Evaluation of The Balanced Scorecard Implementation in PT. Bank Negara Indonesia (Persero) Tbk Regional Office 02 Padang.
lry
al. renpat / Tsr r,nn : Padas / 25 Novcnbs re36 b) Nsa oms Tua :
Dj .)
Ekdnoni d) r@s: Aklntusi o. No.BP I 05br0r6 Drgr r_urus r1 rewi
20rI g) Eeditlr LulG: bsd Menuar h).tPK:r.0' i)
sbdi : 5 rtrn, s Bti ).
F*dhs:
h,
Evdurion ofTbe B.lrmed SoItgrd lbpl€bdnr.tiotr i. PI- Brnk Negrn Indoresix
(PeFero) Tbk Regionrl Ofiic. 02 ?&l!ng
skipsisl
Penbinbing
r
oleh
i
Purri Olia
D6 RiMyadi, MB/\, Ak
In ords b ohiove the vision ond nission, llE ampony needed !o inpleme lne cored statee/ Ii dE
oihe. side. to be l6le io se *heLlrer the compry has adopbd rhe righr nmie$/, companies neen to evaluate
intemal and ext.ml l&b6. That requic a molhod and slsen of p€rfomec appnisd 6 a mcos ot
evrluation to ddemine iftie onpdnyhb ihplenmtei a tutgy bssed on the cxperd psloman€
dssment. lnplemenhrion ollhh pcrfomance Asnenr me6od usen b obbin $e compsny s succs$ in
achi.ving the laqets ser oui in L\e abinrent ol !l]e vnion ed mission. Balanccd $oreard is a solurion
b condud an se$nenr olorpone p€domadce, beeusperfomece appBisal ffisd oniror only
fin cial rcmsbu!.lsoin tms of.on-finecial. Purpo$ofrhis $0dt is ro inve$isnte d evalure
lhe p€rfo@ce of FT BNI (Pesem) Tbk Regional Offic 02 Padmg inimplemeiling thc balancad
scoean nethod usin8Fo p€hp€ciiles, which conshts ofthe perspeclive offinancial d operrrional
peBp.ctive. From theevdlmtion ofrhe brlfced $oHard p€fommce 6s$m l synem
inplenhred PT. BNI boih i. tens offinucial and non-banl fdanciil PL BM (Perso) Tbk Regiond
Office 02 Padmg
m
be
crregorizd
d
"Good".
X. tuo^l:. bulrnce Kora. atd,
Ds. Rimyadi. MBA. AK
Skipsi lelah dipdansnlm
,01I Ahsftk relsh disebi
siddg penguji
Dm. Hu,na Roza M com
s
blan nddand ke
'ld
(Hont, Ak
dinyatake ldus pad, ranggal I I
Yes Otrvi4 SE M Bu\ Ak
Falaturru.irdilas And,l8 dd ne
N
?eLusa FakulE/
N.
An,mni F,h,lEq
Nd
Alm.i ljnive^il1s
i
.dLm
Unirersib
CHAPTER
1
INTRODUCTION
Mesement of $e compuy shoutd be abte io ideDlii, accurarety
tbe
conpetirion nr the mdket md how thc shreeies should inplenefi by
1he
compsy to conpete wilh conpelitor conpmy Since crhis era in Sou$
East,{sia especially Indonesia $om
dd
ycr
2OO7
consmer behavior is moE
hd
serices rhar they
b!y. Cosnher usually compm ber*een b€nenr Dd cosl
tnar they spend to
rationale, eficient,
l@us on vatuc Gom producl
scl laiue of the pmduct. In tem of siving vatue ro costner,
needs
onpoy
lo dwelo! rhe valuable producr, neas lhat rhe products not ody
lulfiU costMa need bul also wi1n rdtionale cost.
