Zahwa Syafifa Maulidia, . (2026) ANALISIS PERAN SISTEM PAYROLL DALAM MENDUKUNG PENYALURAN KREDIT BRIGUNA KARYA PADA PT BANK RAKYAT INDONESIA (PERSERO) TBK. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
The payroll system has evolved into a vital component of the banking ecosystem, functioning not only as a salary administration tool but also as the primary channel for distributing unsecured consumer credit. PT Bank Rakyat Indonesia (Persero) Tbk. establishes payroll partnership as the fundamental prerequisite for disbursing BRIGuna Karya credit to permanent employees of partner companies and institutions. This final project aims to describe the credit disbursement process, payroll system implementation, its development, and its contribution to supporting BRIGuna Karya credit distribution. Data were collected through direct observation, interviews with the Unsecured Loan Department, and literature review using a descriptive qualitative approach. The results indicate that BRIGuna Karya credit disbursement runs through nine mutually supportive stages, with the payroll system serving as the primary gateway for credit access as well as an automatic installment deduction mechanism from the salary account. The number of payroll partners grew steadily throughout 2021–2025, accompanied by stricter partner screening as a response to fictitious credit risks that previously caused significant financial losses to the bank. It is concluded that the payroll system effectively serves as a strategic instrument in ensuring the quality and sustainability of BRIGuna Karya credit disbursement. Strengthened education for partners and guidance on the use of QLola by BRI are needed to optimize payroll cooperation.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101035] [Pembimbing: Yoko Tristiarto] [Ketua Penguji: Subur] [Penguji 1: Tri Siswantini] |
| Uncontrolled Keywords: | Payroll System, BRIGuna Karya Credit, Bank Rakyat Indonesia |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | ZAHWA SYAFIFA MAULIDIA |
| Date Deposited: | 20 Jul 2026 12:03 |
| Last Modified: | 20 Jul 2026 12:03 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50864 |
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