The Suitable Model of Branchless Banking Implementation in Indonesia

Branchless banking as the new distribution channel in banking industry is becoming a new solution to offer financial service to untapped society. Branchless banking will help Indonesia to decrease its number of unbanked people. This Final project is to find out the right model of branchless banking that can be implemented in Indonesia, regarding the society respond and hope towards banking the reliable technology, collaboration of parties that involve, and how to avoid branchless banking risks. The respond and hope society towards banking measured by spreading the questionnaires to 112 middle class society in Depok. The questionnaires results were calculated by frequency analysis method. The reliable technology, collaboration of parties, and the way to avoid risks were find out by interviewing three people from different parties, which are Telkomsel from Telco Company, Bank BJB, and PT Cyberport as the company between bank and Telco. The result of this research is, branchless banking in Indonesia can be implemented by collaboration of Telco Company, Bank, and private sector. The reliable technology to implement branchless banking is using USSD connectivity and EDC machine that has been modified to be branchless banking technology. The risks in branchless banking can be avoided by risks mitigation from technology and regulation. The respondents’ perception towards banking is, bank is secure but bank do not have flexible opening hour. The expectation of respondents is bank become more secure, flexible, and have easier way and requirement to open bank account. To create a suitable model of branchless banking in Indonesia, those three parties have to conduct another similar research in the different area, to know the demand of the society. After those parties knowing about society needs and demand, they should do the three approaches to meet the demand. Those approaches are Price, feature, and process approach.Keyword: Branchless banking, Collaboration, reliable technology, perception, expectatio

The Innovative Business Model Concept Generation for PT. LEN Industri Business Model Solutions in Achieving the Expected Net Profit Margin

As a state owned company, PT. Len Industri(Persero), an electronic industry and infrastructure company,has passed three transformation phases throughout its effort inimproving the company performance in the passed 20 years. Inthe final state of the third transformation phase, despite itssignificant sales growth (averaging to 30 percent per year from2006), PT. Len is unable to achieve the expected KPI (keyperformance Indicator) for NPM (net profit margin) of 5% set bythe stake holder.In order to achieve the requested NPM, PT. Len has to carefullyselect projects with low COGS only (80% to 85%). This can onlybe done through a high value project content which means usingan innovative product that has a high selling value or bydeveloping an innovative business model which can givesignificantly higher return. In this case study, the latter choice ischosen.Business model initiative is not new to PT. Len, but acomprehensive way of creating the business model that involvesdetails steps has never been generated. Business ModelGeneration using a 9 blocks building concept is introduced here.The designing concept uses the “Unbundling†business modelpattern that suit business at PT. Len. The designing take exampleone of the business lines in the integrated PV (photovoltaic)system supply. This business is then recast into the standardizedformat of business model canvas and unbundled to get a new corebusiness. This new core business will improve the NPM of PT.Len Industri.Keywords: NPM, Business Model, COGS, KPI , Unbundling businesspatter

Customer Awareness and Expectation Toward MY.Telkomsel.com Website

Telkomsel is the first and the largest GSM mobile telecommunication operator in Indonesia. Tohelp its customers, Telkomsel has Grapari as walk in customer service and https://my.telkomsel.com as online customer service. In every day, Grapari always filled by the customer. Existence of my.telkomsel.com has not been able to reduce the amount of density that occurs in Grapari. It would be better if Telkomsel know how much the customers awareness about this MyTelkomsel website, what customers expect from this online customer service, and what kind of promotion can attract their attention.The conclusion of this research is actually there are many customers who aware of my.telkomsel.com as an online customer service from Telkomsel. But Simpati and Kartu As customers who use this website is much lesser than the actives of them. The customers expect that my.telkomsel.com have some features, such as changing and upgrading package limit easier, can buypulse, and can block number. Holding event that invites band/singer and promotions via SMS are the most effective communication for Telkomsel’s customers. By adding the expected features and doing the promotions that can attract the attention of customers, will make my.telkomsel.com better known and there will be more customers are using it.Keywords: Service Innovation, Customer awareness and expectation, Online customer service, Communication, Promotion