Tbe pftlommce
ad indilidualt
b€hayior
in rh. comp y wilt
suppod the conperiiion. The question is whjch pe6lectiles
tlie conpmy
1o
ould snlporr
oeaure th€ quality? In rhe begjmine. conley sed to
inplemenl daditionol ac@utins rhat focNd
budgeting md sllnded cos! to
nnmdal pmF.live
or n.dcial
nesm fien p€rfomece.
neNenor v6
sDch
d
Horeverj drjs
not mough to evatuale conpey
p€domdce throucn a conp€tiriv€ envibment. Finecial DesDh€nl
detemine of compaly perfommce findciel by
rzle a shod-tin€ action by saclificins ibc
!6hi.g
longrm
increN profir or ROI, a nmags cm Edue
.ielelopmenr
or t?ining lor ttre
rhe neaser
obj@rlves
ht
sh a
cohmitdeni
enptoyee, included inveslmdr
nrue.eeds.lr neos
lcchnology systen for c.mpany
in shon rem. n wi
perforndcc risos, bur in long-tem h sill decease. This
cause nnmcial
hedurenenl ienores non,findcial apecr md
inr
sible sset
Every coDpmy shoDld inresl md run rheir ihr.ltectBt asscl by
buildiq a sood ieladonship with
rhe custoner
becae, good relarionship
loyalit md orsaniarion possibilily in s€Ne
seghent of custon& md narlcr efecti!€ly and
new
eficinuy will sive benenl
lbr the conpmy at fie €nd oflhe process. Inhcluce imolative !rcducr
senic€s needed ofcuslom*. Produce hish qurtiry producl
lower cosr
dd
continnosly
i.
prccess, qualiiy,
fmcial
perfomce of
dd serices l,ilh
shon tine. Motivatc rhe employecs 10 do inpmvdenr
ThercfoE, it is cle& rhat
haed on
ed
ed
respomc rine 10 laise cfliciency
perfomce meslllwent
le.speclive is no lonser suficienl
a @mpey,
ud
syslem ihat only
lo
appmise lhe
baaue conpdy pedomce cove6 a ldge
md @npelitive s!€cl, Thal h wlry conpaies reed a new systd
h6ue
their
rqlomdce.
inmciai ap€cl
bur also
'l-his problen
They need a syslen which nol ody
bedue
10
th€
.on-6ndcial spect.
ha nade Kaplm dd Norlon fomutat€
a
!s
conceF
in perfomece n*uen€nt systen nm€d Baldced Smrecad (BSC).
This baldced
fin
h€s
balace in ihe penpeclives between
cial dlects. ln balmce scorca.4
n*uin8
indcial ad
non
lhft e fou lers!€crives in
cobpmy pdlommcq flmcial peBpectivo
6
finmcial
spel
CTIAPTER 5
CONCLUSIONS
Anerdoine resqrch, co ecting dab, and conduct
interviews . bour lhe
scolecard
dar is aprtied ro rhe pr. Bmk Negm Indonesia (pc^erc)
Tbk
Regional om@ 02 Padde, we
l.
bat ..n
Baldced scorecdd
@
hs ben
conctude sevemt thinss, which arc:
implenenred in pT. Bank NegaE rndonesia
(Pe6em) Tbk W€s Slmata Reeion siice
2006.
2.
The conpdy's pedomace lppDisal $rcush lne
linired in
3.
the
inher
svsem k
BNt h.adquMer JalaJb.
In 2009, rhe baranced scomad orpT. B&k
NegaE rndonesia (peNerc)
Tbk Regjonat ofice 02 padang onty had lwo pe^pecri!6
ot bdanccd
$oead_
These teBpeclives werc
tD&ci.t p€Bpelive sd op€€lional
p6p€cri,c. Th*d peNpecrivcs w.rc sm.
have already
s
pr€vious
y.d beus. !h.
ben fomatized in de p€rtbmece Moagenot
systen
(PMS).
4.
hdicatoN for peGpalive tnanciat !re Operali.g rnohe,
lee hmne,
Retun on Asrs (RoA), cost 16 Inconc R.tio (CrR),
&d E?ning p.r
Enployee (EPE) for lbe findnoial penp.ctile.
opeEtiomr p€tspedive
i.dicatoB de Cusioher
Sc
icc Salisfaction, Cr.dit
R.cw.+
oublanding
Balane Expdsion for Sya.iah Om€e ChMneling
in Conventioel B€ncL
Outrroding
Lod E,\pMioo, Colt.ctjbitity of Lod. the ODtsiandjn,
REFERENCES
Balan.ed Scorecard, Viqcd on
FebnDn
htp://en.wikipedia.ordwiki/Bslanccd scorccard
Ballnccd ScoEard, vicwed on
Bdl,rc.d
\co
ecrrd
v
eed
tnp. *N.rrc\ctope
lOl3 b:l3ncedseorcLsrd-iLrtt
Ba
&ced
Scorecsrd Bsrc,
hllDr/baldcedscorcc.id.o
d/55/Delau
February
on teorudr) 4.
