a"# a"a +"-+a' ba"a'

a%a( !a'>aa% -aya'a' a$a.

P+!b#ayaa' $+"ba('a #a"($*a' !+'('a*a' a('a'a!#'a' aab#-a $a-a

$a%( a%a( *+(a *'#$# +!b#ayaa' b+"#*(% #'# %+"+'(#, ya#%(=

o 8a$#-#%a$ P+!b#ayaa' +'a' (!-a -a>' #a%a$ R. 30.000.000,00 5T#a

P(-( J(%a R(#a6.

o 8a$#-#%a$ P+!b#ayaa' +'a' a'*a a*%( +!b#ayaa' #a%a$ 3 5%#a6 %a('.

A$("a'$# ('%(* Na$aba

o A$("a'$# #a *"+#%.

o U'%(* +!b#ayaa' %a'a a('a', !a*a #a#b*a' ('%(* !+'('a*a'

a$("a'$# PHK a' A$("a'$# P+!b#ayaa'.

o U'%(* +!b#ayaa' +'a' a('a', 'a$aba #%aa"*a' ('%(* !+'('a*a'

a$("a'$# PHK a' A$("a'$# P+!b#ayaa'.

Persyaratan )asabah

1. a"a N+a"a I''+$#a 5NI6, b+"!#$#-# # I''+$#a

2. U$#a M#'#!(! aa $aa% +'a(a' +!b#ayaa' 21 Ta('

3. U$#a Ma*$#!(! aa $aa% Ja%( T+! P+!b#ayaa'=

Ka"yaa' = Ma*$#!a- :0 %a('

P">+$$#'a- a' +'($aa = Ma*$#!a- :& %a('.

P+aa# N++"# S##- = $+$(a# +'a' +"a%("a' ya' b+"-a*( !+'+'a# ($#a

+'$#(' P+aa# N++"# S##-


13/16

4. M+!#-#*# +'a-a!a' *+"a !#'#!(!=

Ka"yaa' = 2 %a(' 5%+"!a$(* +*+"aa' $+b+-(!'ya6

P">+$#'a- P+'($aa = 3 %a(' a-a! b#a' ya' $a!a

&. P+!b#ayaa' %a'a a('a' *+7(a-# P+!b#ayaa' Ha# a'ya #+"*+'a'*a'

('%(* 'a$aba +'a' +'aa%a' %+%a 5b+"$%a%($ *a"yaa'6.

&. A'a-#$#$ a%a

o Da-a! *a$($ #'# %#! !+'+!(*a' +"b+aa' a'%a"a ba'* $ya"#a !a'#"#

+'a' ba'* bb $ya"#a ya#%( =

o Da-a! "$+$ +'a(a' -aya'a' a-a! ba'* $ya"#a !a'#"# -+b#

#+"*+%a% a"#aa bb $ya"#a

:. M+"(!($*a' %((a' a' "+'7a'a %#'a*a'

B+"#*(% 7a"% $+%+-a #-a*(*a' b+'7!a"*


14/16

K+%+"a'a' =

1. Na$aba a%a' *+ ba'* +'a' !+!baa $("a% +"!'a' !($ya"a*a .

Da-a! $("a% #'# 'a$aba !+'+-a$*a' *+b(%(a' a'a $+baa# !a- *+"a

('%(* $(a%( "y+* . Na$aba !+'+-a$*a' "y+* ya' a*a' #*+"a*a' ,

#a* #a* ya' %+"-#ba% a' %((a' "y+* . P+'a-a!a' 'a$aba a-a!

"y+* $++'#$ a' $(!b+" a'a !+'+!ba-#*a' !a- %+"$+b(% *+aa


15/16

ba'* $+-a#' SPM 'a$aba (a !+'y+"%a*a' a%a a%a +"($aaa' a'

$+$#*a$# "y+*

2. A77('% OL7+" a*a' !+'a'a-#$a *+-aya*a' b#$'#$ 'a$aba ,#$%"#$ ($aa

'a$aba ba#* a"# $+# *(a-#%a%#> a' *(a'%#%a%#> $+"%a *+-aya*a' "y+*

($aa ya' a*a' #*+"a*a' -+ 'a$aba .Ba#a' A!#'#$%"a$# P+!b#ayaa'

3. Ba#a' a!#'#$%"a$# +!b#ayaaa' a*a' !+'a'a-#$a 'a$aba a"# $+#

y("##$ !a((' *+-+'*aa'+"##'a' $a' *+ab$aa' "y+*, (a

*+-+'*aa' *(!+'%a$# +"($aaa' a-a! b#a' (*(!, a' ba'*

7+7*#' a%a$ 'a$aba. Ha$#- +!+"#*$aa' 57+7*#'6 ba#a' a!#'#$%"a$#

+!b#ayaa' #$a!a#*a' *+aa a77('% OL7+" !a"*+%#' b+"$a!aa'

+'a' a'a-#$a *(a-#%a%#> a' *(a'%#%a%#>.