STP Revision Which Leads to Change on Business Model and Marketing Strategy of BRIGANDINE with The Purpose of Expanding The Market Share

Football industry Indonesia is currently on the rise and got a lot of public attention. As a result of increasing interest in the sport, many opportunities have opened up. One is the opportunity to market the complementary product to perform activities of playing football / Futsal such as the jersey. Brigandine Football is a startup company that creates football/Futsal sportswear. Brigandine was founded in late 2011.There are few issues that brigandine face, the biggest problems is the lack of sales & promising future market. The step that we will take to find the root cause are to do internal an external analysis, The purpose of internal analysis is to know the weaknesses & strength of the company. And, The purpose of the external analysis is to find out the external factor of the business that can influence the company.  From the analysis, find out that there are 3 root causes, they’re: 1) The pricing strategy is not suitable (pricing is higher than competitors). 2) The lack of physical store. 3) The lack of product extension, service and warranty. The sequence of problem solving for brigandine starts with the revision of STP. This revision made because the behavioral factor that is different from the survey and the STP that brigandine has, so it need some adjustment to fit into the segment that already shaped by the market. And then followed by the revision of business channels. After the revision of business model, we will try to give solution for brigandine problem. The first one is choosing the type of physical stores, continued with the addition of product extension/services/warranty. And then finally, the revision of pricing strategy for brigandine. The STP revision is in the targeting and positioning area. While the changes in the business model are in customer segment, value proposition, channels, and customer relationship. The solutions gives to Brigandine root cause is choosing the mobile store as their official store, the addition of product extension in terms of Armless Jersey, Long sleeve Jersey, Training Vest, Jersey for kids & additional service in terms of Number printing service. And the last is choosing a promotional price strategy and discount & allowances as the pricing strategy to expand the market share of Brigandine. Keywords: physical store options, additional product extension/services/warranty, pricing strategy

Proposed Marketing Strategy in Terms of Changes in Channel and Pricing Strategy of Foglia with The Purpose to Imporve The Sales

The fashion industry is as old as the idea of wearing clothes. This industry was born and evolved along with the increasing need for clothing. The increasing need for clothes opened many opportunities for businessmen offer many varied designs of clothes for the customer. Foglia is a new player in the fashion business. The company is established in July 2011. Foglia is a company engaged in woman’s clothing boutique online concept. Foglia creates its own design with a touch of lace as a uniqueness for every clothes offered. During the business, Foglia faces several issues. The most prominent issues are about pricing, promotion, and company business. Internal and external analysis are done to find the root cause. Internal analysis is performed to determine the strength and the weakness of the company whereas external analysis is performed to find out the external factor of the business that can influence the company. According to the analysis, there are two root causes. They are 1) Gap of pricing (company’s price tends to be expensive than customer willing to pay), and 2) Company business (remain on an online store boutique concept or do both online and offline store). Problem solving on this study begins with determining the company business, it is done based on the behavioral about buying clothes of the intended target market. The choices are remaining on online store boutique concept, changing in offline store boutique concept, or doing both online and offline boutique concept. The final step is determining the pricing strategy for Foglia in order to conform with the intended target market. The propose solution for Foglia is do online and offline boutique concept. This is done to attract prospective customers who usually buy clothes in online store and physical stores. The last solution is set the appropriate price by using penetration pricing strategy and choosing promotion price strategy to stimulate early purchase from the customer and to expand the market share of Foglia.    Keywords: Online Store, Offline Store, Penetration Price, Promotion Price, and Fashio

Business Strategy Recommendation for Warung Lepak Restaurant Using Quantitative Strategic Planning Matrix (QSPM)

