{"id":1908,"date":"2020-01-15T08:23:05","date_gmt":"2020-01-15T01:23:05","guid":{"rendered":"http:\/\/bbs.binus.ac.id\/management\/?p=1908"},"modified":"2020-01-15T13:20:43","modified_gmt":"2020-01-15T06:20:43","slug":"penutupan-kantor-cabang-bank-di-indonesia","status":"publish","type":"post","link":"https:\/\/bbs.binus.ac.id\/management\/2020\/01\/penutupan-kantor-cabang-bank-di-indonesia\/","title":{"rendered":"Penutupan Kantor Cabang Bank di Indonesia"},"content":{"rendered":"

<\/b>Bank\u00a0<\/span>merupakan<\/span>\u00a0salah\u00a0<\/span>satu<\/span>\u00a0a<\/span>spek<\/span>\u00a0<\/span>penting<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>kehidupan<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>karena<\/span>\u00a0bank\u00a0<\/span>berperan<\/span>\u00a0<\/span>penting<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>menggerakkan<\/span>\u00a0<\/span>roda<\/span>\u00a0<\/span>perekonomian<\/span>.\u00a0<\/span>Untuk<\/span>\u00a0<\/span>menjangkau<\/span>\u00a0<\/span>masyarakat<\/span>, bank\u00a0<\/span>melakukan<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>cara<\/span>, salah <\/span>satunya<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>membuka<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>.\u00a0<\/span>Namun<\/span>,\u00a0<\/span>s<\/span>eiring<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>berk<\/span>embangnya<\/span>\u00a0zaman<\/span>, bank-bank di Indonesia\u00a0<\/span>mulai<\/span>\u00a0<\/span>mengubah<\/span>\u00a0<\/span>pola<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>menjalankan<\/span>\u00a0<\/span>kegiatan<\/span>\u00a0<\/span>operasionalnya<\/span>, <\/span>salah\u00a0<\/span>satunya<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>terkait<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>masalah<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>tersebut<\/span>.<\/span>\u00a0<\/span>Jika<\/span>\u00a0<\/span>dulu<\/span>\u00a0<\/span>banyak<\/span>\u00a0bank yang\u00a0<\/span>berlomba-lomba<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>memperluas<\/span>\u00a0<\/span>jangkauannya<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>cara<\/span>\u00a0<\/span>membuka<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>,\u00a0<\/span>kini<\/span>\u00a0<\/span>kondisinya<\/span>\u00a0<\/span>malah<\/span>\u00a0<\/span>berbalik<\/span>.\u00a0<\/span>Akhir-akhir<\/span>\u00a0<\/span>ini<\/span>, bank-bank di\u00a0<\/span>beberapa<\/span>\u00a0<\/span>daerah<\/span>\u00a0<\/span>mulai<\/span>\u00a0<\/span>satu<\/span>\u00a0per\u00a0<\/span>satu<\/span>\u00a0<\/span>menutup<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabangnya<\/span>,\u00a0<\/span>terutama<\/span>di<\/span>\u00a0<\/span>\u00a0<\/span>daerah<\/span>\u00a0<\/span>kota<\/span>-kota<\/span>\u00a0<\/span>besar<\/span>\u00a0di Indonesia.<\/span>\u00a0<\/span><\/p>\n

