Analisis Peran dan Fungsi Bank BNI dalam Meningkatkan Perekonomian Masyarakat dengan Menerapkan Sistem Kredit

Authors

DOI:

https://doi.org/10.35870/jemsi.v11i1.3492

Keywords:

BNI Bank, Credit System, Community Economy

Abstract

This study analyzes the role and function of Bank BNI in improving the community's economy through a credit system. With a qualitative approach based on interviews, this study aims to explain Bank BNI's contribution to economic growth, especially in rural areas. The results show that Bank BNI plays an important role as a financial intermediary by channeling credit to support small and medium enterprises (SMEs). However, obstacles such as geographical distance and lack of public understanding of the credit process are challenges in the effectiveness of distribution. To overcome this, it is recommended that there be public education, improved service quality, and digital banking innovation. This study concludes that effective credit distribution has a significant impact on economic stability. Suggestions are aimed at improving customer service and community empowerment programs to maximize the benefits of the credit provided. These efforts are important to support sustainable economic growth, especially in areas that are still lagging behind.

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Author Biographies

  • Gracentya R. A Faku Liu, Universitas Katolik Widya Mandira

    Program Studi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Katolik Widya Mandira, Jln. Jend Achmad Yani No. 50-52 Merdeka, Lama City, Kupang City, East Nusa Tenggara 85211, Indonesia.

  • Aqualina Wea, Universitas Katolik Widya Mandira

    Program Studi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Katolik Widya Mandira, Jln. Jend Achmad Yani No. 50-52 Merdeka, Lama City, Kupang City, East Nusa Tenggara 85211, Indonesia.

  • Melkianus Nedi Kabba, Universitas Katolik Widya Mandira

    Program Studi Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Katolik Widya Mandira, Jln. Jend Achmad Yani No. 50-52 Merdeka, Lama City, Kupang City, East Nusa Tenggara 85211, Indonesia.

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Published

2025-02-01

Issue

Vol. 11 No. 1 (2025): Februari 2025

Section

Articles

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How to Cite

Liu, G. R. A. F., Wea, A., & Kabba, M. N. (2025). Analisis Peran dan Fungsi Bank BNI dalam Meningkatkan Perekonomian Masyarakat dengan Menerapkan Sistem Kredit. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 11(1), 120-128. https://doi.org/10.35870/jemsi.v11i1.3492