Skripsi

PUBLIC VALUE LAYANAN KREDIT SERBA GUNA BANK SUMSEL BABEL CABANG PRABUMULIH DALAM MENINGKATKAN INKLUSI KEUANGAN BAGI APARATUR SIPIL NEGARA DI KOTA PRABUMULIH

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This study aims to analyze the creation of public value through the Multi-Purpose Credit (KSG) program implemented by Bank Sumsel Babel Prabumulih Branch in improving financial inclusion for civil servants (ASN) in Prabumulih City. The analysis employs Mark H. Moore's Public Value Strategic Triangle, which consists of three core dimensions: public value, legitimacy and support, and operational capacity. Using a qualitative descriptive method, data were obtained through in-depth interviews, field observations, and document analysis involving seven informants, including internal bank officials and KSG borrowers with varying credit statuses (current, substandard, and non-performing). Overall, the study concludes that the KSG program successfully creates public value by expanding access to formal financial services, strengthening ASN financial literacy, and contributing to local financial inclusion. Nevertheless, improvements in post-disbursement support, online consultation services, and continuous financial education are needed to ensure that public value is distributed more evenly among all borrower categories.

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Availability

Detail Information

Series Title

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Call Number

T1902432025

Publisher

: Prodi Ilmu Administrasi Publik, Fakultas Ilmu Sosial dan Politik Universitas Sriwijaya., 2025

Collation

xvii, 178 hlm.; ilus.; tab.; 29 cm

Language

Indonesia

ISBN/ISSN

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Classification

332.170 7

Content Type

Text

Media Type

-

Carrier Type

-

Edition

-

Subject(s)

Layanan Perbankan
Prodi Ilmu Administrasi Publik

Specific Detail Info

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Statement of Responsibility

MI

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