Penyebab<\/span>\u00a0<\/span>utama<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>penutupan<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>digitalisasi<\/span>.<\/span>\u00a0<\/span>Digitalisasi<\/span>\u00a0<\/span>sendiri<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>perubahan<\/span>\u00a0<\/span>budaya<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0yang\u00a0<\/span>awalnya<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>alat<\/span>\u00a0<\/span>konvensional<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>melaksanakan<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>jenis<\/span>\u00a0<\/span>aktivitas<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>lebih<\/span>\u00a0modern\u00a0<\/span>dengan<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>teknologi<\/span>.\u00a0<\/span>Digitalisasi<\/span>\u00a0<\/span>sudah<\/span>\u00a0<\/span>memengaruhi<\/span>\u00a0<\/span>kehidupan<\/span>\u00a0<\/span>sosial<\/span>\u00a0dan\u00a0<\/span>perilaku<\/span>\u00a0<\/span>masyarakat<\/span>,\u00a0<\/span>terutama<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>bertransaksi<\/span>.\u00a0<\/span>Menurut<\/span>\u00a0<\/span>Presiden<\/span>\u00a0<\/span>Direktur<\/span>\u00a0Bank OCBC NISP,\u00a0<\/span>Parwati<\/span>\u00a0<\/span>Surjaudaja<\/span>,\u00a0<\/span>kini<\/span>\u00a080\u00a0<\/span>persen<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>sudah<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>ponsel<\/span>.\u00a0<\/span>Hal\u00a0<\/span>tersebut<\/span>\u00a0<\/span>sangat<\/span>\u00a0<\/span>wajar<\/span>\u00a0<\/span>mengingat<\/span>\u00a0<\/span>munculnya<\/span>\u00a0<\/span>teknologi<\/span>\u00a0mobile banking yang\u00a0<\/span>penggunaannya<\/span>\u00a0<\/span>berbasis<\/span>\u00a0<\/span>ponsel<\/span>\u00a0<\/span>memudahkan<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>jenis<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>perbankan<\/span>.\u00a0<\/span>Bahkan<\/span>\u00a0di\u00a0<\/span>berbagai<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>,\u00a0<\/span>petugas<\/span>\u00a0bank\u00a0<\/span>lebih<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>membantu<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>solusi<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>terkait<\/span>\u00a0<\/span>masalah<\/span>\u00a0<\/span>akses<\/span>\u00a0digital\u00a0<\/span>dibandingkan<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>masalah-masalah<\/span>\u00a0<\/span>konvensional<\/span>\u00a0yang\u00a0<\/span>biasanya<\/span>\u00a0<\/span>dihadapi<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>sebelumnya<\/span>,\u00a0<\/span>seperti<\/span>\u00a0<\/span>mencetak<\/span>\u00a0<\/span>mutasi<\/span>\u00a0<\/span>rekening<\/span>\u00a0di\u00a0<\/span>buku<\/span>\u00a0<\/span>tabungan<\/span>\u00a0yang\u00a0<\/span>sekarang<\/span>\u00a0<\/span>bisa<\/span>\u00a0<\/span>dilakukan<\/span>\u00a0di\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>mobile banking.\u00a0<\/span>\u00a0<\/span><\/p>\n