Tourism has developed into a major industry and has a strategic role and position of Bandung city development. The development has affected to its culinary business growth. Culinary business environment in the recent time has so many changes and becomes much more competitive. The competitiveness leads to Warung Lepak’s performance loss and causes a decrease in sales. Dealing with current situation, the company should be survive and beats the competition through implementing strategic management which covers all future orientated aspects as provided the Quantitative Strategic Planning (QSPM) method. Quantitative Strategic Planning Matrix (QSPM) is a high-level strategic management approach for evaluating possible strategies. Quantitative Strategic Planning Matrix or a QSPM provides an analytical method for comparing feasible alternative actions. The QSPM approach attempts to objectively select the best strategy using input from other management techniques and some easy computations. This Final Project is trying to apply a strategic management systematically of Warung Lepak to return its performance, based on the strategic management framework. First step are scanning the environment and internal organizational, this step would identify possible opportunities and threats and its internal environment for strengths and weaknesses. The next step is formulating strategy which divides into three-stage decision-making framework. Stage 1 is The Input Stage, stage 2 is The Matching Stage, and stage 3 is The Decision Stage. The frameworks are applicable company such as Warung Lepak and can help strategists identify, evaluate, and select strategies. Based on the QSPM analysis result, a turnaround strategy becomes the most appropriate alternative strategy compared with market penetration and market development strategy. Turnaround strategy is a time based systematic process of stabilizing and revitalizing distressed or underperforming firms through financial, operational, and structural reorganization with the aim of achieving sustainable result. The strategy is appropriate to the company in declining phase.  To be succeed, the implementation of alternative strategy needs the role and responsibility of the owners, socialization, and participation from all employees. The systematic step in the Quantitative Strategic Planning Matrix (QSPM) method makes the choosing processes of alternative strategies at Warung Lepak can be done appropriately, therefore the continuous improvement processes can be done in an effective way. Keywords: Quantitative Strategic Planning Matrix, Turnaround Management, Strategic Management

Customer Awareness and Expectation Toward MY.Telkomsel.com Website

Telkomsel is the first and the largest GSM mobile telecommunication operator in Indonesia. Tohelp its customers, Telkomsel has Grapari as walk in customer service and https://my.telkomsel.com as online customer service. In every day, Grapari always filled by the customer. Existence of my.telkomsel.com has not been able to reduce the amount of density that occurs in Grapari. It would be better if Telkomsel know how much the customers awareness about this MyTelkomsel website, what customers expect from this online customer service, and what kind of promotion can attract their attention.The conclusion of this research is actually there are many customers who aware of my.telkomsel.com as an online customer service from Telkomsel. But Simpati and Kartu As customers who use this website is much lesser than the actives of them. The customers expect that my.telkomsel.com have some features, such as changing and upgrading package limit easier, can buypulse, and can block number. Holding event that invites band/singer and promotions via SMS are the most effective communication for Telkomsel’s customers. By adding the expected features and doing the promotions that can attract the attention of customers, will make my.telkomsel.com better known and there will be more customers are using it.Keywords: Service Innovation, Customer awareness and expectation, Online customer service, Communication, Promotion

Strategic Development of Top Buah Segar: SWOT and Tows Matrix Analysis

Nowadays, People’s paradigm has shifted from not only concern with low prices, but also concern with the pleasantness of a store or market. Modern people tend to go to modern market which is more comfortable compared to traditional market. Top Buah Segar is one example of the modern market. The tools used in this research were SWOT and TOWS Analysis,  and questionnaire. SWOT Analysis was used to identify the internal and external factors affected Top Buah Segar in the industry from the perception of the company itself. On the other hand, questionnaire which based on Marketing Mix 7P strategy identified the internal factors of firm from customers’ perception.the researcher found strength, weaknesses, opportunities and threats of Top Buah Segar Bekasi. Top Buah Segar in Bekasi lack in almost every aspect of the Markting Mix 7p, while Top Buah Segar in Cibuburexcell at every aspect. In order to increase its performance the researcher recommend that Top Buah Segar Bekasi need to hire more employees to better manage the stores, create a marketing team to search and maintain customers, and they need to fix the physical evidence. Keywords : SWOT Analysis, Marketing Mix Category : Performance management, Marketin