MANAGEMENT INFORMATION SYSTEM APPLICATION OF INFORMATION TECHNOLOGY SYSTEM MANDIRI BANK

Febrian1, Hapzi Ali2, Sheli3 1

Operational Customs Clereance, PT. AJU Logistics, Jakarta Indonesia 2 Profesor Of Management Mercubuana University, Jakarta Indonesia 3 Lecturer of Mercubuana University, Jakarta Indonesia

Abstract: This study aims to formulate strategies for the development of IT at Bank Mandiri. This study was designed with the form of quantitative and survey method. The study population is all employees part of the development of IT (Information Technology) at Bank Mandiri. Samples were selected purposively man the policy makers in terms of IT development strategy. The results showed that the strategic positioning of major IT development the bank is an aggressive strategy by implementing a strategy of SO (StrengthOpportunity). This shows that with the support of funds were very adequate, the availability of the service provider of IT security and support comprehensive information architecture, then the bank should optimize the function and role of IT to be more independent. In addition, in its efforts to meet the business needs of the Bank, IT also needs to pay attention to the development of the banking business and banking trends to be able to provide strategic value for development of Bank Mandiri. I.

Introduction

PT. Bank Mandiri (Persero) Tbk was established on October 2, 1998, as part of the bank restructuring program implemented by the government of Indonesia. In July 1999, four state banks - Bank Bumi Daya, Bank Dagang Negara, Bank Exim and Bapindo-merged into PT. Bank Mandiri (Persero) Tbk. Each of the four legacy banks play an integral role in the development of Indonesia's economy. Until today, PT. Bank Mandiri (Persero) Tbk continued the tradition for more than 140 years contributed to the banking industry and the economy of Indonesia. Immediately after the merger, PT. Bank Mandiri (Persero) Tbk implement the consolidation process as a whole. At that time, we closed 194 branch offices adjacent to each other and reduce the number of employees, of the combined amount of 26,600 becomes 17,620. Brand PT. Bank Mandiri (Persero) Tbk we implemented simultaneously to all of our network and on all advertising and other promotional activities. One of the many successes PT. Bank Mandiri (Persero) Tbk, the most significant is the success in completing the implementation of new technological systems. Previously we inherit 9 core banking system that is different from the four banks. After an initial investment to immediately consolidate into the system the best, we carry out a three-year program, with a value of US $ 200 million, to replace our core banking system into a system that has the ability to support consumer banking activities we were very aggressive. Today, IT infrastructure PT. Bank Mandiri (Persero) Tbk providing straight-through processing and a single interface on all customers.

Our corporate customers until today still represent the main strength of the Indonesian economy. According to the business sector, the corporate loan portfolio is well diversified, and are particularly active in the manufacturing sector Food & Beverage, agribusiness, construction, chemicals and textiles. Approval and monitoring credit approval process is controlled with four eyes are structured, where credit decisions are separated from the marketing activities of our business units. Since it’s establishment, PT. Bank Mandiri (Persero) Tbk has worked hard to create a strong management team and professionals who work based on the principles of good corporate governance has been recognized internationally. PT. Bank Mandiri (Persero) Tbk supervised by a Board of Commissioners appointed by the Minister of State Enterprises selected by members of the financial community are respected. Management is the highest executive of the Board of Directors headed by the Managing Director. Our Board of Directors consists of a banker from legacy banks and also from outside the independent and highly competent. PT. Bank Mandiri (Persero) Tbk also has offices functions of compliance, audit and corporate secretary, and also the subject of regular inspection of the external auditor conducted by Bank Indonesia, BPKP and BPK and international auditors. AsiaMoney magazine gives awards for our commitment to the implementation of GCG by giving Corporate Governance Award for the category of Best Overall for Corporate Governance in Indonesia and Best for Disclosure and transparency. vision: Bank reliable your choice Mission: Oriented to meet market requirements Developing human resources professional To give maximum benefit to stakeholders Implement open management Care about the interests of society and the environment.

II.

Literature Review

A. Profile Information Technology Systems Bank Mandiri Information technology is one of the company's strategy to be more competitive in the field of information technology will support the creation of a system of information needed by consumers, while the basic definitions that make up the information system itself is the data, information and information systems. Development of information technology in the world is inseparably linked with the development of computer technology. Improved computer skills very rapidly and can be described as a quantum technological developments, it is the development of information technology Below is the translation of information systems technology that is used in PT. Bank Mandiri Tbk. Category management information system used by Bank Mandiri. Category Management Information System can be grouped into two (2) function is as follows: 1. Operation Support System Function. Management Information System type of function Operation Support System which applied the function Transaction Processing System (TPS). Transaction Processing System is used to