Tentunya<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>berdampak<\/span>\u00a0<\/span>besar<\/span>\u00a0pada\u00a0<\/span>kantor-kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0bank di Indonesia.<\/span>\u00a0Bank\u00a0<\/span>kini<\/span>\u00a0<\/span>mulai<\/span>\u00a0<\/span>menutup<\/span>\u00a0<\/span>beberapa<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabangnya<\/span>.<\/span>\u00a0<\/span>Pernyataan<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>diperkuat<\/span>\u00a0oleh\u00a0<\/span>Deputi<\/span>\u00a0<\/span>Komisioner<\/span>\u00a0<\/span>Otoritas<\/span>\u00a0<\/span>Jasa<\/span>\u00a0<\/span>Keuangan<\/span>\u00a0(OJK) Institute\u00a0<\/span>Sukarela<\/span>\u00a0<\/span>Batunanggar<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>sekitar<\/span>\u00a01.000\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0yang\u00a0<\/span>tutup<\/span>\u00a0<\/span>dalam<\/span>\u00a03\u00a0<\/span>tahun<\/span>\u00a0<\/span>terakhir<\/span>.<\/span>\u00a0<\/span>Seperti<\/span>\u00a0salah\u00a0<\/span>satu<\/span>\u00a0bank\u00a0<\/span>terbesar<\/span>\u00a0di Indonesia, BCA\u00a0<\/span>contohnya<\/span>,\u00a0<\/span>Direktur<\/span>\u00a0Bank Central Asia (BCA)\u00a0<\/span>Santoso<\/span>\u00a0<\/span>mengakui<\/span>,\u00a0<\/span>perubahan<\/span>\u00a0<\/span>ekosistem<\/span>\u00a0di\u00a0<\/span>lingkungan<\/span>\u00a0<\/span>memang<\/span>\u00a0<\/span>cukup<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>memengaruhi<\/span>\u00a0BCA.\u00a0<\/span>Jika<\/span>\u00a0<\/span>dulu<\/span>\u00a0BCA\u00a0<\/span>mem<\/span>buka<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>hingga<\/span>\u00a040<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0per\u00a0<\/span>tahun<\/span>,\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>tersisa<\/span>\u00a0<\/span>kurang<\/span>\u00a0<\/span>dari<\/span>\u00a020<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>saja<\/span>\u00a0per\u00a0<\/span>tahun<\/span>.<\/span>\u00a0<\/span>I<\/span>ni<\/span>\u00a0<\/span>membuktikan<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>jarang<\/span>\u00a0<\/span>mendatangi<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>banyak<\/span>\u00a0bank yang\u00a0<\/span>mulai<\/span>\u00a0<\/span>mengurangi<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabangnya<\/span>.<\/span>\u00a0<\/span>Namun<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>belum<\/span>\u00a0<\/span>berlaku<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>kota<\/span>\u00a0<\/span>kecil<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>ter<\/span>pelosok<\/span>\u00a0yang\u00a0<\/span>belum<\/span>\u00a0<\/span>terjangkau<\/span>\u00a0oleh\u00a0<\/span>teknologi<\/span>\u00a0dan juga pada\u00a0<\/span>nasabah<\/span>\u00a0<\/span>lanjut<\/span>\u00a0<\/span>usia<\/span>\u00a0yang\u00a0<\/span>tidak<\/span>\u00a0<\/span>memahami<\/span>\u00a0<\/span>penggunaan<\/span>\u00a0<\/span>teknologi<\/span>,\u00a0<\/span>seperti<\/span>\u00a0salah\u00a0<\/span>satu<\/span>\u00a0<\/span>daerah<\/span>\u00a0di\u00a0<\/span>Banyuwangi<\/span>\u00a0<\/span>yaitu<\/span>\u00a0<\/span>desa<\/span>\u00a0<\/span>Kedungrejo<\/span>,\u00a0<\/span>Muncar<\/span>,\u00a0<\/span>dimana<\/span>\u00a0<\/span