Cashless Implementation Strategy for Mekaar Product Financing Disbursement (Case Study at PT PNM Lampung Branch)

Abstract

This study was conducted to determine the effectiveness and optimization of cashless implementation in financing disbursement as a company's business strategy to realize the main objective in an effort to achieve the vision and carry out the company's mission. This study aims to identify, analyze, and evaluate the implementation of cashless, especially at PT PNM Lampung Branch, as well as to understand how the process, obstacles and benefits of cashless implementation that have been running, and the optimization that has been carried out at PT PNM Lampung Branch. The results of the study indicate that PT PNM Lampung Branch has implemented cashless in the disbursement of Mekaar product financing which has been running 100%. This success is supported by the active role and good coordination of the entire branch team, as well as strict monitoring also carried out by PT. PNM Lampung Branch. Although the implementation went smoothly overall, several obstacles and challenges were still faced, especially in responding to the unpreparedness of some customers for cashless disbursement. PT PNM Lampung Branch's optimization efforts have made various efforts which are proven by the optimization that has been running, the implementation of cashless disbursement has run smoothly overall