vi€wed
on
Fcbtua.y
otn
9, 2oto. fton
BSCResources/AbounheBatlncedScorecard/hbi
L^ox
Balb.ed ScoEkd Perlomdce and Melnodolos/.pdl DoMtoad
2010, fron htbr/M,meaenent.dera,oov/726,hln
Bm-t .arqsd.
from
Cobbor4
/00a. Depdrnrnr
desridas,[email protected]
I
I&/,
bL!,q:
eaoto\ee. ,
nli
Janum 8. r0.,,
& cavin L.wn€, 2002, Batarcd S.arecad as
Ca.leqoe papd, USA: Boston.
2CC
Conpdy pnffl. conJwy tmfile [email protected], DoMtoad on seF€mber t, 2010, from
hrtpT
w.bni,co.id
Gspeq \ incerr
s^\a Mrnjetun Kqe4J r?rin,.s6i aa! red
\u Siaao btLr A,pan^;"i B^a^ dan pen.narah
20or.
s.o\catd dpnsak
ralarla: PT. C@edi. Pustala Uram.
Hidalal. rrend,. 20Oa. PerJdaup Meawcn?n! Srqen rptsl. \iew.d
Noveabn 72.20t0 flm Webdy Hidayar r[eBJos.s hh
on
How is bank cost ro in@ne Etio cdtculat€d, viewed on Novenbe! 20,20t0, fton
hitor/wiki.ansm.com/O lov is bank cosl ro incone mtio cotculard
Ksple, Rib€n S. & David P. Norlon, 1996, B.tanced Score.a/A: Meretuptzn
Stateai Meajadi Atsi {trdstat:J4 St€regy into Adion), takolt : Erldssa.
Kaplr.Rob€f, s & Dorid P. Nonon. tsa6 JmFeh, r sihc aahnaed srcp,atd
Snateqi Varczenc4t S\ je4, Hddrd Brsines Revi€u
6a
al. renpat / Tsr r,nn : Padas / 25 Novcnbs re36 b) Nsa oms Tua :
Dj .)
Ekdnoni d) r@s: Aklntusi o. No.BP I 05br0r6 Drgr r_urus r1 rewi
20rI g) Eeditlr LulG: bsd Menuar h).tPK:r.0' i)
sbdi : 5 rtrn, s Bti ).
F*dhs:
h,
Evdurion ofTbe B.lrmed SoItgrd lbpl€bdnr.tiotr i. PI- Brnk Negrn Indoresix
(PeFero) Tbk Regionrl Ofiic. 02 ?&l!ng
skipsisl
Penbinbing
r
oleh
i
Purri Olia
D6 RiMyadi, MB/\, Ak
In ords b ohiove the vision ond nission, llE ampony needed !o inpleme lne cored statee/ Ii dE
oihe. side. to be l6le io se *heLlrer the compry has adopbd rhe righr nmie$/, companies neen to evaluate
intemal and ext.ml l&b6. That requic a molhod and slsen of p€rfomec appnisd 6 a mcos ot
evrluation to ddemine iftie onpdnyhb ihplenmtei a tutgy bssed on the cxperd psloman€
dssment. lnplemenhrion ollhh pcrfomance Asnenr me6od usen b obbin $e compsny s succs$ in
achi.ving the laqets ser oui in L\e abinrent ol !l]e vnion ed mission. Balanccd $oreard is a solurion
b condud an se$nenr olorpone p€domadce, beeusperfomece appBisal ffisd oniror only
fin cial rcmsbu!.lsoin tms of.on-finecial. Purpo$ofrhis $0dt is ro inve$isnte d evalure
lhe p€rfo@ce of FT BNI (Pesem) Tbk Regional Offic 02 Padmg inimplemeiling thc balancad
scoean nethod usin8Fo p€hp€ciiles, which conshts ofthe perspeclive offinancial d operrrional
peBp.ctive. From theevdlmtion ofrhe brlfced $oHard p€fommce 6s$m l synem
inplenhred PT. BNI boih i. tens offinucial and non-banl fdanciil PL BM (Perso) Tbk Regiond
Office 02 Padmg
m
be
crregorizd
d
"Good".