>sebagian<\/span>\u00a0<\/span>besar<\/span>\u00a0<\/span>nasabahnya<\/span>\u00a0<\/span>berprofesi<\/span>\u00a0<\/span>sebagai<\/span>\u00a0<\/span>nelayan<\/span>\u00a0<\/span>ikan<\/span>\u00a0dan\u00a0<\/span>belum<\/span>\u00a0<\/span>terkena<\/span>\u00a0<\/span>dampak<\/span>\u00a0<\/span>teknologi<\/span>\u00a0<\/span>secara<\/span>\u00a0<\/span>langsung<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>masih<\/span>\u00a0<\/span>membutuhkan<\/span>\u00a0<\/span>peran<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0di\u00a0<\/span>daerah<\/span>\u00a0<\/span>tersebut<\/span>.<\/span>\u00a0<\/span>P<\/span>enutupan<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0di\u00a0<\/span>kota<\/span>\u00a0<\/span>besar<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>membuat<\/span>\u00a0<\/span>pembukaan<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0di\u00a0<\/span>daerah<\/span>\u00a0<\/span>terpencil<\/span>\u00a0<\/span>seperti<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>terfokus<\/span>,\u00a0<\/span>terutama<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>alokasi<\/span>\u00a0<\/span>biaya<\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Selain<\/span>\u00a0<\/span>itu<\/span>,\u00a0<\/span>d<\/span>ampak<\/span>\u00a0<\/span>positif<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>banyaknya<\/span>\u00a0<\/span>penutupan<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>terjangkaunya<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>secara<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>efisien<\/span>.\u00a0<\/span>Terdapat<\/span>\u00a0<\/span>banyaknya<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0yang\u00a0<\/span>mengalami<\/span>\u00a0<\/span>penurunan<\/span>\u00a0<\/span>fungsional<\/span>\u00a0<\/span>akibat<\/span>\u00a0<\/span>pengurangan<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>nasabah<\/span>\u00a0yang\u00a0<\/span>lebih<\/span>\u00a0<\/span>memilih<\/span>\u00a0<\/span>akses<\/span>\u00a0digital\u00a0<\/span>daripada<\/span>\u00a0<\/span>mendatangi<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>secara<\/span>\u00a0<\/span>langsun<\/span>g<\/span>. Hal\u00a0<\/span>ini<\/span>\u00a0<\/span>diperkuat<\/span>\u00a0oleh\u00a0<\/span>pernyataan<\/span>\u00a0<\/span>Sukarela<\/span>\u00a0<\/span>dalam<\/span>\u00a0acara Decision Maker di Gedung Bursa\u00a0<\/span>Efek<\/span>\u00a0Indonesia yang\u00a0<\/span>menyatakan<\/span>\u00a0<\/span>bahwa<\/span>\u00a0\u201c<\/span>Selera<\/span>\u00a0<\/span>konsumen<\/span>\u00a0<\/span>berubah<\/span>\u00a0yang\u00a0<\/span>tadinya<\/span>\u00a0orang\u00a0<\/span>ke<\/span>\u00a0<\/span>cabang<\/span>, face to face,\u00a0<\/span>sekarang<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>banyak<\/span>\u00a0digital.