Strategic Assessment of BSI Smart Agents: A SWOT Approach to Promoting Financial Inclusion in Cirebon Indonesia
DOI:
https://doi.org/10.54045/jeksyah.v5i01.2039Keywords:
BSI, smart agents, SWOT approach, financial inclusion, CirebonAbstract
This study analyzes the BSI Smart Laku Pandai program in Cirebon using a SWOT analysis approach, aiming to evaluate the potential and challenges faced by agents in implementing inclusive financial services. The study identifies four types of strategies based on the results of the SWOT matrix, namely SO (Strength-Opportunities), WO (Weaknesses-Opportunities), ST (Strengths-Threats), and WT (Weaknesses-Threats) strategies. The SO strategy focuses on leveraging the strengths of simple and guaranteed products to attract additional income opportunities for agents. The WO strategy seeks to address weaknesses in resources and technology by adding staff and improving service application performance. The ST strategy aims to mitigate external threats by strengthening the relationship between the bank and agents through supervision and education. Lastly, the WT strategy reduces weaknesses and avoids threats by ensuring the availability of services such as savings books and ATM cards, as well as conducting regular surveys of agents. This study provides recommendations for developing and maintaining the quality of Laku Pandai services by strengthening the role of agents at the local level and improving financial and technological literacy within the community. It is hoped that this research can serve as a reference for improving inclusive finance policies in Cirebon and other regions.
References
Abdussamad, H. Z., & Sik, M. S. (2021). Metode penelitian kualitatif. CV. Syakir Media Press.
Attaqwa Centre Cirebon. (n.d.). Sejarah Koperasi Koprimjamas At-Taqwa Cirebon. Retrieved from https://attaqwacirebon.com/koperasi-jamaah-masjid/. Accessed on November 10, 2024.
Attaqwa Centre Cirebon. (n.d.). Struktur Organisasi Koperasi Koprimjamas At-Taqwa Cirebon. Retrieved from https://attaqwacirebon.com/profil/struktur-organisasi/. Accessed on November 10, 2024.
Aziz, I. A., Rizaldi, M., & Balqis, L. F. (2024). Faktor-faktor yang mempengaruhi keputusan usaha mikro kecil menengah dalam bermitra menjadi agen BSI Smart. NISBAH: Jurnal Perbankan Syariah, 10(1), 59–73.
Badan Pusat Statistik. (2022). Indonesia dalam angka. Retrieved from https://www.bps.go.id. Accessed on November 17, 2023.
Bank Syariah Indonesia. (2021). Visi dan Misi. Retrieved from https://ir.bankbsi.co.id/vision_mission.html. Accessed on November 15, 2023.
Bank Syariah Indonesia. BSI SMART AGEN. Retrieved from https://www.bankbsi.co.id/produk&layanan/produk/1618199550bsi-smart-agent. Accessed on October 10, 2023.
Firdaus, F., Yufrinalis, M., Fil, S., Putri, R., Supriyanto, S. A. B., Peny, T. L. L., SE, M. M., Dwi Irawati, S. E., Awang, M. Y., & SE, M. M. (2021). Metodologi Penelitian Ekonomi. Yayasan Penerbit Muhammad Zaini.
Hidayati, S., Utami, K., & Masripah, M. (2022). Implementasi Branchless Banking di SMKN 3 Depok. Media Abdimas, 1(3), 107–116.
Khalidin, B., & Zahara, A. (2022). Fee system analysis and its disparity under BSI Smart agent services in the samsarah perspective. Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah, 3(2), 180–189.
Kurniawan, M. F. (2022). Laku Pandai Perbankan dan Perlindungan Nasabah: Studi Kasus Laku Pandai BCA di Kabupaten Demak Jawa Tengah. Jurnal Hukum Sasana, 8(1).
Lesmono, B., & Siregar, S. (2021). Studi literatur tentang agency theory. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 3(2), 203–210.
Lupita, M. C. (2023). Manifestasi layanan keuangan tanpa kantor dalam rangka keuangan inklusif (Laku Pandai) BSI SMART di wilayah Kudus. IAIN Kudus.
Matilda, A. (2024). Pengaruh kemudahan dan tingkat kepuasan masyarakat terhadap keputusan bertransaksi pada agen BSI Smart (Studi pada nasabah agen BSI Smart Kluet Selatan). UIN Ar-raniry.
Meithiana, I. (2019). Pemasaran dan Kepuasan Pelanggan. Unitomo Press.
Muliani, R. (2023). Analisis dampak layanan jasa transfer tunai BSI Smart pada masyarakat di Kecamatan Mutiara Timur Kabupaten Pidie. UIN Ar-Raniry.
Mustina, G. (2023). Peran agen BSI Smart dalam memberikan layanan kepada masyarakat pedesaan (Studi di Kecamatan Peudada Kabupaten Bireuen). Universitas Islam Negeri Ar-raniry.
Otoritas Jasa Keuangan. (2014). Penjelasan atas Peraturan Otoritas Jasa Keuangan Nomor 19/PJOK.03/2014 Tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif. Retrieved from https://peraturan.bpk.go.id/Home/Details/129870/peraturanojk-no-19pojk032014-tahun-201. Accessed on October 24, 2022.
Pahleviannur, M. R., De Grave, A., Saputra, D. N., Mardianto, D., Hafrida, L., Bano, V. O., Susanto, E. E., Mahardhani, A. J., Alam, M. D. S., & Lisya, M. (2022). Metodologi Penelitian Kualitatif. Pradina Pustaka.
Purnama, H. M., & Yuliafitri, I. (2019). Efektivitas gerakan literasi keuangan syariah dalam mengedukasi masyarakat memahami produk keuangan syariah. Banque Syar’i: Jurnal Ilmiah Perbankan Syariah, 5(1).
Putra, B. D., & Hermanto, K. (2022). Analisis faktor-faktor yang mempengaruhi keputusan nasabah dalam memilih jasa perbankan syariah (Studi kasus PT. Bank NTB Syariah Kcp Lunyuk). Journal of Innovation Research and Knowledge, 1(9), 1003–1014.
Rahmawati, H. (2024). Kepatuhan hukum agen Laku Pandai BSI Smart dalam layanan terhadap nasabah. El-Hisbah, 4(1).
Ridha, M. (2023). Analisis tingkat inklusi keuangan syariah pada layanan BSI Smart Agent di Kota Banda Aceh. UIN Ar-Raniry.
Susanto, D., & Jailani, M. S. (2023). Teknik pemeriksaan keabsahan data dalam penelitian ilmiah. Jurnal QOSIM: Jurnal Pendidikan, Sosial & Humaniora, 1(1), 53–61.
Sutisna, D., Nirwansyah, M., Ningrum, S. A., & Anwar, S. (2024). Studi literatur terkait peranan teori agensi pada konteks berbagai issue di bidang akuntansi. Karimah Tauhid, 3(4), 4802–4821.
Yanti, W. I. P. (2019). Pengaruh inklusi keuangan dan literasi keuangan terhadap kinerja UMKM di Kecamatan Moyo Utara. Jurnal Manajemen Dan Bisnis, 2(1).
Zuardi, M. H. (2020). Analisis keputusan nasabah menggunakan BRILink. Adzkiya: Jurnal Hukum Dan Ekonomi Syariah, 8(1), 93–114.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Inge Yudian, Haulah Nakhwatunnisa, Abdul Aziz
This work is licensed under a Creative Commons Attribution 4.0 International License.
