ANALISIS SISTEM PEMBERIAN KREDIT DI BANK SYARIAH INDONESIA KANTOR CABANG SLAMET RIYADI 1

Abstrak

Penelitian ini menunjukkan bahwa integrasi fintech dalam sistem pemberian kredit di Bank Syariah Indonesia Kantor Cabang Slamet Riyadi 1 memberikan dampak positif terhadap efektivitas, efisiensi, dan kepuasan nasabah. Yang menyatakan bahwa digitalisasi proses pembiayaan syariah mampu mempercepat layanan dan meningkatkan daya saing bank syariah di era digital. Penerapan fintech memungkinkan proses analisis risiko dilakukan secara objektif dan cepat, mengurangi potensi human error, serta meningkatkan transparansi. Secara keseluruhan, integrasi fintech di Bank Syariah Indonesia Kantor Cabang Slamet Riyadi 1 dapat dijadikan model bagi cabang-cabang lain dalam mengakselerasi transformasi digital perbankan syariah di Indonesia. Namun, perlu adanya evaluasi dan pengembangan berkelanjutan agar tantangan yang ada dapat diatasi secara optimal.

This study shows that the integration of fintech into the credit disbursement system at Bank Syariah Indonesia's Slamet Riyadi 1 Branch Office has a positive impact on effectiveness, efficiency, and customer satisfaction. The research states that digitizing the sharia financing process can accelerate services and increase the competitiveness of sharia banks in the digital era. The implementation of fintech enables objective and rapid risk analysis, reduces the potential for human error, and increases transparency. Overall, the integration of fintech at Bank Syariah Indonesia's Slamet Riyadi 1 Branch Office can serve as a model for other branches in accelerating the digital transformation of sharia banking in Indonesia. However, ongoing evaluation and development are needed to optimally address existing challenges