process the transaction banking products such as loans (Loans), deposit money (deposit), trade finance and other banking services. 2. Management Support System Function Type of Management Information Systems Management Support System functions are applied is Management Information System (MIS). MIS is used in order to provide the necessary information for each level of management at Mandiri to support decision making. In the terminology used in the banking business in general, the framework of Management Information Systems at Bank Mandiri can be grouped into: a. Core Banking System (CBS) Core Banking System is a Host System whose function is as CustomerDatabase Organizer, which serves as the application Grafic User Interface (GUI) that supports any banking transactions are performed. The data meliputiCustomer Information File (CIF), Loans & Deposits Transaction System, Trade Finance System and other banking services. b. Banking Delivery System (BDS) Banking Delivery System is a delivery facility where customers can perform accessterhadap bank products and services. Examples of such delivery system is divided into (2) parts: 1. Self Service Terminal : - ATM (Automated Teller Machine). - Call Center (Phone Banking). - Debit Card / POS Terminal. - Phone banking. - Cash Management. 2. Non - Self Service Terminal : - Branch Teller System. c. Management Support System Management Support System is a system that can provide information / data / report of the company to support decision-making at every level of management. Meanwhile Management Support System in PT. Bank Mandiri only at the stage information provider (Management Information System) has not been able to provide solutions directly to management. Similarly, PT. Bank Mandiri Tbk has not provided the Executive Information System is an information system that is presented in such a way (usually using multimedia) for the top executive. Currently, PT. Bank Mandiri is developing Management Support System in outsourcing with multiple providers (vendors) to provide direct solutions for the management ranks. Example of a Management Information System that is applied is as follows: 1. Financial Information System. 2. Asset & Liabilities Management Information System. 3. Human Resources Information System. 4. Fixed Asset Information System. Here is presented a framework of management information system in PT. Bank Mandiri Tbk. SYSTEM & NETWORK MANAGEMENT AND MANAGEMENT SUPPORT SYSTEM. - Financial Information System. - H R Information System.

- Asset Information System. CORE BANKING SYSTEM - CIF (Customer Identification File). - Loans Module. - Deposit Module. - Trade Finance. - GL System. BANKING DELIVERY SYSTEM Branch Teller. ATM. EFT/POS (Debit card). Call Center. Cash Management.

B. Role of Information Technology Systems At Pt. Mandiri Bank Role of Information Systems in support of Business Operations at PT. Bank Mandiri Tbk is enormous, especially in support of routine operations on 1 Special Branch Offices, 324 branch offices, 140 sub-branches and 4,250 Independent Unit scattered throughout Indonesia. Without Technology Information System, the operational activities of PT. Bank Mandiri Tbk may not be able to run. Therefore the role of Information Technology Systems in running the bank rated operational services is vital for business continuity. The main operational activities at the Branch Office, Branch Office and the Unit that is to serve and process customer transactions include: 1. Commercial Loans, Consumer Loans, Goverment Loans and Consumer Loans 2. Saving Transaction 3. Time Deposit 4. Current Account Transaction 5. Trade Finance Transaction ( LC Exspor & Impor). 6. Electronic Transaction 7. Bill of payment 8. Others bank transaction Role of Management Information Systems to support decision-making in PT. Bank Mandiri Tbk is to provide information or company data is needed. Such information is information about the performance of the bank's business began smallest effort levels Unit Office, Branch Office, Branch Office to Head Office. The performance of bank information that can be presented by the Management Information System in the Independent, among others: 1. Liquidity Report business units: a. Cash Ratio report. b. Statutory report. c. Reports Call Money Liabilities Open to the total funds. 2. Productivity Reports of business: a. Reports Return on Assets.

b. Return on Assets Earning reports. c. Reports loan productivity. d. Report of Non-Performing Loans. e. Reports the ratio between the net interest margin on earning assets. f. Reports capital adequacy ratio (Capital Adequacy Ratio). 3. Efficiency Bank report: a. Reports Cost of Fund (COF). b. Reports Cost of Loanable Fund (COLF). c. Overhead Cost Reports (OHC). 4. Financial Information System which includes: a. Capital Budget. b. Financial forecasting. c. Financial Planning. 5. Progress Report on the Party Fund III a. Saving Progress Report. b. Progress Report on Giro. c. Deposit Progress Report.

III.

Research Methods

Systems Development Method System development method used is by using SLDC. Preliminary Study

Formulation of Problem

Research Purposes

Literature review Analysis, Design, and Information Systems, Information Systems, System Development Process, Data-Oriented Approach, Basic Data Base, Data Concepts, Entity Relationship Diagram.