\u201d\u00a0<\/span>Menurut<\/span>\u00a0<\/span>Sukarela<\/span>\u00a0<\/span>layanan<\/span>\u00a0<\/span>tatap<\/span>\u00a0<\/span>muka<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>mulai<\/span>\u00a0<\/span>ditinggalkan<\/span>\u00a0<\/span>sejak<\/span>\u00a03\u00a0<\/span>tahun<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>membuat<\/span>\u00a0<\/span>perusahaan<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>harus<\/span>\u00a0<\/span>menutup<\/span>\u00a0<\/span>beberapa<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0demi\u00a0<\/span>menghemat<\/span>\u00a0<\/span>beban<\/span>\u00a0<\/span>operasional<\/span>\u00a0dan\u00a0<\/span>efisiensi<\/span>\u00a0<\/span>biaya<\/span>\u00a0yang\u00a0<\/span>disebabkan<\/span>\u00a0oleh\u00a0<\/span>hal<\/span>\u00a0<\/span>ini<\/span>.<\/span>\u00a0Dan pada\u00a0<\/span>akhirnya<\/span>\u00a0bank pun\u00a0<\/span>dapat<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>menghemat<\/span>\u00a0dan\u00a0<\/span>mengalokasikan<\/span>\u00a0<\/span>biayanya<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>efektif<\/span>\u00a0dan\u00a0<\/span>efisien<\/span>.<\/span>\u00a0<\/span><\/p>\n

Penutupan<\/span>\u00a0<\/span>kanto<\/span>r<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>tentunya<\/span>\u00a0<\/span>juga\u00a0<\/span>memiliki<\/span>\u00a0<\/span>dampak<\/span>\u00a0<\/span>negatif<\/span>. Salah\u00a0<\/span>satu<\/span>\u00a0<\/span>dampak<\/span>\u00a0<\/span>terbesarnya<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>berkurangnya<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>karyawan<\/span>.\u00a0<\/span>Jumlah<\/span>\u00a0<\/span>karyawan<\/span>\u00a0<\/span>diperkirakan<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>terus<\/span>\u00a0<\/span>menurun<\/span>\u00a0<\/span>setiap<\/span>\u00a0<\/span>tahunnya<\/span>.<\/span>\u00a0<\/span>Peran<\/span>\u00a0<\/span>karyawan<\/span>\u00a0yang\u00a0<\/span>berada<\/span>\u00a0di\u00a0<\/span>bagian<\/span>\u00a0<\/span>operasional<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>cenderung<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>menurun<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>tingkat<\/span>\u00a0<\/span>pengangguran<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>meningkat<\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Berdasarkan<\/span>\u00a0<\/span>fenomena<\/span>\u00a0<\/span>penutupan<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0bank\u00a0<\/span>sebagaimana<\/span>\u00a0<\/span>telah<\/span>\u00a0<\/span>disebutkan<\/span>\u00a0di\u00a0<\/span>atas<\/span>,\u00a0<\/span>dapat<\/span>\u00a0<\/span>disimpulkan<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>fenomena<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>disebabkan<\/span>\u00a0oleh\u00a0<\/span>perkembangan<\/span>\u00a0<\/span>digitalisasi<\/span>\u00a0di\u00a0<\/span>masyarakat<\/span>.\u00a0<\/span>Penutupan<\/span>\u00a0<\/span>kantor<\/span>\u00a0<\/span>cabang<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>meningkatkan<\/span>\u00a0<\/span>efisiensi<\/span>\u00a0dan\u00a0<\/span>efektivitas<\/span>\u00a0bank\u00a0<\/span>dalam<\/span>\u00a0<\/span>beroperasi<\/span>.\u00a0<\/span>Namun<\/span>,\u00a0<\/span>fenomena<\/span>\u00a0<\/span>ini<\/span>\u00a0juga\u00a0<\/span>menimbulkan<\/span>\u00a0<\/span>dampak<\/span>\u00a0<\/span>negatif<\/span>\u00a0<\/span>terhadap<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>itu<\/span>\u00a0<\/span>sendiri<\/span>,\u00a0<\/span>yaitu<\/span>\u00a0<\/span>berkurangnya<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>karyawan<\/span>\u00a0bank di Indonesia.<\/span>\u00a0<\/span><\/p>\n

