Information Technology

107

PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report

2014 Performance

Tinjauan Usaha dan Operasional Business and Operational Review

Teknologi Informasi Management Reports

Information Technology

Company Profile Operational and Business Review

Syariah sebagai anak perusahaan PT Bank Negara Indonesia

company of PT Bank Negara Indonesia (Persero) Tbk attempts to

(Persero) Tbk berupaya mengoptimalkan pemanfaatan sistem

optimize the use of information technology system from Parent

teknologi informasi dari Bank Induk melalui pengembangan

Bank through sharia banking service and product development

produk dan jasa perbankan syariah agar dapat tumbuh dan

in order to be able to grow and develop in very competitive

berkembang di tengah persaingan bisnis yang semakin ketat.

business competition.

Teknologi informasi sebagai penggerak bisnis perusahaan

Information technology as company business driver must be

harus fleksibel dan dapat diandalkan sehingga dapat mengikuti

flexible and reliable in order to be able to follow development

perkembangan berbagai produk perbankan syariah serta

of various sharia banking products as well as to support the

mendukung pertumbuhan bisnis perusahaan. Sebagai salah satu

growth of company business. As one of the best sharia banks

bank syariah terbaik di Indonesia, BNI Syariah berupaya untuk

in Indonesia, BNI Syariah attempts to apply and improve

menerapkan dan meningkatkan tata kelola teknologi informasi.

information technology administration.

Fokus operasional teknologi informasi pada tahun 2014 adalah

Operational focus on information technology in 2014 was

mengoptimalkan pemanfaatan Core Banking System PT Bank

optimizing the use of Core Banking System PT Bank Negara

Negara Indonesia (Persero) Tbk, pengembangan Sharia Link

Indonesia (Persero) Tbk, development of Sharia Link as

sebagai middleware system untuk mendukung layanan bisnis

middleware system to support BNI Syariah transactional business

transaksional BNI Syariah, pengembangan Electronic Financing

service, development of Electronic Financing Origination (eFO)

Origination (eFO) secara berkelanjutan untuk memenuhi

continually to complete automation needs of financing process

kebutuhan otomasi pemrosesan pembiayaan dan otomasi

and automation of reporting both internally and externally in

pelaporan baik internal maupun eksternal untuk mendukung

order to support company business performance.

kinerja bisnis perusahaan.

Upholding The Spirit of Hasanah

Auxiliary Information

competing with other sharia banking. BNI Syariah as a subsidiary

Corporate Social Responsibility

needed by banking in order to face competition, especially while

khususnya bersaing dengan perbankan syariah yang lain. BNI

Good Corporate Governance

Rapid development in information technology field is very

dibutuhkan oleh perbankan guna menghadapi persaingan,

Management Discussion and Analysis

Perkembangan teknologi informasi yang pesat sangat

108 2014 Performance

PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Tinjauan Usaha dan Operasional Business and Operational Review

I. Satuan Kerja Information Technology Division

Peranan Information Technology Division sangat diperlukan

The role of Information Technology Division is extremely needed

dalam mendukung pertumbuhan bisnis perusahaan melalui

in supporting the growth of company business through inovative

pengembangan inovatif guna menghadapi persaingan bisnis

development in order to face business competition among

antar perbankan syariah, memberikan layanan yang terbaik

syariah bankings, giving the best service to costumer improving

kepada nasabah dan meningkatkan produk dan layanan

more competitively operational services and products well and

operasional yang lebih kompetitif, lebih baik dan lebih cepat.

quickly.

Information Technology Division yang berada di bawah

The Information Technology Division, which operates under and

dukungan Direktur Operasi mempunyai staf yang kompeten di

is fully supported by the Director of Operations, consists of staffs

bidang Teknologi Informasi. Information Technology Division

that are highly competent in the field of Information Technology.

selalu berupaya untuk mengembangkan struktur organisasi

The division always strives to develop the organizational structure

satuan kerja dan melakukan penambahan jumlah staf pegawai

of work unit and increase the number of its employees in order

dalam rangka meningkatkan kapabilitas sumber daya manusia.

to improve human resource capabilities. This is conducted to

Hal ini dilakukan guna menjamin kelangsungan pertumbuhan

ensure the sustainability of BNI Syariah’s business growth in

bisnis BNI Syariah dalam aspek ketersediaan dan keandalan

terms of the availability and reliability of information technology

sistem teknologi informasi.

system.





Operational and Business Review

Company Profile

Management Reports

Work Unit of Information Technology Division


109


2014 Performance


Beberapa aspek yang menjadi tanggung jawab dan perhatian

Several aspects that become the main focus of the Information

utama dari Information Technology Division antara lain adalah

Technology Division are:

1. Mempersiapkan keahlian sumber daya manusia teknologi informasi melalui pelatihan-pelatihan pegawai satuan kerja Information Technology Division.

1. Preparing the human resources’ expertise in information technology through employee trainings of the division’s work unit.

2. Meningkatkan fungsi IT helpdesk menjadi service desk secara

Management Reports

sebagai berikut:

2. Improving the IT help desk to service desk gradually as a

bertahap sebagai layanan kepada user dalam mengatasi

service to settle operational issues both at the head office

permasalahan operasional baik di kantor pusat maupun

and branch offices.

kantor cabang. 3. Working together synergically with PT Bank Negara

Indonesia (Persero) Tbk yang terbukti dapat meningkatkan

Indonesia (Persero) Tbk that has been proven to increase

dukungan dan kapabilitas sistem teknologi informasi BNI

support and capability of BNI Syariah’s information

Syariah.

technology system.


II. Program TI

Company Profile

3. Sinergi co-working bersama dengan PT Bank Negara

IT Program

In 2014, the development of BNI Syariah’s information

Syariah masih dalam tahap penggunaan sistem bersama (IT

technology was still in the IT sharing stage, which focused on the

sharing) dan fokus pada kapabilitas teknologi informasi yang

information technology capabilities that include:

meliputi: • Mempertahankan service level BNI Syariah kepada nasabah

• Maintaining the service level of BNI Syariah to the customers

dengan pemanfaatan bersama (sharing) Data Center,

by the sharing of Data Center, Disaster Recovery Center,

Disaster Recovery Center, Core Banking System dan Selective

Core Banking System, and Selective Surrounding System

Surrounding System PT Bank Negara Indonesia (Persero) Tbk. • Membangun pondasi teknologi yang andal dengan

with PT Bank Negara Indonesia (Persero) Tbk. • Building a strong foundation for information technology by preparing the human resources’ expertise in information

informasi dengan cara co-working dengan PT Bank Negara

technology through co-working with PT Bank Negara

Indonesia (Persero) Tbk untuk sistem yang digunakan secara

Indonesia (Persero) Tbk upon the shared system.

bersama (sharing). • Mengembangkan sistem aplikasi independen secara selektif

• Developing better and faster independent application

dalam rangka memberikan dukungan teknologi informasi

systems selectively in order to provide information

yang dibutuhkan oleh unit bisnis dengan lebih baik dan lebih

technology support required by the business unit.


mempersiapkan keahlian sumber daya manusia teknologi


Pada tahun 2014, pengembangan teknologi informasi BNI

cepat. • Building Management Information System to prepare the

mempersiapkan Business Intelligence untuk memenuhi

Business Intelligence in order to fulfill the needs for a fast

kebutuhan sistem pelaporan informasi yang cepat dan

and accurate information reporting system that is beneficial

akurat yang berguna bagi manajemen dalam pengambilan

for the management in decision-making.

keputusan. • Mengamankan aset teknologi informasi untuk menjamin kesinambungan operasional perusahaan.

• Securing information technology assets to ensure the


• Membangun Management Information System untuk

sustainability of the company’s operations.





III. Aktivitas Kerja Teknologi Informasi


Company Profile

Management Reports

Work Activities of Information Technology

Program-program Information Technology Division pada tahun

The Information Technology Division’s 2014 work programs

2014 berjalan sesuai dengan target yang telah direncanakan,

went according to plan. Below are the work activities of the

berikut di bawah ini adalah aktivitas kerja Teknologi Informasi:

Information Technology Division:

1. Dukungan Teknologi Informasi untuk Pengembangan Produk dan Layanan Information Technology Support for the Development of Products and Services Dengan adanya dukungan penuh dari PT Bank Negara Indonesia

With the full support from PT Bank Negara Indonesia (Persero)

(Persero) Tbk, BNI Syariah sebagai anak perusahaan Bank BNI

Tbk, BNI Syariah as a subsidiary was allowed to utilize and

diperbolehkan untuk memanfaatkan dan mengoptimalkan

optimize the information technology systems owned by PT

sistem teknologi informasi yang dimiliki agar dapat tumbuh

Bank Negara Indonesia (Persero) Tbk in order to grow and

dan berkembang di tengah persaingan bisnis yang semakin

thrive in the increasingly fierce competition. In 2014, PT Bank

ketat. Pada tahun 2014, PT Bank Negara Indonesia (Persero) Tbk

Negara Indonesia (Persero) Tbk implemented Mobile Banking

melakukan implementasi Mobile Banking yang mengikutsertakan

that included BNI Syariah. Thus, BNI Syariah also used the same

BNI Syariah sehingga mobile banking yang digunakan sama

Mobile Banking used by the Parent Bank.

dengan sistem teknologi informasi PT Bank Negara Indonesia

Pengembangan Electronic Financing Origination (eFO) yang telah

The development of Electronic Financing Origination (eFO),

dibangun secara inhouse dilakukan secara terus-menerus untuk

which has been built in-house, was done continuously in order

memenuhi kebutuhan otomasi pemrosesan pembiayaan yang

to fulfil the needs for financing processing automation that

digunakan secara online baik di kantor pusat maupun kantor

is used online both at the head office and the branch offices.

cabang. Saat ini, pengembangan sistem eFO telah digunakan

Currently, the development of eFO system is used for the

untuk otomasi pembiayaan konsumtif yang ditujukan untuk

automation of consumptive financing created for regular needs

kebutuhan reguler (Pembiayaan Griya, Multijasa, Multiguna,

(Griya, Multiservice, Multipurpose, Fleksi, and Oto Financing) and

Fleksi, Oto) dan otomasi pembiayaan konsumtif yang ditujukan

consumptive financing automation aimed for the cooperation

untuk kerja sama antara BNI Syariah dengan Multifinance (eFO

between BNI Syariah and Multifinance (eFO MAPS – Multifinance

MAPS – Multifinance Administering & Processing System) serta

Administering & Processing System) as well as automation of

otomasi pembiayaan produktif (Pembiayaan Wira Usaha Syariah)

productive financing (Sharia Enterpreneur Financing) which can

yang dapat digunakan sebagai modal kerja atau investasi.

be used as working capital or investment.