Model Development Information System

Survey: Identification of the condition, existence, and User Requirements, Definitions Scope Analysis : Identification of the condition, existence, and User Requirements, Definitions Scope Design: DAD, Normalization, Data Dictionary Making: Coding / Programming

Analysis of the results Implementation / Evaluation

Model Development Information System

Here's an explanation of the methods SDLC: SDLC serves to illustrate the main stages and steps of each stage are broadly divided into the following activities: a. Survey This activity dlakukan to identify the condition of the running system in PT. Bank Mandiri (Persero) Tbk, especially sections relating to employee data, also determine the needs of users of the system in outline.

b. Analysis This activity is conducted to identify the condition of the running system in PT. Bank Mandiri (Persero) Tbk, also knows the needs of users of the system, determine the scope of the work to be dtangani, understand the current system and identify problems and find solutions c. Design This activity dlakukan to design a new system that can solve the problem exists in the data Yag employees at PT. Bank Mandiri (Persero) Tbk d. Making This activity is performed to create a logical design of the form of coding / programming of information system is built.

IV.

Result and Discussion

Systems There are two groups of approaches in defining the system, namely the emphasis on the procedure and the emphasis on component or element. The systems approach is more emphasis on the procedure defines the system as follows: A system is a network of procedures that are interconnected, gathered together to perform an activity or to accomplish a certain goal. A system is a network of procedures that each system is a network of procedures that are interconnected, gathered together to perform an activity or to accomplish a certain goal. According to Jerry Fitzgerald, ardra F. Fitzgerald and Warren D. Stallings, Jr., defines the procedure as follows: A procedure is the exact sequence of steps of instructions that explain what to be done, Who do it, When do and How do. The systems approach is more emphasis on the elements or components define the system as follows : The system is a collection of elements that interact to achieve a certain goal. Both groups that definition is correct and not contradictory, that is different is his approach. The systems approach which is a collection of elements or components or subsystems is a broader definition. This definition is more widely accepted, because the fact that a system can consist of several subsystems or sub-systems. For example, the accounting system may consist of several subsystems, namely sales accounting subsystem, subsystem of purchase accounting, payroll accounting subsystem, subsystem cost accounting and so forth. Element System Understanding of the system with the component approach / elements, which is a collection of elements that are interrelated and work together to achieve a certain goal. A system can consist of several subsystems. The subsystems may also consist of several smaller subsystems. General systems theory emphasizes that the need to examine all parts of the system. Often an analyst too focused on only one component of the system, namely employment, activities, mission or parts of the system set up to realize the goal .To component of the vision, mission, and goals often it is not possible to be changed by an analyst, it it is the authority of top management to define it. Thus, to analyze or plan a system must first understand the components or elements, or subsystems of a system.

Characteristics System - System Components (Components) A system consists of a number of interacting components, which means that work together to form a single unit. The components of the system or system elements can be either a subsystem or the parts of the system. Each system no matter how small, always contain components or subsystems. Each subsystem has the properties of the system to perform a specific function and affect the overall system. So, can you imagine if in an existing system subsystem is not running / working properly. Of course, the system will not run smoothly or the system may also be damaged by itself, the purpose of the system is not reached. - Limit System (Boundary) System boundary (boundary) is an area that limits between a system with other systems or with the outside environment. Limit this system allows a system is seen as one entity. Limit a system indicate the scope (scope) of the system. - External Environment System (Environments) The outdoor environment of a system is anything beyond the limits of the system that affect system operation. Environment outside the system can be beneficial and may also be detrimental to the system. Favorable external environment is the energy of the system and thus must be kept and maintained. Moderate adverse external environment must be detained and controlled, otherwise it will disrupt the survival of the system. - Connector (Interface) System Connector system is a media liaison between one subsystem with other subsystems. Through this interface allows resources flow from one subsystem to another. Output (output) of one subsystem will be input (input) to other subsystems through a connection. By connecting one subsystem can be integrated with other subsystems form a unity. Input System Enter the system is the energy put into the system. Feedback can be input treatment (maintenance input) and input signal. Maintenance energy input is included so that the system can operate. The input signal is processed to obtain the energy output. For example in a computer system, program maintenance input is used to operate the computer and the data is input signal to be processed into information. - Output (Output) System System output is the result of the energy processed and classified into useful output and residual disposal. Output would be an input to other subsystems or to supersistem. For example, for a computer system, the heat generated is output that is not useful and is the result of fecal waste, while the output of information is required. - Processing (Process) System A system can have a processing section that will transform inputs into outputs. A production system will process the input of raw materials and other materials into the output of finished

