STUDI DEKSRIPTIF KUALITATIF TENTANG PENGALAMAN BANK PERKREDITAN RAKYAT DALAM MENGADOPSI TEKNOLOGI INFORMASI & KOMUNIKASI (TIK)
Abstract
This study investigated the role of ICTs in the operational management of Rural Bank (BPR) using a qualitative descriptive research design, involving the interview of operational staffs of four selected BPR in Bandung City. Findings revealed that ICTs have indeed contributed a lot in improving the functioning of all departments of the BPR as marketing, operations, finance customer services, etc. The benefits gained by the various banks after the implementation of ICTs include better online and offline support for their customers, increasing in saving, reduction of queues in the banking halls, and very interactive websites. There are however, many departments and other functional areas where ICTs have not been fully utilized. Moreover, many BPR have not fully adopted and applied ICT to all functional areas. The study recommends that these can be resolved through proper training, i.e. the provision of ICT related training to staff with respect to the operational management of the BPR as well as exploration of the importance of the recruitment of external consultants who are specialized in their respective fields to render solid supports.References
Agarwal, R., Rastogi, S., & Mehrotra, A. (2009). Customers' perspectives regarding e-banking in an emerging economy. Journal of Retailing and Consumer Services, 16(5), 340-351.
Agwu, E., & Murray, P. J. (2014, March). Drivers and Inhibitors to E-Commerce Adoption Among SMEs in Nigeria. Journal of Emerging Trends in Computing and Information Sciences, 5(3), 192-199.
Bryman, A., & Bell, E. (2011). Business Research Methods (3rd ed.). Oxford: University Press.
Chen, L.-d., Gillenson, M. L., & Sherrell, D. L. (2002). Enticing Online Consumers: An Extended Technology Acceptance Perspective. Information and Management, 39(8), 605-719.
Crocker, R. A. (2009). An introduction to qualititative research. In R. A. Crocker, J. Heigham, & R. A. Crocker (Eds.), Qualitative research in applied Linguistic: A practical introduction (1st ed., pp. 3-24). Hampshire: Palgrave Macmillan.
Elliott, R., & Timulak, L. (2015). Descriptive and interpretive approaches to qualitative research. In J. Miles, & P. Gilbert, A handbook of research methods for clinical and health psychology (p. 147). Oxford University Press.
Floros, C. (2008). Internet banking websites performance in Greece. Journal of Internet Banking & Commerce, 13(3).
Gill, C. (2008). Restoring consumer confidence in financial services. International Journal of Bank Marketing, 26(2), 148-52.
Gupta, P. (2017). Banking Disrupted. https://www.dbs.com/newsroom/influencer/default.page.
ITU. (2017). ICT Development Index 2017. Retrieved from www.itu.int: http://www.itu.int/net4/ITU-D/idi/2017/
Kamel, S. (2006). Electronic business in developing countries : Opportunities and challenges. Hershey: Idea Group.
Kolodinsky, J., Hogarth, J. M., & Shue, J. F. (200). Bricks or Clicks? Consumers: Adoption of Electronic Banking Technologies. Consumer Interests Annual, 46, Available online at http://www.consumerinterests.org/files/public/bricks.PDF, (Diakses pada tgl 23 Mei 2018).
Kontan. (2017, JUli 10). Aset BPR naik 10% di April 2017. http://keuangan.kontan.co.id.
Laukkanen, T. (2007). Internet versus Mobile Banking: Comparing consumer value perceptions. Business Process Management Journal, 13(6), 788-797.
Law, J. (2009). Oxford Dictionary of Business and Management. Dictionary, 5th. Oxford: Oxford University Press.
Merriam, S. B., & Tisdell, E. J. (2016). QUALITATIVE RESEARCH: A Guide to Design and Implementation (fourth ed.). San Francisco: Jossey-Bass.
Neergaard, M., Olesen, F., Andersen, R., & Sondergaard, J. (2009). Qualititative description-The poor cousin of health research. BMC Medical Research Methodology, 9(52).
Prastowo, Y. (2018). Masa Depan Industri Keuangan, Perbankan dan Telekomunikasi di Era Ekonomi Digital 2018. Seminar Ekonomi dan Bisnis IKA UNPAD. Bandung.
Laurila, J., & Preece, D. (2003). Technological Change and Organizational Action. London: Routledge .
Sandelowski, M. (2010). What's in a name? Qualititative description revisited. Research in Nursing & Health, 33, 77-84.
Sandelowski, M. (2000). Whatever happened to qualitative description? Research in Nursing in Health, 23, 334-340.
Savin-Baden, M., & Major, C. H. (2013). Qualitative Research: The essential guide to theory and practice. Routledge.
Schreier, M. (2012). Qualitative content analysis in practice. CA: Sage.
Suardi, W. (2017, September). Catatan kecil mengenai desain deskriptif kualitatif (QD). Ekubis, 2(1), 1-10.
Teng, A. (2018, May Saturday). Banking leaders sound dire warning: Transform or die. https://www.todayonline.com.
Vaismoradi, M., Turunen, H., & Bondas, T. (2013). Content analysis and thematic analysis: Implications for conducting a qualitative descriptive study. Nursing and Health Sciences, 15, 398-405.
White, D. (2017). Can banks be a threat to big tech? https://www.bbva.com/en/can-banks-be-threat-big-tech/.
Yeandle, M. (2017). The Global Financial Centres Index 21. Financial Future
Yin, R. K. (2011). Qualitative research from start to finish. London: The Guilford Press.