Pengembangan eFO secara berkelanjutan juga dilakukan untuk

The constant development of eFO is also done to optimize the

mengoptimalkan penggunaan sistem eFO untuk Micro Banking

use of eFO system for Micro Banking by adding new features.

dengan cara penambahan fitur-fitur baru. Seperti halnya

Just like the eFO for regular needs, the use of eFO system for

pada eFO untuk kebutuhan reguler, penggunaan sistem eFO

micro banking has also been proven to speed up the process

untuk Micro Banking juga terbukti dapat mempercepat proses

as well as mitigating the risk in the process of providing micro

sekaligus melakukan mitigasi risiko dalam proses pemberian

financing.

pembiayaan mikro.





(Persero) Tbk.


111


2014 Performance


untuk kebutuhan transaksional BNI Syariah terkait dengan kerja

system for BNI Syariah’s transactional needs related to third-party

sama pihak ketiga guna peningkatan fee based income telah

cooperation in increasing fee-based income had been done

dilakukan pada tahun sebelumnya. Sharlink terus dikembangkan

in the previous year. Sharlink has been constantly developed

agar dapat digunakan untuk layanan transaksional seperti

in order to be able to be used for transactional services such

layanan Student Payment Center (SPC) dan TopUp Virtual

as Student Payment Center (SPC) and TopUp Virtual Account.

Account. Untuk layanan Student Payment Center, Sharlink

For SPC, Sharlink supports the provision of host-to-host SPC

mendukung penyediaan SPC host-to-host untuk otomasi layanan

for automatic registration service as well as tuition payment

pendaftaran maupun pembayaran uang kuliah untuk UIN Sultan

for UIN Sultan Syarif Kasim Riau and Universitas Islam Sultan

Syarif Kasim Riau dan Universitas Islam Sultan Agung Semarang.

Agung Semarang. SPC for Universitas Airlangga, Politeknik

Adapun yang masih dalam tahap pengembangan adalah

Kesehatan Kementerian Kesehatan Surabaya, and Universitas

untuk Universitas Airlangga, Politeknik Kesehatan Kementerian

Muhammadiyah Gresik are currently being developed.

Kesehatan Surabaya, dan Universitas Muhammadiyah Gresik. Moreover, Sharlink can now be used for State Revenue Module

Penerimaan Negara (MPN) Gen II, dan Sistem Komputerisasi

(MPN) Gen II and Integrated Hajj Computerized System

Haji Terpadu (Siskohat). Untuk layanan TopUp Virtual Account,

(Siskohat). Sharlink has also gone through the development to

Sharlink juga sudah dilakukan pengembangan untuk

support TopUp Hasanah Payment, a service for TopUp Virtual

mendukung TopUp Hasanah payment. Ke depan, pemanfaatan

Account. In the future, the use of Sharlink will be expanded to

Sharlink akan diperluas untuk layanan transaksional maupun

cater to both transactional and non-transactional services.

non-transaksional lainnya. Hasanah Payment’s desktop and mobile applications have been

application yang dapat digunakan oleh loket-loket mitra bisnis

developed so they may be used in the counters of BNI Syariah’s

BNI Syariah sehingga dapat melayani pembayaran berbagai

business partners where it can be used for the payment of bills

tagihan seperti PLN, PDAM, Telkom, Pulsa Pra bayar, dan

such as PLN, PDAM, Telkom, pre-paid mobile credit, and others.

sebagainya sampai ke pelosok jaringan mitra. Hasanah Payment

Branch offices that want to open Payment Points can also use

juga dapat digunakan oleh cabang BNI Syariah untuk membuka

Hasanah Payment.

payment point di kantor cabang.


Pengembangan Hasanah Payment baik desktop maupun mobile


Selain itu, Sharlink sudah dapat digunakan untuk sistem Modul

Company Profile

The development of Sharia Link (Sharlink) as a middleware

Management Reports

Pengembangan Sharia Link (Sharlink) sebagai middleware system

Good Corporate Governance Corporate Social Responsibility Auxiliary Information


112






Company Profile

Management Reports

2014 Performance


Pengembangan Hasanah Forum dapat menjadikan komunikasi

The development of Hasanah Forum is beneficial in creating a

antara kantor pusat dan cabang lebih terjalin. Demikian juga

better chain of communication between the head office and

pengembangan Service Desk Tool yang dapat menjadi salah satu

branch offices. Service Desk Tool can also be an alternative

alternatif untuk cabang melaporkan permasalahan teknologi

for branch offices to report any technological difficulties

di cabang kepada Information Technology Division serta

encountered to the Information Technology Division as well

pengembangan Compliance Information System yang dapat

as the development of Compliance Information System that is

berguna bagi BNI Syariah dalam memenuhi aspek compliance

beneficial for BNI Syariah in fulfilling compliance aspect from the

dari regulator.

regulator.

Seiring dengan adanya proses spin-off BNI Syariah menjadi Bank

Along with the spin-off process to become sharia bank on its

tersendiri, maka BNI Syariah melakukan pengembangan BIN baru

own, BNI Syariah developed a new Bank Identification Number

sebagai langkah untuk pemisahan BIN dengan Bank Induk. BIN

(BIN) as a step towards separating from Parent Bank. BIN is

(Bank Identification Number) merupakan enam digit pertama

the first six digits of ATM card numbers in debit and credit

dari nomor kartu ATM suatu bank baik kartu debit maupun

cards issued by Visa or Mastercard. In other words, BIN is the

kartu kredit yang dikeluarkan oleh Visa atau Mastercard. Dengan

identification number of ATM cardholders. BIN with the number

kata lain, BIN adalah nomor identifikasi pemegang kartu ATM

5 (five) or 6 (six) as the first digit is issued by Mastercard, while

suatu bank. Untuk BIN dengan nomor digit pertama 5 (lima)

BIN with the number 4 (four) is issued by Visa. In 2014, BNI

dan 6 (enam) dikeluarkan oleh pihak Mastercard, sedangkan BIN

Syariah has gained its own BIN for the Silver (521083) and Gold

dengan nomor digit pertama 4 (empat) dikeluarkan oleh Visa.

(528721) ATM cards.

Di tahun 2014, BNI Syariah telah mempunyai BIN sendiri untuk kartu ATM Silver (521083) dan Gold (528721). Selain itu, Information Technology Division juga memberikan

Moreover, the Information Technology Division also provided

dukungan dalam pembukaan 3 Kantor Cabang, 4 Kantor

support in the opening of 3 Branches, 4 Sub-branches, and 8

Cabang Pembantu dan 8 Kantor Fungsional. Selain itu,

Functional Offices. In addition, Information Technology Division

Information Technology Division juga memberikan dukungan

also provided support in the relocation of one Branch Office.

dalam relokasi 1 Kantor Cabang. Sepanjang tahun 2014, BNI Syariah juga telah menjalin kerja

Throughout 2014, BNI Syariah has established cooperation with

sama dengan instansi dan universitas mengenai pelayanan

universities and institutions in the field of banking services,

jasa perbankan, khususnya penerbitan dan pengelolaan kartu

especially derivative cards issuances and management, with

derivatif, di antaranya yaitu SMP Nurul Ihsan, SMK IPTEK Jakarta,

SMP Nurul Ihsan, SMK IPTEK Jakarta, Universitas Sebelas Maret

Universitas Sebelas Maret Surakarta, Akademi Kebidanan

Surakarta, Akademi Kebidanan Aisyiyah Banten, Sekolah Islam

Aisyiyah Banten, Sekolah Islam Terpadu Al-Furqon Palembang,

Terpadu Al-Furqon Palembang, Haji dan Umroh, UIN Ar-Raniry

Haji dan Umroh, UIN Ar-Raniry Banda Aceh, dan Badan

Banda Aceh, dan Badan Koordinasi Majelis Ta’lim Masjid-Dewan

Koordinasi Majelis Ta’lim Masjid-Dewan Masjid Indonesia.

Masjid Indonesia.

Untuk mempermudah nasabah di dalam melakukan transaksi

To facilitate customers in doing cash deposit transaction, BNI

setoran tunai, BNI Syariah telah mengembangkan setoran tunai

Syariah has developed formless cash deposit so that customers

formless sehingga nasabah tidak perlu mengisi formulir ketika

do not have to fill out any form when depositing cash. In order

akan melakukan setoran tunai. Dalam rangka meningkatkan

to increase efficiency, the bank is also developing online account

pelayanan dan efisiensi waktu layanan, saat ini sedang dilakukan

opening where customers will be able to open new accounts by

pengembangan untuk pembukaan rekening online di mana

filling out electronic forms on BNI Syariah’s official website. To

nasabah melakukan pembukaan rekening dengan mengisi

accommodate the decision of the Ministry of Religious Affairs

aplikasi elektronik pada situs resmi (website) BNI Syariah. Guna

of the Republic of Indonesia, in which hajj funds should be

mengakomodasi keputusan dari Kementerian Agama Republik

managed by sharia banking, BNI Syariah has been preparing

Indonesia bahwa dana haji harus dikelola oleh perbankan

technology systems to accommodate the decision to remain

syariah, BNI Syariah berupaya mempersiapkan sistem teknologi

competitive with other sharia banks.

untuk melaksanakan keputusan tersebut agar tetap dapat bersaing dengan bank syariah yang lain.