Penulis: Fransiska<\/span>\u00a0<\/span>Setyawati (<\/span>2301937620);\u00a0<\/span>Tasya<\/span>\u00a0<\/span>Novaliana<\/span>\u00a0<\/span>Utomo (<\/span>2301937942)<\/span><\/p>\n

\u00a0<\/span><\/b><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Bank\u00a0merupakan\u00a0salah\u00a0satu\u00a0aspek\u00a0penting\u00a0dalam\u00a0kehidupan\u00a0masyarakat\u00a0karena\u00a0bank\u00a0berperan\u00a0penting\u00a0dalam\u00a0menggerakkan\u00a0roda\u00a0perekonomian.\u00a0Untuk\u00a0menjangkau\u00a0masyarakat, bank\u00a0melakukan\u00a0banyak\u00a0cara, salah satunya\u00a0adalah\u00a0membuka\u00a0kantor\u00a0cabang.\u00a0Namun,\u00a0seiring\u00a0dengan\u00a0berkembangnya\u00a0zaman, bank-bank di Indonesia\u00a0mulai\u00a0mengubah\u00a0pola\u00a0dalam\u00a0menjalankan\u00a0kegiatan\u00a0operasionalnya, salah\u00a0satunya\u00a0adalah\u00a0terkait\u00a0dengan\u00a0masalah\u00a0kantor\u00a0cabang\u00a0tersebut.\u00a0Jika\u00a0dulu\u00a0banyak\u00a0bank yang\u00a0berlomba-lomba\u00a0untuk\u00a0memperluas\u00a0jangkauannya\u00a0dengan\u00a0cara\u00a0membuka\u00a0kantor\u00a0cabang,\u00a0kini\u00a0kondisinya\u00a0malah\u00a0berbalik.\u00a0Akhir-akhir\u00a0ini, bank-bank di\u00a0beberapa\u00a0daerah\u00a0mulai\u00a0satu\u00a0per\u00a0satu\u00a0menutup\u00a0kantor\u00a0cabangnya,\u00a0terutamadi\u00a0\u00a0daerah\u00a0kota-kota\u00a0besar\u00a0di Indonesia.\u00a0 Penyebab\u00a0utama\u00a0dari\u00a0penutupan\u00a0kantor\u00a0cabang\u00a0ini\u00a0adalah\u00a0digitalisasi.\u00a0Digitalisasi\u00a0sendiri\u00a0merupakan\u00a0perubahan\u00a0budaya\u00a0masyarakat\u00a0yang\u00a0awalnya\u00a0menggunakan\u00a0alat\u00a0konvensional\u00a0untuk\u00a0melaksanakan\u00a0berbagai\u00a0jenis\u00a0aktivitas\u00a0menjadi\u00a0lebih\u00a0modern\u00a0dengan\u00a0menggunakan\u00a0teknologi.\u00a0Digitalisasi\u00a0sudah\u00a0memengaruhi\u00a0kehidupan\u00a0sosial\u00a0dan\u00a0perilaku\u00a0masyarakat,\u00a0terutama\u00a0dalam\u00a0hal\u00a0bertransaksi.\u00a0Menurut\u00a0Presiden\u00a0Direktur\u00a0Bank OCBC NISP,\u00a0Parwati\u00a0Surjaudaja,\u00a0kini\u00a080\u00a0persen\u00a0dari\u00a0transaksi\u00a0perbankan\u00a0sudah\u00a0menggunakan\u00a0ponsel.\u00a0Hal\u00a0tersebut\u00a0sangat\u00a0wajar\u00a0mengingat\u00a0munculnya\u00a0teknologi\u00a0mobile banking yang\u00a0penggunaannya\u00a0berbasis\u00a0ponsel\u00a0memudahkan\u00a0masyarakat\u00a0dalam\u00a0melakukan\u00a0berbagai\u00a0jenis\u00a0transaksi\u00a0perbankan.\u00a0Bahkan\u00a0di\u00a0berbagai\u00a0kantor\u00a0cabang,\u00a0petugas\u00a0bank\u00a0lebih\u00a0banyak\u00a0membantu\u00a0memberikan\u00a0solusi\u00a0kepada\u00a0nasabah\u00a0terkait\u00a0masalah\u00a0akses\u00a0digital\u00a0dibandingkan\u00a0dengan\u00a0masalah-masalah\u00a0konvensional\u00a0yang\u00a0biasanya\u00a0dihadapi\u00a0nasabah\u00a0sebelumnya,\u00a0seperti\u00a0mencetak\u00a0mutasi\u00a0rekening\u00a0di\u00a0buku\u00a0tabungan\u00a0yang\u00a0sekarang\u00a0bisa\u00a0dilakukan\u00a0di\u00a0aplikasi\u00a0mobile banking.