X. tuo^l:. bulrnce Kora. atd,
Ds. Rimyadi. MBA. AK
Skipsi lelah dipdansnlm
,01I Ahsftk relsh disebi
siddg penguji
Dm. Hu,na Roza M com
s
blan nddand ke
'ld
(Hont, Ak
dinyatake ldus pad, ranggal I I
Yes Otrvi4 SE M Bu\ Ak
Falaturru.irdilas And,l8 dd ne
N
?eLusa FakulE/
N.
An,mni F,h,lEq
Nd
Alm.i ljnive^il1s
i
.dLm
Unirersib
CHAPTER
1
INTRODUCTION
Mesement of $e compuy shoutd be abte io ideDlii, accurarety
tbe
conpetirion nr the mdket md how thc shreeies should inplenefi by
1he
compsy to conpete wilh conpelitor conpmy Since crhis era in Sou$
East,{sia especially Indonesia $om
dd
ycr
2OO7
consmer behavior is moE
hd
serices rhar they
b!y. Cosnher usually compm ber*een b€nenr Dd cosl
tnar they spend to
rationale, eficient,
l@us on vatuc Gom producl
scl laiue of the pmduct. In tem of siving vatue ro costner,
needs
onpoy
lo dwelo! rhe valuable producr, neas lhat rhe products not ody
lulfiU costMa need bul also wi1n rdtionale cost.
Tbe pftlommce
ad indilidualt
b€hayior
in rh. comp y wilt
suppod the conperiiion. The question is whjch pe6lectiles
tlie conpmy
1o
ould snlporr
oeaure th€ quality? In rhe begjmine. conley sed to
inplemenl daditionol ac@utins rhat focNd
budgeting md sllnded cos! to
nnmdal pmF.live
or n.dcial
nesm fien p€rfomece.
neNenor v6
sDch
d
Horeverj drjs
not mough to evatuale conpey
p€domdce throucn a conp€tiriv€ envibment. Finecial DesDh€nl
detemine of compaly perfommce findciel by
rzle a shod-tin€ action by saclificins ibc
!6hi.g
longrm
increN profir or ROI, a nmags cm Edue
.ielelopmenr
or t?ining lor ttre
rhe neaser
obj@rlves
ht
sh a
cohmitdeni
enptoyee, included inveslmdr
nrue.eeds.lr neos
lcchnology systen for c.mpany
in shon rem. n wi
perforndcc risos, bur in long-tem h sill decease. This
cause nnmcial
hedurenenl ienores non,findcial apecr md
inr
sible sset
Every coDpmy shoDld inresl md run rheir ihr.ltectBt asscl by
buildiq a sood ieladonship with
rhe custoner
becae, good relarionship
loyalit md orsaniarion possibilily in s€Ne
seghent of custon& md narlcr efecti!€ly and
new
eficinuy will sive benenl
lbr the conpmy at fie €nd oflhe process. Inhcluce imolative !rcducr
senic€s needed ofcuslom*. Produce hish qurtiry producl
lower cosr
dd
continnosly
i.
prccess, qualiiy,
fmcial
perfomce of
dd serices l,ilh
shon tine. Motivatc rhe employecs 10 do inpmvdenr
ThercfoE, it is cle& rhat
haed on
ed
ed
respomc rine 10 laise cfliciency
perfomce meslllwent
le.speclive is no lonser suficienl
a @mpey,
ud
syslem ihat only
lo
appmise lhe
baaue conpdy pedomce cove6 a ldge
md @npelitive s!€cl, Thal h wlry conpaies reed a new systd
h6ue
their
rqlomdce.
inmciai ap€cl
bur also
'l-his problen
They need a syslen which nol ody
bedue
10
th€
.on-6ndcial spect.
ha nade Kaplm dd Norlon fomutat€
a
!s
conceF
in perfomece n*uen€nt systen nm€d Baldced Smrecad (BSC).