113


2014 Performance


2. Sistem Informasi Manajemen Information System Managements

(LBUS) by using the eXtensible Business Reporting Language

eXtensible Business Reporting Language (XBRL). Implementasi ini

(XBRL) method. This implementation requires BNI Syariah to

mengharuskan BNI Syariah untuk melakukan perubahan metode

adjust its reporting method that was previously in text-file format

pelaporan yang semula berbasis format text file menjadi berbasis

into XML-based format by using XBRL method. Furthermore,

formal XML dengan menggunakan metode XBRL. Selain itu,

the Information Technology Division in collaboration with

Information Technology Division bekerja sama dengan unit bisnis

the business units are always striving to make addition and

selalu berupaya untuk melakukan penambahan dan optimalisasi

optimization of the reporting features in Business Intelligence

fitur-fitur pelaporan pada aplikasi Business Intelligence System

System (BIS), Executive Dashboard, and Report Delivery Channel

(BIS), aplikasi Executive Dashboard dan aplikasi Report Delivery

(RDC) applications in order to support the provision of data both

Channel (RDC) guna mendukung penyediaan data baik untuk

for internal as well as external parties of BNI Syariah.

Company Profile

BNI Syariah has implemented Sharia Banks Monthly Report

Bank Umum Syariah (LBUS) dengan menggunakan metode

Management Reports

BNI Syariah telah mengimplementasikan Laporan Bulanan

pihak internal divisi maupun pihak eksternal BNI Syariah.


3. Pengamanan Sistem Informasi Information System Secure

always been a concern for the management of BNI Syariah. The

Syariah. Pengamanan sistem informasi BNI Syariah sangat

security of BNI Syariah’s information system is highly qualified

berkualitas dengan adanya dukungan dan peran serta PT Bank

due to the support and participation from PT Bank Negara

Negara Indonesia (Persero) Tbk sebagai perusahaan induk.

Indonesia (Persero) Tbk as the holding company. By sharing

Penggunaan IT infrastruktur bersama (sharing) dengan Bank BNI

the IT infrastructure with Bank BNI, the security of BNI Syariah’s

menjadikan keamanan Pusat Data Center dan Disaster Recovery

Data Center and Disaster Recovery Center’s has a very assured

Center BNI Syariah sangat terjamin kualitasnya guna menjaga

quality in order to maintain the sustainability of the company’s

kesinambungan operasional perusahaan.

operations.

BNI Syariah berupaya semaksimal mungkin menyempurnakan

BNI Syariah strives to enhance application software features in

fitur software aplikasi pada mesin pinpad untuk segenap kantor

pinpad machines for branches and microbranches. This is done

cabang reguler maupun kantor cabang mikro. Hal ini dilakukan

to prevent fraud on withdrawal and transfer transactions above

untuk mencegah tindakan penipuan pada setiap transaksi

Rp5,000,000 by requesting verification of the customer’s PIN in

penarikan dan transaksi transfer yang bernilai di atas Rp5 juta

the pinpad machine.

dengan mewajibkan adanya verifikasi PIN nasabah pada mesin pinpad.


The quality improvement of information system security has

informasi selalu menjadi perhatian jajaran manajemen BNI


Perbaikan dan peningkatan kualitas pengamanan sistem

Corporate Social Responsibility Auxiliary Information









Company Profile

Management Reports

4. Manajemen Risiko Risk Management BNI Syariah telah mengembangkan aplikasi Risk Management

BNI Syariah has developed Risk Management Information System

Information System (RMIS) sebagai bagian dari pelaporan

(RMIS) application as a part of online risk profile reporting to

profil risiko online kepada Bank Indonesia. Pengembangan ini

Bank Indonesia. This development is an extension from the first

merupakan kelanjutan dari fase pertama yang telah dilakukan

stage that had been done the previous year. The utilization of

pada tahun sebelumnya. Penggunaan RMIS dapat memberikan

RMIS can predict future losses, improve systematic risk-taking

gambaran mengenai kerugian pada masa yang akan datang,

method and process based on information availability, act as an

meningkatkan metode dan proses pengambilan keputusan yang

accurate standard measure for the company’s performance, as

sistematis berdasarkan ketersediaan informasi, sebagai dasar

well as measure the risk of BNI Syariah’s business activities.

pengukuran yang lebih akurat mengenai kinerja perusahaan, serta menilai risiko yang melekat pada kegiatan usaha BNI Syariah.

5. Manajemen Sumber Daya Manusia Human Resource Management Sejalan dengan pesatnya pertumbuhan jumlah pegawai

Along with the rapid growth in the number of employees, the

BNI Syariah, maka pemanfaatan sistem yang sesuai dengan

utilization of appropriate systems is necessary to implement

kebutuhan diperlukan untuk melaksanakan manajemen

better management of human resources. To update the old

sumber daya manusia yang lebih baik. Untuk memperbarui

system, BNI Syariah has developed the first phase of Human

sistem yang lama, BNI Syariah telah mengembangkan aplikasi

Resources Information System (HRIS) application, which

Human Resources Information System (HRIS) fase pertama

includes Organization Management, Payroll and Personnel

yaitu Organization Management, Payroll dan Personnel

Administration. This phase had been implemented in 2012.

Administration, fase ini telah diimplementasikan pada tahun

In 2014, the second phase of the development had been

2012. Di tahun 2014, pengembangan aplikasi Human Resources

commenced and is targeted to be completed in the beginning

Information System (HRIS) berada pada fase kedua dan

of 2015.

ditargetkan selesai pada awal 2015 untuk kemudian memasuki fase selanjutnya.

IV. Tata Kelola dan Audit Teknologi Informasi

Information Technology Governance and Audit

BNI Syariah sangat menjunjung tinggi Kebijakan Penggunaan

BNI Syariah strongly upholds the Policy of Information

dan Pengelolaan Teknologi Informasi (KPPTI) sebagai acuan

Technology Utilization and Management (KPPTI) as an internal

ketentuan internal dalam penerapan Tata Kelola Teknologi

regulatory guidance in the application of Information Technology

Informasi. Hal ini bertujuan untuk memastikan bahwa

Governance. It aims to ensure that good management of

manajemen teknologi informasi yang baik telah diterapkan dan

information technology has been applied and implemented

dilaksanakan serta mempertahankan kualitas kinerja software

as well as to maintain the quality of software and hardware

dan hardware. Selanjutnya, BNI Syariah secara bertahap

performance. Furthermore, BNI Syariah gradually improves the

berupaya semaksimal mungkin untuk memperbaiki penerapan

system development life cycle in order to build quality systems

pengembangan system development life cycle guna membangun

and products.

sistem dan produk yang berkualitas.


115


2014 Performance


Considering that BNI Syariah still implements IT sharing with

dengan PT Bank Negara Indonesia (Persero) Tbk, perbaikan dan

PT Bank Negara Indonesia (Persero) Tbk, system improvements

perubahan sistem akan menjadi sesuatu yang sangat berharga

and changes will be very valuable in terms of implementation

apabila dilihat dari segi waktu implementasi. BNI Syariah telah

time. BNI Syariah has done information technology audit both

melaksanakan audit teknologi informasi dalam rangka evaluasi

internally as well as externally in order to evaluate and improve

dan perbaikan efektivitas proses-proses manajemen risiko,

the effectiveness of risk management processes, controls

kontrol dan good corporate governance baik dari audit internal

and good corporate governance, thus expecting the use of

maupun audit eksternal, sehingga diharapkan penggunaan

information technology to deliver maximum results for BNI

teknologi informasi dapat memberikan hasil yang maksimal bagi

Syariah.

Management Reports

Mengingat bahwa BNI Syariah masih menerapkan IT sharing

BNI Syariah. Company Profile

V. Rencana ke Depan

Future Plan

utilizing PT Bank Negara Indonesia (Persero) Tbk’s information

PT Bank Negara Indonesia (Persero) Tbk (sharing) yaitu Data

technology systems, namely Data Center, Disaster Recovery

Center, Disaster Recovery Center, Core Banking System dan

Center, Core Banking System, and Selective Surrounding System.

Selective Surrounding System. Sejalan dengan ketentuan Bank

In line with the regulations from Bank Indonesia, BNI Syariah will

Indonesia, BNI Syariah juga akan menerapkan sistem BI SKNBI

also implement BI’s SKNBI Next Generation system that replaces

Next Generation untuk menggantikan sistem SKNBI yang lama.

the old SKNBI system. Moreover, BNI Syariah will also develop a

Selain itu, BNI Syariah juga akan melakukan pengembangan

Trade Finance application to support the business development

aplikasi Trade Finance untuk mendukung pengembangan bisnis

of Trade Finance; develop financing products features; develop

Trade Finance, pengembangan fitur-fitur produk pembiayaan,

Sales Activity Performance Monitoring (SAPM) application to

pengembangan aplikasi Sales Activity Performance Monitoring

monitor the target and achievements of Third Party Fund (DPK)

(SAPM) untuk memonitor antara target dan pencapaian

in BNI Syariah; develop General Payment System (GPS) that

perkembangan Dana Pihak Ketiga (DPK) yang ada di BNI

enables third parties to upload payment data to BNI Syariah’s

Syariah, pengembangan General Payment System (GPS)

server independently; develop Branchless Banking in two steps

yang memungkinkan third party dapat mengunggah data

– first is integrating BNI Syariah with third parties so the latter

payment ke server BNI Syariah secara mandiri, pengembangan

may do transactions in BNI Syariah branches and ATM, and

Branchless Banking dalam dua tahap, di mana tahap pertama

second is enabling non-customers to do transactions in agents;

mengintegrasikan BNI Syariah dengan third party secara online

and prepare the IT system for the opening of 1 Branch, 1 Sub-

sehingga nasabah third party dapat bertransaksi di cabang BNI

branches, 2 BNI Syariah’s Mobile Service, 5 Payment Points, and

Syariah dan ATM dan tahap kedua di mana tanpa harus menjadi

the relocation of 1 Branch and 1 Sub-branches.

nasabah BNI Syariah pelanggan dapat bertransaksi di agen-


submitted to Bank Indonesia, in 2015 BNI Syariah will still be

masih akan memanfaatkan sistem teknologi informasi Bank


In accordance with the Bank Business Plan that has been

kepada Bank Indonesia bahwa BNI Syariah pada tahun 2015


Sesuai dengan Rencana Bisnis Bank yang telah disampaikan

agen, dan menyiapkan IT untuk pembukaan 1 Kantor Cabang, 5 Payment Point, serta relokasi 1 Kantor Cabang dan 1 Kantor Cabang Pembantu.