\u00a0\u00a0 Tentunya\u00a0hal\u00a0ini\u00a0berdampak\u00a0besar\u00a0pada\u00a0kantor-kantor\u00a0cabang\u00a0bank di Indonesia.\u00a0Bank\u00a0kini\u00a0mulai\u00a0menutup\u00a0beberapa\u00a0kantor\u00a0cabangnya.\u00a0Pernyataan\u00a0ini\u00a0diperkuat\u00a0oleh\u00a0Deputi\u00a0Komisioner\u00a0Otoritas\u00a0Jasa\u00a0Keuangan\u00a0(OJK) Institute\u00a0Sukarela\u00a0Batunanggar\u00a0bahwa\u00a0ada\u00a0sekitar\u00a01.000\u00a0kantor\u00a0cabang\u00a0yang\u00a0tutup\u00a0dalam\u00a03\u00a0tahun\u00a0terakhir.\u00a0Seperti\u00a0salah\u00a0satu\u00a0bank\u00a0terbesar\u00a0di Indonesia, BCA\u00a0contohnya,\u00a0Direktur\u00a0Bank Central Asia (BCA)\u00a0Santoso\u00a0mengakui,\u00a0perubahan\u00a0ekosistem\u00a0di\u00a0lingkungan\u00a0memang\u00a0cukup\u00a0banyak\u00a0memengaruhi\u00a0BCA.\u00a0Jika\u00a0dulu\u00a0BCA\u00a0membuka\u00a0cabang\u00a0hingga\u00a040\u00a0kantor\u00a0cabang\u00a0per\u00a0tahun,\u00a0saat\u00a0ini\u00a0hanya\u00a0tersisa\u00a0kurang\u00a0dari\u00a020\u00a0kantor\u00a0cabang\u00a0saja\u00a0per\u00a0tahun.\u00a0Ini\u00a0membuktikan\u00a0bahwa\u00a0nasabah\u00a0lebih\u00a0jarang\u00a0mendatangi\u00a0kantor\u00a0cabang\u00a0untuk\u00a0melakukan\u00a0transaksi\u00a0sehingga\u00a0banyak\u00a0bank yang\u00a0mulai\u00a0mengurangi\u00a0jumlah\u00a0kantor\u00a0cabangnya.\u00a0Namun\u00a0hal\u00a0ini\u00a0belum\u00a0berlaku\u00a0untuk\u00a0kota\u00a0kecil\u00a0atau\u00a0terpelosok\u00a0yang\u00a0belum\u00a0terjangkau\u00a0oleh\u00a0teknologi\u00a0dan juga pada\u00a0nasabah\u00a0lanjut\u00a0usia\u00a0yang\u00a0tidak\u00a0memahami\u00a0penggunaan\u00a0teknologi,\u00a0seperti\u00a0salah\u00a0satu\u00a0daerah\u00a0di\u00a0Banyuwangi\u00a0yaitu\u00a0desa\u00a0Kedungrejo,\u00a0Muncar,\u00a0dimana\u00a0sebagian\u00a0besar\u00a0nasabahnya\u00a0berprofesi\u00a0sebagai\u00a0nelayan\u00a0ikan\u00a0dan\u00a0belum\u00a0terkena\u00a0dampak\u00a0teknologi\u00a0secara\u00a0langsung\u00a0sehingga\u00a0masih\u00a0membutuhkan\u00a0peran\u00a0dari\u00a0kantor\u00a0cabang\u00a0di\u00a0daerah\u00a0tersebut.\u00a0Penutupan\u00a0kantor\u00a0cabang\u00a0di\u00a0kota\u00a0besar\u00a0dapat\u00a0membuat\u00a0pembukaan\u00a0kantor\u00a0cabang\u00a0di\u00a0daerah\u00a0terpencil\u00a0seperti\u00a0ini\u00a0lebih\u00a0terfokus,\u00a0terutama\u00a0dalam\u00a0hal\u00a0alokasi\u00a0biaya.\u00a0\u00a0 Selain\u00a0itu,\u00a0dampak\u00a0positif\u00a0dari\u00a0banyaknya\u00a0penutupan\u00a0kantor\u00a0cabang\u00a0adalah\u00a0terjangkaunya\u00a0nasabah\u00a0secara\u00a0lebih\u00a0efisien.\u00a0Terdapat\u00a0banyaknya\u00a0kantor\u00a0cabang\u00a0yang\u00a0mengalami\u00a0penurunan\u00a0fungsional\u00a0akibat\u00a0pengurangan\u00a0jumlah\u00a0nasabah\u00a0yang\u00a0lebih\u00a0memilih\u00a0akses\u00a0digital\u00a0daripada\u00a0mendatangi\u00a0kantor\u00a0cabang\u00a0secara\u00a0langsung. Hal\u00a0ini\u00a0diperkuat\u00a0oleh\u00a0pernyataan\u00a0Sukarela\u00a0dalam\u00a0acara Decision Maker di Gedung Bursa\u00a0Efek\u00a0Indonesia yang\u00a0menyatakan\u00a0bahwa\u00a0\u201cSelera\u00a0konsumen\u00a0berubah\u00a0yang\u00a0tadinya\u00a0orang\u00a0ke\u00a0cabang, face to face,\u00a0sekarang\u00a0transaksi\u00a0banyak\u00a0digital.