Kredit Foto: Sufri Yuliardi
Bank merupakan salah satu lembaga keuangan yang memiliki peran penting dalam perekonomian. Bank merupakan badan usaha yang dapat menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya dalam bentuk pinjaman kepada pelaku bisnis sehingga kegiatan operasi perusahaan dapat terus berjalan. Bank juga dapat menyalurkan dana yang dihimpun kepada masyarakat dalam rangka meningkatkan taraf hidup nasabahnya.
Sektor perbankan memegang peranan penting dalam peningkatan pertumbuhan ekonomi nasional. Tujuan perbankan adalah sebagai lembaga yang memobilisasi dana untuk mempercepat pembangunan ekonomi. Kegiatan bank yang berupa penghimpunan dan penyaluran dana sangat diperlukan bagi kelancaran kegiatan perekonomian di sektor riil. Kegiatan bank memungkinkan masyarakat untuk melakukan investasi, distribusi, serta konsumsi barang dan jasa.
Dasar utama kegiatan perbankan adalah kepercayaan, baik dalam kegiatan penghimpunan dana maupun penyaluran dana. Masyarakat akan bersedia menyimpan dananya di sebuah bank apabila bank tersebut memiliki reputasi yang baik. Dalam kegiatan ini akan terbangun kepercayaan baik dari pihak penyimpan dana maupun dari pihak bank dan kepercayaan ini akan berlanjut kepada pihak peminjam.
Indonesia Best Banking Brand Award 2016 merupakan suatu bentuk apresiasi terhadap lembaga-lembaga perbankan di Indonesia yang memiliki kinerja yang baik sehingga mampu menciptakan reputasi yang baik di mata nasabah dari sisi debitur maupun kreditur dan dalam hal produk maupun layanan. Penghargaan ini diharapkan dapat memotivasi perbankan di Indonesia untuk terus berinovasi sehingga tetap memiliki reputasi yang baik di mata nasabah.
Dalam menentukan bank yang tepat sebagai kandidat pemenang, tim riset Warta Ekonomi melakukan penelusuran dengan menggunakan metode desk research. Kandidat ditentukan berdasarkan laporan tahunan dan pantauan tim riset Warta Ekonomi atas reputasi yang telah didapatkan oleh bank-bank bersangkutan. Hasil desk research kemudian menjadi bahan awal yang digunakan untuk riset kuantitatif selanjutnya.
Kriteria-kriteria yang digali dalam desk research adalah sebagai berikut:
- Perjalanan sejarah bank;
- Kinerja operasional bank;
- Teknologi digital bank;
- Reputasi produk dan layanan serta strategi yang dilakukan bank dalam usahanya meningkatkan reputasi pada 2015 hingga 2016.
Untuk mendapatkan kandidat bank yang terpilih sebagai pemenang, Warta Ekonomi melakukan serangkaian kegiatan riset kuantitatif pada 14?25 November 2016. Kegiatan riset kuantitatif dilakukan menggunakan wawancara telepon dan wawancara tatap muka dengan responden yang tersebar di kota-kota besar di Indonesia.
Jumlah responden sebanyak 1.800 orang nasabah perbankan yang dipilih secara acak, dengan kriteria yaitu SES ABC berusia 20?50 tahun, memiliki produk perbankan, dan pernah merasakan layanan perbankan.
Dari hasil desk research diperoleh kandidat bank pemenang Indonesia Best Banking Brand Award 2016 yang kemudian diuji lebih lanjut ke responden yang merupakan nasabah dari bank-bank terpilih. Pengujian kepada responden melalui wawancara telepon dan wawancara tatap muka. Tujuan pengujian kepada responden ini adalah untuk mengetahui skor masing-masing bank sehingga pada akhirnya dapat ditentukan bank pilihan nasabah dalam masing-masing title penghargaan. Setelah skor untuk masing-masing bank dinilai, maka didapatkan sebanyak 48 bank pilihan nasabah dengan skor tertinggi untuk masing-masing kategori bank dan title penghargaan, serta 15 bank pemenang Special Mention. ? ? ? ? ??
Berikut adalah bank-bank pemenang Indonesia Best Banking Brand Award 2016. ?