1 Kantor Cabang Pembantu, 2 BNI Syariah Layanan Gerak (BLG),





Company Profile

Management Reports

Pemasaran Marketing

Tahun 2014, BNI Syariah mengangkat corporate campaign

In 2014, BNI Syariah used a corporate campaign with the theme

dengan tema Hasanah. Hasanah yang berarti kebajikan

of Hasanah. Hasanah, which means goodness, is a core principle

merupakan prinsip dasar BNI Syariah dalam memberikan

of BNI Syariah in providing banking services to its customers.

layanan perbankan bagi nasabahnya. Dengan membumikan

By implementing the Hasanah values in all aspects of life, it

nilai-nilai Hasanah dalam seluruh sendi kehidupan, diharapkan

is expected to bring Indonesia forward. The Hasanah Titik!

dapat membawa Indonesia yang lebih maju dan bermartabat.

corporate campaign was done through above-the-line (ATL)

Corporate Campaign Hasanah Titik! dilakukan melalui media-

media, for instance Kompas Newspaper, Jawa Pos Newspaper,

media yang bersifat Above The Line (ATL) di antaranya Koran

Metro TV, Trans TV, detik.com, etc.

Kompas, Koran Jawa Pos, MetroTV, Trans TV, detik.com, dan

Selain itu, untuk menunjang kegiatan-kegiatan pemasaran

In order to support the marketing and the growth of products

dan pertumbuhan produk, jasa, maupun layanan BNI Syariah,

and services of BNI Syariah, marketing communication function

fungsi marketing communication juga diterapkan melalui

was also implemented through Below-The-Line (BTL) promotional

kegiatan-kegiatan promosi yang bersifat Below The Line (BTL).

activities such as exhibition/expo, branches’ support marketing

Di antaranya melalui kegiatan pameran/expo, support marketing

collateral, and taking part in iB Vaganza activities that was held

collateral cabang, dan ikut serta dalam kegiatan iB Vaganza yang

in several cities. These programs were done to strengthen the

diselenggarakan di beberapa kota. Seluruh program tersebut

hasanah brand value of BNI Syariah.

dilakukan untuk memperkuat value brand Hasanah BNI Syariah. BNI Syariah selalu berusaha untuk melibatkan nasabah/calon

BNI Syariah constantly tries to involve its customers and

nasabah untuk berbuat Hasanah dalam setiap rangkaian

prospective customers to be Hasanah by participating in every

kegiatan promosi maupun kegiatan CSR yang dilakukan oleh

promotional and CSR activities that are done by BNI Syariah’s

seluruh jaringan kantor cabang BNI Syariah. Dengan demikian

entire network of branches. This is done so customers and

nasabah/calon nasabah diharapkan dapat membawa kebaikan

prospective customers can bring goodness to others so that

bagi sesama sehingga hasanah dunia dan akhirat dapat dicapai.

Hasanah in the world and afterlife may be achieved.

Dalam rangka mendekatkan diri dan bersentuhan langsung

In order to minimize the gap and be involved directly with the

dengan nasabah dan calon nasabah, BNI Syariah juga hadir lebih

customers and prospective customers, BNI Syariah is also present

dekat melalui BNI Syariah Layanan Gerak yang senantiasa siap

through BNI Syariah’s Mobile Service that is always ready to take

melayani kebutuhan transaksi perbankan masyarakat. Demikian

care of the community’s transactional banking needs. Similarly,

pula dengan penggunaan sosial media sebagai sarana untuk

the use of social media serves as a way to be closer to the

menyapa lebih dekat lagi kepada nasabah dan masyarakat,

customers and community so that strong emotional connection

sehingga terjadi kedekatan emosional yang kuat, serta

and product knowledge will be built.

pengenalan produk yang memadai.






lain-lain.


117


2014 Performance


Management Reports

Realisasi Kegiatan Activities Realization

Company Profile

1. Brand Brand

a. Kampanye marketing communication yang dilandaskan pada corporate campaign Hasanah Titik! berdasarkan nilai-nilai Hasanah sesuai syariah.

a. Marketing communication campaigns that are based on Hasanah Titik! corporate campaign that goes in line with sharia’s Hasanah values. b. Thematic campaign of promotion programs through monthly events/expo with Working Group Marcom iB in

iB di kegiatan iB Vaganza tahun 2014, yang telah

2014 iB Vaganza that was commenced in 10 cities such

dilaksanakan di 10 kota di antaranya Yogyakarta,

as Yogyakarta, Bandung, Lampung, Tangerang, Batam,

Bandung, Lampung, Tangerang, Batam, Depok, Bekasi,

Depok, Bekasi, Pekanbaru, Jambi, and Malang that

Pekanbaru, Jambi dan Malang yang telah menghasilkan

created an achievement of 38,382 numbers of Savings

pencapaian sebanyak 38.382 NoA Tabungan dan

and Financing with the total of Rp122 billion.

Pembiayaan dengan nominal sebesar Rp122 miliar. c. Menjadi sponsor utama pada Islamic Book Fair

c. Became the main sponsor of Islamic Book Fair, an event with the biggest amount of visitors. Islamic Book Fair

Islamic Book Fair merupakan sarana yang tepat untuk

was the right means to introduce BNI Syariah’s presence

memperkenalkan kehadiran BNI Syariah dengan

with its Hasanah Titik! campaign. Services provided

kampanye “Hasanah Titik!”. Layanan yang diberikan

during the event facilitated the visitors and publishers’

selama pameran tersebut memudahkan masyarakat dan

transactions by providing five units of BNI Syariah’s

penerbit untuk melakukan transaksi mereka antara lain

Mobile Service Vehicles.

dengan penyediaan lima unit mobil BNI Syariah Layanan Gerak.


sebagai event dengan jumlah pengunjung terbesar.


expo/event bulanan bersama Working Group Marcom


b. Kampanye tematik program promosi melalui kegiatan

2. Channel

a. Di tahun 2014, BNI Syariah menambah outlet mikro di wilayah-wilayah yang potensial.

a. In 2014, BNI Syariah added micro outlets in potential areas.

b. BNI Syariah juga memanfaatkan jaringan kantor PT Bank

b. BNI Syariah also made use of PT Bank BNI (Persero) Tbk’s

BNI (Persero) Tbk melalui layanan Sharia Channeling

office network through the Sharia Channeling Office

Office (SCO).

(SCO).

c. Pemanfaatan sosial media seperti Facebook dan Twitter

c. The use of social media such as Facebook and Twitter for marketing and branding.



sebagai sarana marketing dan branding.


Channel



Penghargaan Marketing Communication Management Reports

Marketing Communication Awards

Berbagai kegiatan marketing communication dan realisasi

Various marketing communication activities and the realization

peningkatan kualitas layanan yang semakin baik, membuat

of quality service improvement won several product brands of

beberapa brand produk BNI Syariah mendapatkan penghargaan

BNI Syariah awards from third parties:

dari pihak ketiga sebagai berikut: 1. Karim Consulting - The 10th Islamic Finance Award 2nd Company Profile

Rank Top Growth Funding Islamic Full Fledge Bank (BUKU 2) 2. Majalah Infobank - Infobank Digital Award Peringkat 3 Digital Brand Tabungan Bank Umum Syariah 3. Majalah Infobank - Infobank Digital Award Peringkat 1

3. Infobank Magazine - Infobank Digital Award 1st Rank Digital Brand Sharia KPR

4. Majalah Infobank - Infobank Digital Award Peringkat 1 Digital Brand Deposito Bank Umum Syariah

4. Majalah Infobank - Infobank Digital Award 1st Rank Digital Brand General Sharia Deposits Bank

5. Majalah Infobank - Infobank Digital Award Peringkat 3 Operational and Business Review

Rank Top Growth Funding Islamic Full Fledge Bank (BUKU 2) 2. Infobank Magazine - Infobank Digital Award 3rd Rank Digital Brand General Sharia Savings Bank

Digital Brand KPR Syariah

Digital Brand Bank Umum Syariah

5. Infobank Magazine - Infobank Digital Award 3rd Rank Digital Brand General Sharia Bank

6. Majalah SWA - Indonesia Middle Class Moslem Brand

6. SWA Magazine - Indonesia Middle Class Moslem Brand

Champion 2014 product category Sharia Savings

Champion 2014 for Sharia Savings product category

7. Majalah SWA - Indonesia Middle Class Moslem Brand

7. SWA Magazine - Indonesia Middle Class Moslem Brand

Champion 2014 product category KPR Sharia

Champion 2014 for Sharia KPR product category

8. Markplus - Silver Champion of Indonesia WOW Brand 2014 Category : Saving Account – Islamic Bank

Category: Saving Account – Islamic Bank

9. Markplus - Silver Champion of Indonesia WOW Brand 2014 Category : Mortgage – Islamic Bank

9. Markplus - Silver Champion of Indonesia WOW Brand 2014 Category: Mortgage – Islamic Bank

10. Koran Tempo - Indonesia Banking Award 2014 kategori The Most Reliable Bank

10. Koran Tempo - Indonesia Banking Award 2014 kategori The Most Reliable Bank

11. The Most Favourite Bank for Sharia Financing – Housing Estate Favourite KPR awards 2014

8. Markplus - Silver Champion of Indonesia WOW Brand 2014

11. The Most Favourite Bank for Sharia Financing – Housing Estate Favourite KPR Awards 2014





1. Karim Consulting - The 10th Islamic Finance Award 2nd


119


2014 Performance


Pengembangan Operasional Cakupan aktivitas operasional di BNI Syariah antara lain meliputi:

Coverage of operation activities in BNI Syariah, among others, include:

1.

Terselenggaranya aktivitas operasional transaksi perbankan

1.

transactions. Operation of banking transaction, among

perbankan antara lain meliputi aktivitas pelayanan uang

others, includes the activities of cash service, transfer and

tunai, pemindahbukuan dan transaksi melalui kartu serta

card transaction as well as electronic banking, both in

Terjaminnya keberlangsungan operasional kantor walaupun

bank’s internal and inter-bank. 2.

dalam kondisi terjadinya gangguan, baik gangguan teknis

Ensure the sustainability of office operations despite the interference, either technical problem or natural disaster.

maupun bencana alam. 3.

