DIGITIZATION OF HOME OWNERSHIP CREDIT APPLICATION PROCEDURES AT BANK MANDIRI PURWOKERTO AREA THROUGH CONSUMER LOAN UNIT

Abstract

Abstract

Digitizing the procedure for applying for Home Ownership Loans (HOL) at Bank Mandiri Purwokerto Area has become one of the strategic steps in improving the efficiency, speed, and accuracy of the banking service process. Along with the development of information technology, Bank Mandiri Purwokerto Area implements a digital system to make it easier for customers to apply for mortgages in a more transparent and integrated manner. The submission procedure, which previously relied on manual processes and physical documents, has now shifted to a digital-based system that allows for automatic data verification, online form filling, and real-time monitoring of application status. This study aims to analyze the impact of digitalization on the mortgage application process at Bank Mandiri Purwokerto Area, by highlighting aspects of time efficiency, ease of access for customers, and increased data accuracy. The methods used in this study include direct work practices, observations, field studies in several areas, interviews with related employees and analysis of the system applied. The results of the study show that digitizing the mortgage application procedure not only speeds up the process, but also increases customer satisfaction levels and reduces the risk of administrative errors. However, challenges such as the limitations of digital literacy among some customers need further attention. In conclusion, digitalization makes a positive contribution to the quality of banking services, but it needs to be balanced with digital education to maximize the benefits of this system.

Keywords: Digitalization, Home Ownership Credit, Information System, Bank Mandiri.