| No. | ?Bank? | ?Category | ?Award |
| 1. | ?Bank BRI | ?BUMN | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Most Reliable, Most Efficient, and Best Performance Title |
| 2. | ?Bank Mandiri ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? | ?BUMN | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Best Service, Most Reliable, Most Efficient, and Best Performance Title |
| 3. | ?Bank BNI | ?BUMN | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Best Service, Most Reliable, and Most Efficient Title |
| 4. | ?Bank BTN | ?BUMN | ?As The Winner of Best Banking Brand 2016 for Best Service and Best Performance Title |
| 5. | ?Bank BCA | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Most Reliable, and Best Performance Title |
| 6. | ?Bank CIMB Niaga | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Digital, Best Service, Most Reliable, and Best Performance Title |
| 7. | ?Bank Danamon Indonesia | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Consumer Choice and Most Efficient Title |
| 8. | ?Bank Bukopin | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Best Reputation and Best Performance Title |
| 9. | ?Panin Bank | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Best Reputation and Most Efficient Title |
| 10. | ?Bank Mega ? ? ? ?? | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Best Digital Title |
| 11. | ?Bank UOB Indonesia | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Best Service Title |
| 12. | ?Nobu Bank | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Best Service Title |
| 13. | ?Bank OCBC NISP | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Most Reliable Title |
| 14. | ?Permata?Bank? | ?Swasta Nasional Devisa | ?As The Winner of Best Banking Brand 2016 for Most Efficient Title |
| 15. | Bank BTPN | ?Swasta Nasional Non Devisa | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Best Service, Most Reliable, Most Efficient, and Best Performance Title |
| 16. | ?Bank Jasa Jakarta | ?Swasta Nasional Non Devisa | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Most Reliable, Most Efficient, and Best Performance Title |
| 17. | ?Bank Multiarta Sentosa | ?Swasta Nasional Non Devisa | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Most Reliable, and Most Efficient Title |
| 18. | ?Bank Victoria Internasional | ?Swasta Nasional?Non Devisa | ?As The Winner of Best Banking Brand 2016 for Best Reputation, Best Digital, Best Service, and Best Performance Title |
| 19 | ?Bank Sahabat Sampoerna | ?Swasta Nasional Non Devisa | ?As The Winner of Best Banking Brand 2016 for Best Service Title |
| 20. | ?Bank Syariah Mandiri | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Best Digital, Best Service, and Most Efficient Title |
| 21. | ?Bank Muamalat | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Consumer Choice and Best Digital Title |
| 22. | ?Bank BNI Syariah | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Reputation, Most Reliable, Most Efficient, and Best Performance Title |
| 23. | ?Bank Mega Syariah | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Best Reputation Title |
| 24. | ?Bank BRI Syariah | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Best Digital and Most Reliable Title |
| 25. | ?Bank BCA Syariah | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Best Service Title |
| 26. | ?Bank Maybank Syariah Indonesia | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Best Service and Best Performance Title |
| 27. | ?Bank CIMB Niaga Syariah | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Most Reliable Title |
| 28. | ?Panin Dubai Syariah Bank | ?Syariah | ?As The Winner of Best Banking Brand 2016 for Most Efficient and Best Performance Title |
| 29. | ?Bank BPD Bali | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Consumer Choice and Best Reputation Title |
| 30. | ?Bank?Jatim? | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Service, Most Efficient, and Best Performance Title |
| 31. | ?Bank BPD Kaltim | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Consumer Choice Title |
| 32. | ?Bank DKI | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Best Reputation, Best Digital, and Most Reliable Title |
| 33. | ?Bank Jateng | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Best Reputation, Most Efficient, and Best Performance Title |
| 34. | ?Bank BJB | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Best Digital, Most Efficient, and Best Performance Title |
| 35. | ?Bank Riau Kepri | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Best Digital Title |
| 36. | ?Bank?Sumut | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Best Service Title |
| 37. | ?Bank Nagari | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Best Service Title |
| 38. | ?Bank Kalsel | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Most Reliable Title |
| 39 | ?Bank Aceh | ?Pembangunan Daerah | ?As The Winner of Best Banking Brand 2016 for Most Reliable Title |
| 40. | ?Bank CTBC Indonesia | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Consumer Choice Title |
| 41. | ?Bank ANZ Indonesia | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Consumer Choice, Best Digital, Most Reliable, and Best Performance Title |
| 42. | ?KEB Hana Bank | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Consumer Choice Title |
| 43. | ?Bank Sumitomo Mitsui Indonesia | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Best Reputation, Best Service, Most Reliable, Most Efficient, and Best Performance Title |
| 44. | ?Bank Resona Perdania | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Best Reputation, Best Service, and Most Efficient Title |
| 45. | ?Bank Commonwealth | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Best Reputation and Most Reliable Title |
| 46. | ?Bank DBS Indonesia | ?Campuran | ??As The Winner of Best Banking Brand 2016 for Best Digital and Best Performance Title |
| 47. | ?Rabobank | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Best Digital Title |
| 48. | ?Bank Mizuho Indonesia | ?Campuran | ?As The Winner of Best Banking Brand 2016 for Best Service and Most Efficient Title |
Bank-bank pemenang Special Mention adalah sebagai berikut.
| No. | ? Bank | ?Title? |
| 1. | ?Bank ICBC Indonesia | ?Special Mention for Active Contribution to Indonesia Economics Development |
| 2. | ?Bank JTrust Indonesia Tbk. | ?Special Mention as The Best in Human Capital Training |
| 3. | ?Bank Jabar Banten Syariah | ?Special Mention as The Best Sharia Banking in Service - ATM & Teller |
| 4. | ?Bank Tabungan Pensiunan Nasional Syariah | ?Special Mention with Good Sharia Business Performance |
| 5. | ?Bank BTN Syariah | ?Special Mention as The Best Sharia Business Unit |
| 6. | ?Bank Danamon Syariah | ?Special Mention as The Highest Profit in Sharia Business Unit |
| 7. | ?Bank Maybank Indonesia | ?Special Mention as The Best Transparency |
| 8. | ?Bank NTB | ?Special Mention as The Best Contribution in Province Development |
| 9. | ?Bank Artha Graha Internasional | ?Special Mention as The Best GCG Practice |
| 10. | ?Bank Papua | ?Special Mention for Active Support in Regional Development |
| 11. | ?Bank QNB Indonesia Tbk. | ?Special Mention as Subsidiary of QNB Group The Safest Bank in Middle East |
| 12. | ?Bank Windu Kentjana International | ?Special Mention as The Best Information and Communication Technology |
| 13. | ?Bank Syariah Bukopin | ?Special Mention as The Best Marketing and Campaign Activities |
| 14. | ?Bank Sinarmas | ?Special Mention as The Great Support for Government Policy |
| 15. | ? Bank Mestika Dharma | ? Special Mention for Promoting Financial Literacy |
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Penulis: Siti Ruqoyah
Editor: Vicky Fadil
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