Menjaga kualitas pembiayaan bank dari risiko operasional

3.

yang mungkin terjadi.

Company Profile

electronic banking, baik internal bank maupun antar bank. 2.

1. Safe, smooth, and efficient implementation of banking

dengan aman, lancar dan efisien. Operasional transaksi

Management Reports

Operational Development

Maintain the bank’s financing quality from potential operation risk.


Administrasi Pembiayaan Financing Administration

Since 2013, BNI Syariah carried out the separation process of

pencairan (disbursement) pembiayaan dari proses persetujuan

financing disbursement from the financing approval process.

pembiayaan. Pencairan pembiayaan dilakukan oleh unit

Financing disbursement is carried out by an independent unit

independen yang tidak terkait langsung dengan proses

that is not directly related to the financing approval process.

persetujuan pembiayaan. Hal ini dilakukan untuk menjamin

This is done to ensure the independence upon fulfillment of the

independensi atas terpenuhinya syarat-syarat pencairan yang

conditions set by the decision maker of financing disbursement.

ditetapkan oleh pemutus pembiayaan. Unit that handles the process of financing disbursement is

Administrasi Pembiayaan. Unit Administrasi Pembiayaan berada

Financing Administration Unit. Financing Administration Unit

di Kantor Pusat di bawah supervisi Operational Division dan di

OF Head Office is under the supervision of Operational Division

Kantor Cabang di bawah supervisi Operational Manager. Unit

and in Branch Office is under the supervision of Operational

Administrasi Pembiayaan pada Kantor Cabang berada di bawah

Manager. Financing Administration Unit at the Branch Office

supervisi Operational Division untuk menjamin independensi

is under the supervision of Operational Division to ensure the

pemutus pencairan dari Unit Bisnis Cabang.

independence of the disbursement decision maker from the Branch Business Unit. Financing Administration Unit also has a financing supporting

pembiayaan, antara lain:

function, among others:

1.

1.

Melakukan analisis legalitas dokumen, agunan, perizinan dan aktivitas terkait pemberian pembiayaan.

Analyze the legality of document, collateral, licensing and activities related to the provision of financing.

2.

Melakukan akad dan pengikatan agunan.

2.

Perform akad (contract) and agreement of collateral.

3.

Mengelola dokumen-dokumen pembiayaan.

3.

Manage the financing documents.

The separation of financing disbursement process from the

dari unit yang menangani proses persetujuan pembiayaan, maka

unit that handles the financing approval process has led to the

kolektibilitas pembiayaan BNI Syariah terjaga pada level di atas

achievement of BNI Syariah’s financing collectibility which was

98% (gross). Kolektibilitas gross tahun 2014 sebesar 98,14%

maintained above the level of 98% (gross). Gross collectibility in

(gross) sama dengan tahun 2013.

2014 amounted to 98.14 (gross) equal to 2013.



Dengan dilakukannya pemisahan proses pencairan pembiayaan


Unit Administrasi Pembiayaan juga memiliki fungsi penunjang


Unit yang menangani proses pencairan pembiayaan adalah Unit


Sejak tahun 2013, BNI Syariah melakukan pemisahan proses



Sentra Kas

Company Profile

Management Reports

Cash Center

Sentra Kas bertanggung jawab dalam mengelola kas seluruh

Cash Center is responsible in managing the cash of entire

Cabang pada level yang aman namun optimal, serta melakukan

Branches in a safe and optimum level, as well as monitoring

monitoring posisi kas cabang-cabang. Sentra Kas juga memfasilitasi

the cash posisition in branches. Cash Center also facilitates the

proses pendistribusian kelebihan persediaan kas (remise) dan

process of distributing cash inventory surplus (remise) and Cash

kekurangan persediaan kas (supply).

inventory shortage (supply).

Pengelolaan kegiatan remise dan supply di Sentra Kas bertujuan

The management of remise and supply activity in Cash Center is

untuk:

aimed for:

1.

1.

Mengoptimalkan pengelolaan kas cabang-cabang dalam pemenuhan kebutuhan uang nasabah.

2.

customer’s need on money.

Memelihara pagu kas cabang dalam level yang aman serta

2.

optimal, sehingga meminimalkan idle cash.

Operational and Business Review Management Discussion and Analysis

The result of improvement program due to the implementation of Cash Center namely:

1.

Jaminan ketersediaan uang di Sentra Kas untuk pemenuhan

1.

kebutuhan nasabah.

Guarantee of cash availability in Cash Center to meet the customer’s need.

2.

Adanya optimalisasi pengelolaan pagu kas cabang.

2.

Optimization of branch cash limit management.

3.

Peningkatan saldo Giro Direksi dari hasil remise Sentra Kas ke

3.

Increase in the balance of Board of Directors’ Current

bank lain yang dapat dimanfaatkan untuk pengembangan

Account as a result of remise in Cash Center to other bank

bisnis perusahaan.

which could be used for the development of company’s business.

Sentra Taksasi Appraisal Center

Sentra Taksasi merupakan unit yang berfungsi melakukan

Appraisal Center is an unit that has the function to appraise

penilaian agunan yang berpengaruh langsung terhadap plafon

the collateral which is directly affected the limit of financing

pemberian pembiayaan.

provision.

Untuk penyempurnaan proses bisnis dan dalam rangka

For the improvement of business processes and in order

peningkatan kualitas atas hasil penilaian agunan maka dilakukan

to improve the quality of collateral appraisal result, the

aktivitas-aktivitas sebagai berikut:

implemented activies are as follows:

1.

1.



Maintain the limit of branch cash in a safe and optimum level to minimize idle cash.

Hasil program penyempurnaan dengan adanya Sentra Kas yaitu:

Pada bulan April-Juni 2014, dilakukan peningkatan

Improve the competence through external training of

kompetensi melalui pelatihan-pelatihan eksternal penilaian

collateral appraisal using the standard of Indonesian Society

agunan dengan menggunakan standar Masyarakat Profesi

of Appraisers (MAPPI) so that the Appraisal Center Unit

Penilai Indonesia (MAPPI) sehingga Appraisal Center Unit

could develop collateral appraisal system and the similar

dapat mengembangkan sistem penilaian agunan yang

appraisal method of External Appraisers or Public Appraisal

berlaku dan metodenya sama dengan penilaian dari Penilai

Services (KJPP). This was carried out in April-June 2014 to

Eksternal atau Kantor Jasa Penilai Publik (KJPP). Hal ini

protect the interests of BNI Syariah in terms of collateral

dilakukan untuk melindungi kepentingan BNI Syariah dalam

appraisal.

hal penilaian agunan. 2.

Dalam rangka menjaga standar tingkat layanan dan kualitas

2.

penilaian agunan, Sentra Kas senantiasa menjaga rasio Auxiliary Information

To optimize the cash management of branches to meet the

appraisal service, Cash Center continued to maintain the

pegawai dibanding aplikasi per hari sebesar 1:5. 3.

In order to maintain a quality and standard level of collateral ratio of employees to application per day at 1:5.

Berkoordinasi dengan Divisi dan Cabang-cabang terkait

3.

Coordinated with the related Division and Branches by

dengan membuka alur proses banding atas proses penilaian

opening the appeal process on collateral appraisal process

agunan yang dilakukan oleh Appraisal Center Unit. Hal ini

conducted by Appraisal Center Unit. This is done to provide


121


2014 Performance


dilakukan untuk memberikan kesempatan pada Cabang

opportunities for the Branch to request the review of

untuk meminta review hasil penilaian agunan disertai dengan

collateral appraisal result complemented with supporting

4.

Peningkatan koordinasi dan harmonisasi dengan segenap

data of collateral object which will be financed. 4.

Improvement of coordination and harmonization with

Cabang dan divisi bisnis yang membawahi Cabang dalam hal

the entire Branches and business division which oversee

penilaian agunan seperti sosialisasi metode penilaian agunan,

the Branch in terms of collateral appraisal such as the

meeting internal dan pengembangan analisis price list.

socialization of collateral appraisal method, internal

Management Reports

data-data pendukung atas objek agunan yang akan dibiayai.

meeting, and development of price list analysis. 5.

Evaluasi atas proses penilaian yang dilakukan oleh Kantor

5.

Jasa Penilai Publik (KJPP) atau independent appraisal.

Evaluation on appraisal process conducted by Public Appraisal Services (KJPP) or independent appraisal.

The result of Business Process Development Program which is

Sentra Taksasi yaitu:

carried out in Appraisal Center is as follows:

1.

1.

Adanya peningkatan kualitas penilaian agunan dan persepsi yang sama atas hasil proses penilaian agunan.

2.

similar perception on the result of collateral appraisal process.

Adanya peningkatan penyamaan persepsi dan komunikasi

2.

yang berjalan baik antara cabang-cabang se-Jabodetabek

improvement of in-line perception and good communication between branches in Jabodetabek area and

dengan appraisal center.

appraisal center.

Adanya posisi Appraisal Center Head yang khusus menangani

3.

Position of Appraisal Center Head to particularly handles the

evaluasi Kantor Jasa Penilai Publik (KJPP), banding appraisal

evaluation of Public Appraisal Services (KJPP), appraisal appeal in

dari cabang, analisis price list developer dan pengembangan

branch office, analysis of price list developer and development

sistem evaluasi Kantor Jasa Penilai Publik (KJPP).

of Public Appraisal Services (KJPP) evaluation system.

4.

Terjaganya SLA atas proses penilaian agunan.

4.

Maintained the SLA of collateral appraisal process.

5.

Appraisal Center Unit memiliki database harga rumah di

5.

Appraisal Center Unit has database of house price in Jabodetabek area, thus the collateral appraisal risk could be

termitigasi.

more mitigated.

Sertifikasi yang dimiliki oleh BNI Syariah terkait kebijakan Sentra

Certifications regarding the policy of Appraisal Center owned by

Taksasi antara lain adalah:

BNI Syariah, among others, are as follows:

1.

Sertifikasi untuk Financing Administration Head (FAH) yang

1.

ada di cabang-cabang reguler.

Certification for Financing Administration Head (FAH) in regular branches.

