| dc.description.abstract | This internship thesis explores the Agen46 mechanism and improvement in Bank Negara
Indonesia (BNI) KC UGM Yogyakarta and the potential for its further development through the
integration of new technology. Agen46 is a business unit mechanism that enables third-party agents to
provide banking services to customers on behalf of the bank. The objective of this study is to analyze
the current state of the Agen46 mechanism, identify potential challenges and opportunities, and propose
strategies for improvement.
To achieve this objective, thisresearch employs qualitative method including interview with BNI
officials and Agen46 agents, as well as observation of the Agen46 process in action. The study found
that the Agen46 mechanism has been successful in expanding BNI's reach and increasing its customer
base, particularly in rural areas where traditional banking services are not readily available. To address
these challenges, the study proposes several strategies for improvement, including the adoption of new
technology such as an Electronic Data Capture (EDC) end the establishment of stronger partnerships
with local potential businesses. These strategies aim to enhance the efficiency and effectiveness of the
Agen46 mechanism, improve customer satisfaction, and increase profitability for both BNI and its
Agen46 agents.
The study also highlights the potential for cooperation agreements between BNI and potential
stores to activate Agen46 in more locations, as well as the development of a loyalty program to
incentivize Agen46 agents to increase their performance and expand the reach of the mechanism. These
proposals aim to address the challenges faced by the Agen46 mechanism and position it for sustainable
growth and success in the future. | en_US |