4. K!#%+ +!b#ayaa' ('%(* !+!+"-+ +"$+%((a'. B#-a "y+* 'a$aba

#a'a %#a* -aya*, a' %#a* !+!+'(# *"#%+"#a ('%(* # b#aya#, !a*a

$+-(%"( *(!+' a"($ #*+!ba-#*a' *+aa 'a$aba, a' a7('% L7+"

!+'ya!a#*a' +'-a*a' "y+* %+"$+b(% *+aa 'a$aba. B#-a +"!#'%aa'

'a$aba #a'a -aya* a' !+!+'(# *"#%+"#a, *!#%+ a*a' !+!b+"#*a'+"$+%((a' ya' *($($'ya !+'ya'*(% & a$+* ya#%( =

1. J(!-a !a- 'a$aba

2. J(!-a !a- ba'*

3. Ja'*a a*%( *+"a$a!a !($ya"a*a

4. N#$ba ba# a$#- a"# *+('%('a' a%a( +'aa%a' "y+*

&. P+"$ya"a%a')+"$ya"a%a' ya' a"($ #+'(# 'a$aba

B#-a +"-( ba'* (a aa% !+!#'%a ba'%(a' #a* *+%#a a%a( !+'+!a%*a'

+aa# ba'* a-a! "y+* ('%(* !+'aa$#

+"*+!ba'a' "y+*.Da-a!+!b#ayaa' !($ya"a*a, !a$a-a a!#'a' %#a*

!+'a# "#"#%a$ (%a!a, 'a!(' >+a$b#-#%y a' +'+--aa' "y+* ya' !+'a#

%-a* (*(" *+b+"a$#-a' "y+*.

&. B+"a$a"*a' +"$+%((a' *!#%+ , a77('% L7+" a*a' !+'#"#!*a',S("a%

P+"$+%((a' M($ya"a*a 5SPM6 *+aa 'a$aba. S+-a#' #%( ba'* !+!#'%a

*+-+'*aa' *(!+' -a#''ya b#-a !a$# #b#%(*a'. I$# $("a% +"$+%((a'

!($ya"a*a aa-a !+'y+%((# !+!b+"# >a$#-#%a$ !($ya"a*a *+aa

'a$aba +'a' $ya"a%)$ya"a% ya' %+-a #%+%a*a' -+ *!#%+.S+%+-a

!+'+"#!a SPM a"# ba'*, 'a$aba aa% !+'y+%((# a%a( %#a* !+'y+%((#

+"$ya"a%a' a%a((' '#$ba ba# a$#- ya' #a(*a' -+ ba'*. B#-aNa$aba$+%(( !a*a 'a$aba a*a' !+!+"$#a*a' *+-+'*aa' *(!+' ('%(*

a*a !($ya"a*a.

:. Ba#a' a!#'#$%"a$# +!b#ayaa' *($($'ya SB ('#% (*(! !+!+"$#a*a' .

A*a !($ya"a*a ya#%( +"a'#a' ba# a$#- a'%a"a 'a$aba +'a' ba'*

+'a' !+!+"a%#*a' *+-+'*aa' *(!+' a' "#'7#a'$+$#*a$# "y+*

ya' a*a' #b(a%, $+"%a $+a-a *+%+'%(a' %+"!$ a' 7'#%#'$ ya' %+-a

#$+a*a%# a'%a"a 'a$aba a' ba'*.


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9. S+%+-a a*a !($ya"a*a #%a'a%a'a'# 'a$aba #!#'%a ('%(*

!+'+-(a"*a' S("a% P+"!'a' R+a-#$a$# M($ya"a*a 5 SPRM 6. I$# SPRM

aa-a !+!#'%a +'7a"#a' a'a ('%(* #!(-a#'ya +-a*$a'aa' "y+*.

. Ba#a' A!#'#$%"a$# P+!b#ayaa' !+!b+"#*a' #'>"!a$# baa a*a

!($ya"a*a %+-a %+"-a*$a'a, a' a77('% L7+" aa% !+'y+%((#

#-a*$a'a*a''ya +'7a#"a' a'a *+aa 'a$aba.

;. S+%+-a !+'+"#!a a'a a"# ba'*, 'a$aba a*a' !+'y+"a*a' %a'a %+"#!a

(a' -+ 'a$aba 5TTUON6 *+aa ba'*.S+-a!a "y+* b+"a-a' a77('%

L7+" #a#b*a' ('%(* %("(% %+"-#ba%, !'#%"#' +"*+!ba'a' "y+* a'

+'aa%' $+"%a b#aya ya' #*+-(a"*a'. S+%+-a 5126 "y+* b+"a-a'

'a$aba a*a' !+-a*(*a'+!baya"a' ba# a$#- *+aa ba'* $+$(a# '#$ba

ya' %+-a #$+a*a%# b+"$a!a. P+!baya"a' ** +'+!ba-#a' **

#-a*(*a' # a*#" +"#+ $+-+$a#'ya a'*a a*%( !($ya"a*a.

$*&!MP+LA) #A) &A,A)

B+"a$a"*a' a$#- a"# -a'*a -a'*a "$+$ b+'7!a"* #a%a$ ba'* BJB$ya"#a !+-a*(*a' +"(baa' aa "$+$ +'a(a''ya ya' -+b# #+"*+%a%

+'a' 7a"a !+-a*(*a' +'aa$a' a' +'#'a%a' *+aa *'$(!+' .

SUMBER = BJBSYARIAH.CO.ID

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Proses Perbaikan Menggunakan Metode Benchmarking Pada Pt

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