Sertifikasi untuk penilai dan penyelia pada Appraisal Center Unit.

2.

Certification for appraiser and supervisor in Appraisal Center Unit.

3.

Pelatihan-pelatihan eksternal terkait penilaian agunan,

3.

External trainings regarding the assessment of collateral,

aspek legal dan proses pembiayaan komersial.

legal aspect and commercial financing process.

Sasaran Strategi Untuk Tahun 2015 1.

Strategy Target in 2015

Penambahan Appraisal Center di area luar Jabodetabek.

1.

Rencana penambahan appraisal center di area luar

Addition of Appraisal Center outside the area of Jabodetabek.

Jabodetabek merupakan strategi peningkatan kualitas

The plan of appraisal center addition outside the area of Jabodetabek is a strategy to improve the quality of

yang menjadi area monitoring Operational Division (OPD).

collateral appraisal outside Jabodetabek which becomes

Tentunya penentuan daerah Appraisal Center Unit di luar

the monitoring area of Operational Division (OPD). The

Jabodetabek melalui proses kajian yang mendalam dengan

process of determining the area of Appraisal Center Unit

melihat dari berbagai aspek dan sejalan dengan kebijakan

outside Jabodetabek was made based on a comprehensive

manajemen yang dicanangkan melalui “Strive for Quality”.

study by looking from several aspects and in line with the

Peningkatan kompetensi, keterampilan dan knowledge

2.

karyawan.


penilaian agunan di luar area Jabodetabek khususnya

management policy set in “Strive for Quality”. 2.


2.


area se-Jabodetabek sehingga risiko penilaian agunan lebih


3.

Improvement in the quality of collateral appraisal and the

Company Profile

Hasil Program Penyempurnaan Proses Bisnis yang dilakukan pada

Improvement of employee’s competence, skill, and knowledge.

Human resources is the most important asset for the

perusahaan sehingga untuk menjaga kesinambungan

company. Hence, the improvement of employee’s

perjalanan bisnis BNI Syariah maka diperlukan adanya

competence, skill, and knowledge through a measured

peningkatan kompetensi, keterampilan dan pengetahuan

and effective training program is required to maintain the

pegawai melalui program pelatihan yang terukur dan efektif.

continuity of BNI Syariah’s business growth.



Sumber daya manusia merupakan aset penting bagi



Peningkatan Kualitas Layanan Management Reports

Quality of Service Award

BNI Syariah menyadari bahwa kualitas layanan adalah hal yang

BNI Syariah realizes that the service quality is a significant thing

secara signifikan menunjang bisnis. Layanan dalam perbankan

to support business. Services in a modern banking is a must,

modern menjadi suatu keharusan, sehingga BNI Syariah

so that BNI Syariah will develop service culture as a part of

mengembangkan budaya layanan menjadi bagian dari budaya

company’s culture.

Company Profile

perusahaan. BNI Syariah telah menyusun beberapa strategi dalam upaya

In terms of improving services quality, BNI Syariah has developed

peningkatan layanan, antara lain:

several strategies as follows:

• Melakukan standarisasi layanan di seluruh outlet untuk

• Standardization of services in all outlets to increase customer

meningkatkan kepuasan nasabah.

satisfaction.

• Membuat sistem penilaian kualitas layanan yang jelas dan terukur yang meliputi kualitas layanan cabang maupun

measurable which covers the quality of branch’s services and

individual frontliner.

individual frontliner.


• Meningkatkan service skill dan product knowledge

• Improving service skill and product knowledge by providing

dengan memberikan pelatihan kepada frontliner beserta supervisornya secara berkesinambungan.

manner. • Establishing service pool of talent.

• Meningkatkan kemampuan supervisor dalam pengawasan

• Improving supervisors’ ability to monitor the implementation


pengembangan kompetensi bawahan.


training to the frontliner and supervisor in sustainable

• Membentuk service pool of talent. pelaksanaan standar layanan terhadap bawahan dan

of service standards to subordinates and subordinate competence development.

• Menyempurnakan proses penyelesaian komplain melalui sentralisasi penyelesaian aplikasi komplain nasabah.

• Improving settlement of complaints through centralization of customer complaints application settlement.

• Meningkatkan budaya layanan.

• Fostering a culture of service.

• Meningkatkan proses kerja pelaporan service quality.

• Improving the working process of reporting on service quality

• Memberikan apresiasi terhadap pencapaian peningkatan

• Providing an appreciation toward the achievement of

kualitas layanan dalam program tahunan berupa Apresiasi

improved quality of services in the annual program of Branch

Layanan Cabang (ALC).

Services Appreciation (ALC).

Sedangkan pada upaya untuk meningkatkan kepuasan nasabah,

In terms of improving customer satisfaction, BNI Syariah

BNI Syariah menjalin kerja sama dengan PT Bank Negara

cooperates with PT Bank Negara Indonesia (Persero) Tbk in the

Indonesia (Persero) Tbk:

following attempts:

•

Meningkatkan fungsi syariah channeling outlet yang mengacu pada Service Level Agreement (SLA).

•

Meningkatkan kerja sama dengan call center PT Bank

• Improving cooperation with call center of PT Bank Negara Indonesia (Persero) Tbk in meeting the needs of customers

kebutuhan nasabah yang disampaikan melalui telepon. Mengoptimalkan penggunaan electronic channel dalam

that is delivered by telephone. • Optimizing the use of electronic channel in transaction.

bertransaksi.


•

• Improving the function of syariah channeling outlet which refers to Service Level Agreement (SLA).

Negara Indonesia (Persero) Tbk dalam memenuhi Corporate Social Responsibility

• Creating service quality assessment system that is clear and


123


2014 Performance


Penghargaan Kualitas Layanan Quality of Service Award

Lembaga Survei Survey Institute

Excellence Service Experience Award

CCSL

2

The Best Customer Choice

Karim Consulting

3

Wow Service Excellent Monitoring Syariah regional Semarang, Yogyakarta, Surabaya Dharmawangsa, Bandung, Solo, dan Pekanbaru

Mark Plus

4

Bank Service Excellent Monitoring

MRI

Company Profile

1

Management Reports

Kategori Penghargaan Award Categories

No

Survei Kepuasan Nasabah Customer Satisfaction Survey

melakukan survei terkait persepsi nasabah mengenai layanan BNI

Syariah conducted a survey related to customers’ perception

Syariah. Survei internal ini menggambarkan nasabah merasakan

regarding BNI Syariah services. This internal survey illustrates

peningkatan layanan yang secara terus menerus dilakukan oleh

that the customers feel the continuous improvement in services

BNI Syariah. Hasil survei tersebut mendorong tim layanan BNI

conducted by BNI Syariah. The survey results encourage BNI

Syariah untuk terus melakukan continuous improvement dalam

Syariah service team to do continuous improvement in gaining

mendapatkan loyalitas nasabah. Hasil survey kepuasan nasabah

customer loyalty. The result of customer satisfaction survey

yang dilakukan kepada kurang lebih 800 responden adalah

conducted on 800 respondents more or less, are as follows:

sebagai berikut: Bagaimana menurut Anda mengenai produk BNI Syariah yang Anda gunakan saat ini? What do you think about the products of BNI Syariah?

Bagaimana menurut Anda mengenai layanan petugas BNI Syariah? What do you think about the services of BNI Syariah’s officer?

500 Jumlah Jawaban Total Answer

300

200

100

0

400 Good Corporate Governance

300 200 100 0

Buruk Poor

Sedang Fair

Baik Good

Sangat Baik Very Good

Sangat Buruk Very Poor

Buruk Poor

Sedang Fair

Baik Good

Sangat Baik Very Good

Dari mana Anda mengenal BNI Syariah? How do you know BNI Syariah? 300

Newspaper

250

Radio


Sangat Buruk Very Poor

Website/Internet/Social Network

200

TV 150

Branch Offices

100

Marketing Billboard/Brochure

50

Family/Relative

0 Upholding The Spirit of Hasanah


Jumlah Jawaban Total Answer

Jumlah Karyawan Total Employees

400


Coinciding with the 4th anniversary of BNI Syariah, BNI Operational and Business Review

Bertepatan dengan Milad BNI Syariah yang ke-4 , BNI Syariah

124

Management Reports

2014 Performance


Tahun Year

2011

Program Peningkatan Kualitas Layanan Service Quality Improvement Program Branch Service Monitoring

Meningkatkan perbaikan kualitas layanan khususnya aspek fisik layanan

Aspek Layanan Aspects of Sevice

Premises

Improving the quality of services, particularly in the physical aspects of services





Meningkatkan perbaikan kualitas layanan telepon

Upaya yang telah dilakukan Efforts

Pengecekan langsung ke setiap cabang khusus Jabodetabek terkait aspek fisik layanan (gedung, kenyamanan banking hall, toilet, ATM, peralatan banking hall)

Premises

Realisasi Program Realization

Melakukan rekrutmen dan pembinaan mahasiswa magang untuk melakukan survei layanan telepon seluruh KC/KCP/KK

People People

Improving phone service quality

Target Target

Penghargaan Award

Keseragaman aspek fisik layanan di setiap outlet BNI Syariah dan peningkatkan kualitas layanan telepon pada score 75

Excellence Service Experience Award 2011 BISNIS INDONESIA

Uniformity of the physical aspects of the service at any BNI Syariah outlet and enhancing the quality of telephone service on 75 scores

Excellence Service Experience Award 2011 BISNIS INDONESIA

Kampanye GREAT dengan menggunakan pin GREAT secara massal

Keseragaman aspek fisik layanan di setiap outlet BNI Syariah dan peningkatkan kualitas layanan telepon pada score 80

Socialize the campaign by using GREAT pin together

Uniformity of the physical aspect of services in every outlet of BNI Syariah and improving the quality of telephone services at the soce of 80

The Best Service Experience Award by MarkPlus untuk wilayah Surabaya Dharmawangsa dan Balikpapan

Suprising Visit Suprising Visit

Direct checking to every branches of services in Jabodetabek related to physical aspects (building, banking hall convenience, restrooms, ATMs, banking hall equipment)


Company Profile

Branch Service Monitoring

Tujuan Program Program Objectives

Mystery Call Mystery Call

Recruiting and training students interns to conduct surveys on telephone services through KC/KCP/KK 2012

