Business Strategy using SWOT Analysis in Implementing Loan Origination System to Improve Bank^s Business Performance (Case Study at Mortgage Credit)
Harmansyah Nasution (a*), Agus Rahayu (b), Lili Adi Wibowo (c), Puspo Dewi Dirgantari (d), Erwin Yulianto (e), Ryan Nurgraha (f)

(a*, b, c, d) Universitas Pendidikan Indonesia
(e) Universitas Langlangbuana
(f) Universitas Garut

Abstract

The use of information systems and technology in the banking environment is increasing and expanding, especially in competing and gaining competitive advantage. In the loan management process, such as collecting information and verifying applicants regarding personal data, income data and collateral data, it is a measurement of the credibility of the prospective debtor. Loan Origination System (LOS) is a system specifically developed to support the processing of credit applications required by banks with the aim of making it easier and faster. Following this trend, the banking industry implemented a Loan Origination System (LOS) for mortgage lending as one of the implementations of digital transformation. This study aims to describe the External Environment, Internal Environment, Banking Credit Process Re-Engineering, Loan Origination System Implementation and Business Performance in the Banking Industry. The research method used is a Systematic Literature Review of relevant research using the Research Questions (RQ) set out in this study. The research conducted resulted in a Loan Origination System Implementation Model to Improve Business Performance in the Banking Industry.

Keywords: External Environment, Internal Environment, Banking Credit Process Re-engineering, Loan Origination System Implementation, Business Performance

Topic: Strategic Management, Entrepreneurship and Contemporary Issues