\u201d\u00a0Menurut\u00a0Sukarela\u00a0layanan\u00a0tatap\u00a0muka\u00a0perbankan\u00a0mulai\u00a0ditinggalkan\u00a0sejak\u00a03\u00a0tahun\u00a0sehingga\u00a0membuat\u00a0perusahaan\u00a0perbankan\u00a0harus\u00a0menutup\u00a0beberapa\u00a0kantor\u00a0cabang\u00a0demi\u00a0menghemat\u00a0beban\u00a0operasional\u00a0dan\u00a0efisiensi\u00a0biaya\u00a0yang\u00a0disebabkan\u00a0oleh\u00a0hal\u00a0ini.\u00a0Dan pada\u00a0akhirnya\u00a0bank pun\u00a0dapat\u00a0lebih\u00a0menghemat\u00a0dan\u00a0mengalokasikan\u00a0biayanya\u00a0sehingga\u00a0lebih\u00a0efektif\u00a0dan\u00a0efisien.\u00a0 Penutupan\u00a0kantor\u00a0cabang\u00a0ini\u00a0tentunya\u00a0juga\u00a0memiliki\u00a0dampak\u00a0negatif. Salah\u00a0satu\u00a0dampak\u00a0terbesarnya\u00a0adalah\u00a0berkurangnya\u00a0jumlah\u00a0karyawan.\u00a0Jumlah\u00a0karyawan\u00a0diperkirakan\u00a0akan\u00a0terus\u00a0menurun\u00a0setiap\u00a0tahunnya.\u00a0Peran\u00a0karyawan\u00a0yang\u00a0berada\u00a0di\u00a0bagian\u00a0operasional\u00a0kantor\u00a0cabang\u00a0cenderung\u00a0akan\u00a0menurun\u00a0sehingga\u00a0tingkat\u00a0pengangguran\u00a0dapat\u00a0meningkat.\u00a0\u00a0 Berdasarkan\u00a0fenomena\u00a0penutupan\u00a0kantor\u00a0cabang\u00a0bank\u00a0sebagaimana\u00a0telah\u00a0disebutkan\u00a0di\u00a0atas,\u00a0dapat\u00a0disimpulkan\u00a0bahwa\u00a0fenomena\u00a0ini\u00a0disebabkan\u00a0oleh\u00a0perkembangan\u00a0digitalisasi\u00a0di\u00a0masyarakat.\u00a0Penutupan\u00a0kantor\u00a0cabang\u00a0ini\u00a0dapat\u00a0meningkatkan\u00a0efisiensi\u00a0dan\u00a0efektivitas\u00a0bank\u00a0dalam\u00a0beroperasi.\u00a0Namun,\u00a0fenomena\u00a0ini\u00a0juga\u00a0menimbulkan\u00a0dampak\u00a0negatif\u00a0terhadap\u00a0masyarakat\u00a0itu\u00a0sendiri,\u00a0yaitu\u00a0berkurangnya\u00a0jumlah\u00a0karyawan\u00a0bank di Indonesia.\u00a0 Penulis: Fransiska\u00a0Setyawati (2301937620);\u00a0Tasya\u00a0Novaliana\u00a0Utomo (2301937942) \u00a0 \u00a0 \u00a0 […]<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,50],"tags":[],"class_list":["post-1908","post","type-post","status-publish","format-standard","hentry","category-article","category-economy"],"_links":{"self":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1908","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/comments?post=1908"}],"version-history":[{"count":1,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1908\/revisions"}],"predecessor-version":[{"id":1909,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1908\/revisions\/1909"}],"wp:attachment":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/media?parent=1908"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/categories?post=1908"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/tags?post=1908"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}