GREAT (Greeting, Relationship, Empathy, Attention & Trust)

Branch Service Monitoring Branch Service Monitoring

Membangun budaya layanan pada frontliner Fostering the culture of service on the frontliner

Meningkatkan perbaikan kualitas layanan khususnya aspek fisik layanan dan standar layanan sikap frontliner dalam melayani nasabah Improving the quality of services particularly in the physical aspects and the standard of frontliner

Intangible/ Promotion Intangible/ Promotion

Premises Premises

Pembentukan dan launching nilai layanan “GREAT” Formation and launching value of services “GREAT”

Pengecekan langsung ke setiap cabang khusus Jabodetabek terkait aspek fisik layanan (gedung, kenyamanan banking hall, toilet, ATM, peralatan banking hall) dan standar layanan sikap (mengawali, selama dan mengakhiri layanan) dan pembaharuan kertas kerja


Suprising Visit Suprising Visit

The Best Service Experience Award by MarkPlus in Surabaya, Dharmawangsa and Balikpapan

125


2014 Performance





Target Target

Penghargaan Award

Peningkatan kualitas layanan cabang (aspek fisik dan non fisik) pada score 80 NON JABODETABEK dan 85 JABODETABEK, dan pencapaian peringkat 5 untuk survei BSEM MRI-Info Bank

Good Excellence Service Experience Award 2013 BISNIS INDONESIA

People

Improving phone service quality

Mystery Call



People

Company Profile

Direct checking to every branches of services in Jabodetabek related to physical aspects (building, banking hall convenience, restrooms, ATMs, banking hall equipment) and the standard attitude of services (at the beginning, during, and at the end of services) and the renewal of paperwork

services attitude in serving the customers

Meningkatkan perbaikan kualitas layanan telepon


Mystery Call

Sistem Penilaian Kualitas Layanan Cabang


People

Improving the quality of branch services on the physical and non-physical aspects

Memonitoring pelaksanaan standar layanan di KC/KCP/KK Monitoring the implementation of service standards in KC/KCP/KK

Premises dan People Premises and People

Membuat sistem penilaian kualitas penilaian yang jelas dan terukur untuk kualitas layanan cabang

Sistem penilaian kinerja kualitas layanan cabang 2013

Creating quality assessment system that is clear and measurable for the branch services quality

Branch service quality performance appraisal system in 2013

Pengecekan langsung ke setiap cabang khusus Jabodetabek terkait aspek fisik dan non fisik layanan oleh tim layanan dan merekrut /membina mahasiswa magang untuk menjadi mystery shopper dan pembaharuan kertas kerja

Internal Mystery Shopper



Direct checking to every particular branch in Jabodetabek related with the physical and non-physical aspects of services by the service

Internal Mystery Shopper

Improved quality of branch services (physical and nonphysical aspects) at the score of 80 in NON JABODETABEK and 85 in JABODETABEK, and achievement rating of 5 for the BSEM MRIInfo Bank Survey.

Good Excellence Service Experience Award 2013 BISNIS INDONESIA



People


Branch Quality Assessment Service System

Meningkatkan kualitas layanan cabang pada aspek fisik dan non fisik


Recruiting and training students interns to conduct surveys on telephone services through KC/KCP/KK 2013

Management Reports

Tahun Year

Program Peningkatan Kualitas Layanan Service Quality Improvement Program

126


Tahun Year




Meningkatkan kompetensi frontliner terhadap pelaksanaan standar layanan, produk, service, proses, kebijakan perusahaan prosedur kerja dan pengamanan transaksi Improving the frontline competence on the implementation of service standards, products, services, processes, work procedures company policies and transaction security



Target Target

Penghargaan Award

People People

Merekrut PKWT untuk melaksanakan survei kompetensi frontliner yang meliputi OM, Supervisor layanan, Teller, CS dan Satpam pada 49 KC/KCP/KK melalui telepon

Calling Test Calling Test

Net Promoter Customer Loyality Award 2013 Net Promoter Good SWA Magazine

Recruiting PWKT to carry out a frontliner competence survey which includes OM, Supervisor sevice, Teller, CS and Guard on 49 KC/KCP/KK by phone People People

Membuat materi sharing session secara berkala terkait produk, service, standar layanan, pelaksanaan pengamanan transaksi serta kebijakan perusahaan terkait operasional yang menjadi tanggung jawab frontliner

Net Promoter Customer Loyality Award 2013 Net Promoter Good Majalah SWA

Sharing Session Sharing Session

Creating a sharing session periodically related to product, service, service standard, implementation of transaction security and also companies policies regarding operational that is frontliner responsibility Meningkatkan perbaikan kualitas layanan telepon Improving phone service quality



team and recruiting/training intern students to become a mystery shopper and the renewal of the paperwork




Company Profile

Management Reports

2014 Performance


People People

Melakukan rekrutmen dan pembinaan mahasiswa magang untuk melakukan survei layanan telepon seluruh KC/KCP/KK Recruiting and training students interns to conduct surveys on



Bank Sevice Exellence Monitoring Peringkat 4 BUS by MRI-majalah INFO BANK Bank Sevice Exellence Monitoring

127


2014 Performance






Target Target

GREAT

Membangun semangat layanan

People People

Improving the passion of service

BPP Standar Layanan

Saleskit Online

People People

Creating the standard of services handbook

Improving branch quality of service on the physical and non-physical aspects Meningkatkan kualitas layanan dan knowledge frontliner

People People

Branch Quality Assessment Service System


People People

Improving the quality of branch services on the physical and non-physical aspects

Memonitoring pelaksanaan standar layanan di KC/KCP/KK

Creating quality assessment system that is clear and measurable for the branch services quality and individual frontliner People People

Merekrut dan membina mahasiswa magang pada semester 1 untuk melakukan pengecekan langsung ke setiap cabang seluruh KC/KCP/KK terkait aspek fisik dan non fisik layanan dan menggunakan jasa vendor pada semester 2 serta pembaharuan kertas kerja


Saleskit Online Saleskit Online

Sistem penilaian kinerja kualitas layanan cabang 2014 Branch service quality performance appraisal system in 2014

Internal Mystery Shopper Internal Mystery Shopper

Peningkatan kualitas layanan cabang (aspek fisik dan non fisik) pada score 85 NON JABODETABEK dan 90 JABODETABEK, dan pencapaian peringkat 4 untuk survei BSEM MRI-Info Bank Improved quality of branch services (physical and nonphysical aspects) at the score of 85 in NON JABODETABEK and 90 in JABODETABEK, and achievement rating of 4 for the BSEM MRIInfo Bank survey.

Excellence Service Experience Award 2014 BISNIS INDONESIA Excellence Service Experience Award 2014 BISNIS INDONESIA


Monitoring the implementation of service standards in KC/KCP/KK

Membuat sistem penilaian kualitas penilaian yang jelas dan terukur baik kualitas layanan cabang maupun individual frontliner

CPP Standard service




BPP Standar Layanan


Sistem Penilaian Kualitas Layanan Cabang

Pembuatan saleskit online yang mengikuti kertas kerja/alur kerja Creating saleskit online which follows the paperwork/workflow

Improving the quality of service and frontliner knowledge 2014

Pembuatan Buku pedoman standar layanan

Batik uniform FL


Saleskit Online

Procurement and replacement of FL uniform

Seragam Batik FL


CPP Standard Service


Pengadaan dan Penggantian Seragam FL

Company Profile

4th place BUS by MRI- INFO BANK magazine

telephone services through KC/KCP/KK GREAT

Penghargaan Award

Management Reports

Tahun Year


128


Tahun Year




Operational and Business Review Management Discussion and Analysis Good Corporate Governance

Meningkatkan kompetensi frontliner terhadap pelaksanaan standar layanan, produk, service, proses, kebijakan perusahaan prosedur kerja dan pengamanan transaksi Improving the frontline competence on the implementation of service standards, products, services, processes, work procedures company policies and transaction security

People People


Merekrut pihak eksternal Calling Test independent untuk Calling Test melaksanakan survei kompetensi frontliner yang meliputi OM, Supervisor layanan, Teller, CS dan Satpam pada 49 KC/KCP/KK melalui telepon Recruiting external party to carry out a frontliner competence survey which includes OM, Supervisor sevice, Teller, CS and Guard on 49 KC/KCP/KK by phone

People People

Membuat materi sharing session secara berkala terkait produk, service, standar layanan, pelaksanaan pengamanan transaksi serta kebijakan perusahaan terkait operasional yang menjadi tanggung jawab frontliner

Sharing Session Sharing Session

Target Target

Penghargaan Award

Meningkatkan perbaikan kualitas layanan telepon Improving phone service quality

People People



The Best Customer Choice peringkat 2 by Karim Consulting 2014 The Best Customer Choice 2nd place by Karim Consulting 2014

Wow Service Excellent Monitoring Syariah regional Semarang, Yogyakarta, Surabaya Dharmawangsa dan Bandung Wow Service Excellent Monitoring Syariah regional Semarang, Yogyakarta, Surabaya Dharmawangsa and Bandung

Creating a sharing session periodically related to product, service, service standard, implementation of transaction security and also companies policies regarding operational that is frontliner responsibility



Recruiting and training 1st semester student intern to check directly to every branch throughout KC/KCP/KK related to physical and non-physical aspects and use the services of a vendor in 2nd semester and also the renewal of paperwork

Company Profile

Management Reports

2014 Performance



Bank Service Excellent Monitoring peringkat 6 kategori BUS

129


2014 Performance






People People


Penilaian kualitas layanan seluruh cabang Assessment of quality of service throughout the branches

Training Service Excellence

People People

Pelaksanaan training service excellence bagi frontliner di 6 wilayah 49 cabang dengan menggunakan jasa vendor Training service excellence for the frontliner in 6 areas 49 branches using the service of a vendor



Improving the competence of frontliner on the implementation of standard of services, products, services, processes, work procedures company policies and transaction security



Meningkatkan kompetensi frontliner terhadap pelaksanaan standar layanan, produk, service, proses, kebijakan perusahaan prosedur kerja dan pengamanan transaksi