This baldced
fin
h€s
balace in ihe penpeclives between
cial dlects. ln balmce scorca.4
n*uin8
indcial ad
non
lhft e fou lers!€crives in
cobpmy pdlommcq flmcial peBpectivo
6
finmcial
spel
CTIAPTER 5
CONCLUSIONS
Anerdoine resqrch, co ecting dab, and conduct
interviews . bour lhe
scolecard
dar is aprtied ro rhe pr. Bmk Negm Indonesia (pc^erc)
Tbk
Regional om@ 02 Padde, we
l.
bat ..n
Baldced scorecdd
@
hs ben
conctude sevemt thinss, which arc:
implenenred in pT. Bank NegaE rndonesia
(Pe6em) Tbk W€s Slmata Reeion siice
2006.
2.
The conpdy's pedomace lppDisal $rcush lne
linired in
3.
the
inher
svsem k
BNt h.adquMer JalaJb.
In 2009, rhe baranced scomad orpT. B&k
NegaE rndonesia (peNerc)
Tbk Regjonat ofice 02 padang onty had lwo pe^pecri!6
ot bdanccd
$oead_
These teBpeclives werc
tD&ci.t p€Bpelive sd op€€lional
p6p€cri,c. Th*d peNpecrivcs w.rc sm.
have already
s
pr€vious
y.d beus. !h.
ben fomatized in de p€rtbmece Moagenot
systen
(PMS).
4.
hdicatoN for peGpalive tnanciat !re Operali.g rnohe,
lee hmne,
Retun on Asrs (RoA), cost 16 Inconc R.tio (CrR),
&d E?ning p.r
Enployee (EPE) for lbe findnoial penp.ctile.
opeEtiomr p€tspedive
i.dicatoB de Cusioher
Sc
icc Salisfaction, Cr.dit
R.cw.+
oublanding
Balane Expdsion for Sya.iah Om€e ChMneling
in Conventioel B€ncL
Outrroding
Lod E,\pMioo, Colt.ctjbitity of Lod. the ODtsiandjn,
REFERENCES
Balan.ed Scorecard, Viqcd on
FebnDn
htp://en.wikipedia.ordwiki/Bslanccd scorccard
Ballnccd ScoEard, vicwed on
Bdl,rc.d
\co
ecrrd
v
eed
tnp. *N.rrc\ctope
lOl3 b:l3ncedseorcLsrd-iLrtt
Ba
&ced
Scorecsrd Bsrc,
hllDr/baldcedscorcc.id.o
d/55/Delau
February
on teorudr) 4.
vi€wed
on
Fcbtua.y
otn
9, 2oto. fton
BSCResources/AbounheBatlncedScorecard/hbi
L^ox
Balb.ed ScoEkd Perlomdce and Melnodolos/.pdl DoMtoad
2010, fron htbr/M,meaenent.dera,oov/726,hln
Bm-t .arqsd.
from
Cobbor4
/00a. Depdrnrnr
desridas,[email protected]
I
I&/,
bL!,q:
eaoto\ee. ,
nli
Janum 8. r0.,,
& cavin L.wn€, 2002, Batarcd S.arecad as
Ca.leqoe papd, USA: Boston.
2CC
Conpdy pnffl. conJwy tmfile [email protected], DoMtoad on seF€mber t, 2010, from
hrtpT
w.bni,co.id
Gspeq \ incerr
s^\a Mrnjetun Kqe4J r?rin,.s6i aa! red
\u Siaao btLr A,pan^;"i B^a^ dan pen.narah
20or.
s.o\catd dpnsak
ralarla: PT. C@edi. Pustala Uram.
Hidalal. rrend,. 20Oa. PerJdaup Meawcn?n! Srqen rptsl. \iew.d
Noveabn 72.20t0 flm Webdy Hidayar r[eBJos.s hh
on
How is bank cost ro in@ne Etio cdtculat€d, viewed on Novenbe! 20,20t0, fton
hitor/wiki.ansm.com/O lov is bank cosl ro incone mtio cotculard
Ksple, Rib€n S. & David P. Norlon, 1996, B.tanced Score.a/A: Meretuptzn
Stateai Meajadi Atsi {trdstat:J4 St€regy into Adion), takolt : Erldssa.
Kaplr.Rob€f, s & Dorid P. Nonon. tsa6 JmFeh, r sihc aahnaed srcp,atd
Snateqi Varczenc4t S\ je4, Hddrd Brsines Revi€u
6a