Rizka Widyaningtias, . (2025) EFEKTIVITAS CUSTOMER SEGMENTATION DALAM MITIGASI RISIKO PEMBIAYAAN RAHN DI PT PEGADAIAN MELALUI PENDEKATAN SWOT. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Rahn is a financing product that forms the backbone of PT Pegadaian. The Rahn product is PT Pegadaian's sharia financing product with the largest number of customers and a high outstanding loan balance. However, behind this growth, there still a high number of collateral items that end up in the auction process, indicating a financing risk due to the customer's failure to fulfill their repayment obligations. This shows there are still disloyal customers who pose a high risk. This condition necessitates a more effective risk mitigation strategy, one of which is through the application of customer segmentation. This study aims to analyze the effectiveness of applying customer segmentation in mitigating rahn financing risks, as well as to identify internal and external factors that influence the system using the SWOT approach. The research method applied is qualitative. The results show that risk mitigation of Rahn financing through customer segmentation at PT Pegadaian is quite effective with score 3,8 of 4. This program improves the accuracy of risk assessment by utilizing the RFM method that the LTV determination process becomes more objective and minimizes subjectivity. Coordination between divisions is running well in maintaining data quality, developing rating models, and conducting periodic evaluations.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Uncontrolled Keywords: | Customer Segmentation, Rahn, Risk Mitigation, SWOT. |
| Subjects: | L Education > L Education (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Ekonomi Syariah (S1) |
| Depositing User: | RIZKA WIDYANINGTIAS |
| Date Deposited: | 31 Mar 2026 02:10 |
| Last Modified: | 31 Mar 2026 02:10 |
| URI: | http://repository.upnvj.ac.id/id/eprint/41594 |
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