Providing a service award to branch service team by choosing three branches with the best service nationally based on 2nd semester assessment in 2013 and 1st semester in 2014 and provide service awarding experience in BNI Syariah anniversary


Memberikan penghargaan layanan kepada tim layanan cabang dengan melakukan pemilihan 3 cabang dengan layanan terbaik secara nasional berdasarkan penilaian semester 2 tahun 2013 dan semester 1 tahun 2014 dan memberikan service awarding experience pada saat Milad BNI Syariah

Bank Service Excellent Monitoring 6th place in the category BUS by MRI Info Bank

Company Profile

Branch Services Appreciation

Membangun budaya layanan

Penghargaan Award

by MRI - Info Bank

Recruiting and training students interns to conduct surveys on telephone services through KC/KCP/KK Apresiasi Layanan Cabang

Target Target

Management Reports

Tahun Year



130

Management Reports

2014 Performance


Tahun Year



Management Discussion and Analysis Good Corporate Governance

Customer - ready to Serve

Membentuk service talent of pool

Customer - ready to Serve

Creating service talent of pool

Supervisor Movement

Meningkatkan kemampuan supervisor dalam pengawasan pelaksanaan standar layanan terhadap bawahan dan pengembangan kompetensi bawahan


Supervisor Movement


Meningkatkan kompetensi frontliner terhadap pelaksanaan standar layanan, produk, service, proses, kebijakan perusahaan prosedur kerja dan pengamanan transaksi


People People


Pelaksanaan training service excellence bagi frontliner di 6 wilayah 49 cabang bekerja sama dengan pihak eksternal Training service excellence for the frontliner in 6 areas 49 branches in cooperation with external party


Training Service Excellence Training Service Excellence

Improving the frontline competence on the implementation of service standards, products, services, processes, work procedures company policies and transaction security


Company Profile



People People

Perekrutan dan pelaksanaan pelatihan yang bersifat workshop dengan peserta asisten kantor pusat Recruitment and implementation of training like workshop with head office assistant as the participants

Improving supervisor ability to supervise the implementation of service standards to subordinates and subordinate competence development

People People

Merekrut dan membina mahasiswa magang melakukan survei telepon, mystery shopper dan dilakukan coaching, revitalisasi oleh tim layanan Recruiting and training student interns to carry out telephone surveys, mystery shopper and choaching and revitalization by the service team


Customer - ready to Serve Customer - ready to Serve

Supervisor Movement Supervisor Movement

Target Target

Penghargaan Award

131


2014 Performance


Saleskit Online

Automation of Service Report

Automation of Handling Complain

Meningkatkan kualitas layanan dan knowledge frontliner terhadap produk/service

Memperbaharui content saleskit dan menyesuaikan dengan kebutuhan nasabah serta OJK

Improving the quality of service and frontliner knowledge on product/service

Renewing the saleskit content and adjusting to the needs of clients and the OJK

Meningkatkan proses kerja pelaporan service quality

Pembuatan Integrated Banking System Application (IBSA)

Process Process

Pembuatan Handling Complaint System Application (HCSA)

Process Process

Creating Handling Complaint System Application (HCSA)

Improving the working process of complaint settlement

Saleskit Online

Penghargaan Award

IBSA Saleskit Online

Handling Complaint System Application Handling Complaint System Application

Intangible/ Promotion

Menggunakan jasa pihak ketiga

GREAT Hasanah



Using the services from a third party





People


Standar Grooming


Standar Grooming

Jingle GREAT Jingle GREAT

Video GREAT Video GREAT


Membangun budaya layanan


GREAT Hasanah

People

Target Target

Saleskit Online

Creating Integrated Banking System Application (IBSA)

Improving the working process of reporting the service quality Meningkatkan proses kerja penyelesaian komplain



Otomasi Handling Complaint



Otomasi Service Report


Company Profile

Saleskit Online


Management Reports

Tahun Year






2011

2012-2013

Premises IMPROVEMENT

People Improvement, Appearance, Attitude and Skill






Company Profile

Management Reports

Tahapan Menuju Layanan yang Berkualitas Stages toward Quality Service


133


2014 Performance


Management Reports

People, Attitude and Skill

Process Improvement, Skill and Create Business

Service, Technology, Retention, Advisor & Friend


Here in BNI Syariah, we gradually build quality service through a well-thought and sustainable strategy.


Di BNI Syariah, kami membangun layanan berkualitas secara bertahap didukung dengan strategi yang matang dan berkelanjutan.


2016-2017


2014-2015

Company Profile

2013



134


Manajemen Aktiva Tetap dan Pengadaan Barang dan Jasa Fixed Asset Management and Procurement of Goods and Services Sejalan dengan pertumbuhan bisnis dan perluasan jaringan

In accordance with business growth and network expansion, BNI

kerja, BNI Syariah berupaya menjawab tantangan tersebut

Syariah attempts to keep up with the challenge by managing

dengan mengelola aktiva tetap secara efisien dan sistematis serta

fixed assets efficiently and systematically and to ensure the

memastikan terpenuhinya kebutuhan masing-masing unit kerja

fulfillment of each unit needs through the procurement of goods

melalui pengadaan barang dan jasa yang efektif, efisien serta

and services that are effective, efficient, and accountable.

akuntabel. Dalam mengelola aktiva tetap dan pengadaan barang dan jasa,

In managing the fixed assets and the procurement of goods and

BNI Syariah tetap mempertahankan kaidah Good Corporate

services, BNI Syariah preserves the Good Corporate Governace

Governace (GCG) dengan didukung aplikasi teknologi yang

(GCG) principle supported by the application of appropriate

memadai. Dengan proses pengelolaan dan pengadaan yang

technology. With faster, more flexible, effective, efficient and

lebih cepat, fleksibel, efektif, efisien serta akuntabel maka

accountable management and procurement process, it is

diharapkan dapat menghindarkan perusahaan dari kehilangan

expected to prevent the company from losing the business

momentum pertumbuhan bisnis.

growth momentum.

Sementara itu, dalam rangka mewujudkan pemenuhan

Meanwhile, in order to actualize the fulfilment of fixed assets

kebutuhan aktiva tetap dan logistik yang optimal, maka

and optimal logistics, the unit that performs the function of

unit kerja yang melakukan fungsi manajemen aktiva tetap

fixed asset management and logistics and procurement always

dan logistik serta pengadaan barang, senantiasa melakukan

coordinates optimally with work planning unit or demand for

koordinasi secara maksimal dengan unit kerja perencanaan atau

logistic supported by adequate information technology.

permintaan kebutuhan logistik dengan didukung oleh sarana teknologi informasi yang memadai.

Pengembangan Sistem Aplikasi Pengelolaan Manajemen Aktiva Tetap dan Pengadaan Barang dan Jasa Marketing Communication Awards Development of Application System of Fixed Assets Management and Goods and Services Procurement Dalam rangka mengoptimalkan fungsi pengelolaan aktiva

In order to optimize the function of fixed asset management

tetap dan pengadaan barang dan jasa, maka di tahun 2015

and procurement of goods and services, in 2015 BNI Syariah

BNI Syariah juga mengembangkan suatu sistem e-procurement

also develops an e-procurement system so that the fulfilment of

agar pemenuhan barang dan jasa dapat dilakukan secara lebih

goods and services can be performed optimally, fast, effectively

optimal, cepat, efektif dan efisien.

and efficiently.

Aplikasi yang akan dikembangkan untuk memastikan

The application will be developed to ensure an accountable,

manajemen aktiva tetap dan pengadaan barang dan jasa

accurate, effective and efficient management of fixed assets

berjalan akuntabel, akurat, efektif dan efisien mulai dari

and procurement of goods and services from distribution, the

distribusi, pengakuan aset, asuransi, pajak sampai dengan

recognition of assets, insurance, taxes, up to the release of these

pelepasan aset tersebut.

assets.






Company Profile

Management Reports

2014 Performance



135


2014 Performance


Sistem aplikasi tersebut antara lain adalah sebagai berikut:

The application system include the following: 1. Barcode system

Sistem ini berfungsi untuk memudahkan mengetahui keberadaan, umur ekonomis, serta daftar aset yang dimiliki

This system serves to facilitate in determining the existence, economic lives, as well as the list of assets owned by BNI

BNI Syariah

Syariah.

2. Sistem E-Procurement

2. E-Procurement system

Sistem ini berfungsi untuk melakukan proses pengadaan secara terkomputerisasi.

This system serves to make a computerized procurement process.

3. Sistem E-Partnerlist

3. E-Partnerlist system

Sistem ini berfungsi untuk memudahkan dan mengenali

This system serves to facilitate and recognize the list of partners of BNI Syariah.

4. Sistem E-Auction

4. E-Auction system

Sistem ini digunakan sebagai alat seleksi harga terbaik secara

This system is used as a computerized selection tool for the

komputerisasi dalam melakukan pengadaan, baik melalui

best price in procuring, either through direct elections or the

pemilihan langsung maupun lelang.

auction.

Strategic Plan for Fixed Asset Management and Procurement of Goods and Services

To support the fixed asset management and procurement of

dan pengadaan barang dan jasa untuk kelancaran kegiatan

goods and services for the continuity of operations, in 2015 BNI

operasional, di tahun 2015 BNI Syariah telah menyusun

Syariah has developed several strategic plans that include:

beberapa rencana strategis yang mencakup: 1. Optimalisasi aset;

1. Asset optimization;

2. Percepatan layanan pengadaan barang dan jasa;

2. Acceleration of services procurement services;

3. Pengembangan sistem pengadaan barang dan jasa yang

3. Development of procurement of goods and services that are accurate, effective and efficient;

4. Peningkatan kualitas barang dan jasa;

4. Improving the quality of goods and services;

5. Optimalisasi organisasi dan proses bisnis serta penyesuaian

5. Optimalization of the organization and business process and logistical policy adjustments.


akurat, efektif dan efisien;


Dalam mendukung pengelolaan manajemen aktiva tetap


Rencana Strategis Manajemen Aktiva Tetap dan Pengadaan Barang dan Jasa

Company Profile

daftar rekanan BNI Syariah.

kebijakan kelogistikan.

Management Reports

1. Sistem Barcode



Information Technology

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