goods. The accounting system will process the transaction data into financial reports and other reports required by the management. Target or Goal A system must have a purpose or goal. If a system does not reserve the target, then the operating system will not do any good. The goal of the system will determine all necessary input and output system that will be generated by the system. A system is successful when the goals or objectives. The difference of a goal (objectives) and a destination (goal) is, the goal is usually associated with broader scope and objectives in a more narrow scope. If it is a major systems, such as enterprise business systems, the term is more appropriate goal. For accounting system or other systems or subsystems that are part of the business system, the more precise term objectives. So depending on the scope of which look at the system. Often the goal (goal) and goal (objectives) are used interchangeably and are not differentiated. Classification System The system can be classified from several perspectives, including the following: 1. The system is classified as an abstract system (abstract system) and systems (physical system). Abstract system is a system of thought or ideas that do not appear physically. For example theological systems, which are systems that form thoughts of the relationship between man and God. Physical system is a system that physically exists. For example computer systems, accounting systems, production systems and so forth. 2. The system is classified as a natural system and human made system, natural system is a system that occurs through natural processes, not man-made. For example, the earth's rotation system. Man-made system is a system designed by humans. Man-made systems that involve interaction between man and machine called the human-machine system or there is a call to the man-machine system. The information system is an example of manmachine system, because it involves the use of computers to interact with humans. 3. The system is classified as a specific system (deterministic system) and a system of indeterminate (probabilistic system). The system operates with a certain behavior that could have been predicted. The interaction between the parts can be detected with certainty, so that the output of the system can be foreseen. The computer system is an example of a specific system whose behavior can be ascertained based programs that run. Indeterminate system is a system that conditions the future is unpredictable because it contains elements of probability. 4. The system is classified as a closed system and open system , Closed system is a system that is not related and not affected by the external environment. This system works automatically without any intervening parties are welcome. Theoretically there is a closed system, but in fact no system is completely closed, there was just are relatively closed system (relatively closed, not completely closed). An open system is a system associated

with and affected by the external environment. This system receives input and produce output to the outside environment or other subsystems. Because of its open system and affected by the external environment, then a system must have a good control system. A good system should be designed such that a relatively closed because the system will work automatically closed and open only to the influence of the fine.

A system that is connected to its environment through resource flows is called an open system. A heating or air conditioning system, for example, get her out of the input-power companies, and provide heat / chill to the room they occupy. Using the same logic, a system that is not connected to its environment is a closed system. For example, the system covered only in tightly controlled laboratory situations. Information Information is data that has been processed into a form that has meaning for the recipient and may be a fact, a useful value. So there is a process of transforming data into an information = Input - process - output. Data is the raw material for an update. The difference depends on the information and data use for value management requires. An information for certain management level could be the management of data for the above level, or vice versa. Information Quality: Depending on three things, namely that information must be: • • •

Accurate, means that information should be free of errors - errors and can not or misleading. Accurate also means that information must clearly reflect the intent. Just in time. Dating means the information on the recipients should not be too late. Relevant, means that information has benefits for the wearer. Relevance information for each person different from another one.

Information Systems The information system is a system of integrity that can provide useful information to users, or a terintegritas system or human-machine system to provide information to support the operation, management in an organization. This system utilizes hardware and computer software, manual procedures, models and database management. Meanwhile, according to Robert A. Leitch, the information system is a system within an organization reconcile the needs of daily transaction processing, support the operation, managerial and strategic activities of an organization and provide certain outside parties with the reports required.

Physical Component Information System: 1. Hardware computer: CPU, Storage, the Input / Output, terminals for interaction, media data communication 2. Software computer: system software, common software applications (programming language), application software (accounting applications, etc.) 3. Database: data storage on computer storage media 4. Procedure: step - step system usage 5. Personnel for operation management (Human Resources)

V.

Conclusions and Recommendations

Here Excess Information Technology Systems Improve operational efficiency. Investment in information technology systems can help companies become more efficient operations. Operational efficiency allows the company to run a cost advantage (low-cost leadership). By investing in information technology systems, the company can also embed the barriers to entering the industry (barriers to entry) by increasing the amount of investment or the complexity of the technologies required to enter the market competition. In addition, other ways that can be taken is binding (lock-in) customers and suppliers by building new relationships that are more valuable to them. Introducing innovations in business. For example the use of an ATM (automated teller machine) in the bank is a good example of technology innovation information systems. With the ATM, the big banks can gain strategic advantage beyond their competitors that lasted several years. The main emphasis in strategic information systems is the build cost of the exchange (switching costs) into the relationship between companies with customers or suppliers. Building a strategic information sources. Technology information systems enable companies to build strategic resources so it got a chance in a strategic advantage. This means obtaining the hardware and software, to develop telecommunication networks, information systems specialist hire, and train end users. While Shortage of Information Technology Systems:

Can have an impact on the social environment such as a reduction in the workforce, thus increasing the unemployment rate. In addition to the SIM makes human dependence on the driver's license, to the exclusion of human rationality it self. Lack of experts in the field of information systems can lead to misperceptions in the development of the system and fault / risk which happens to be the responsibility of the company. The existence of the problems that arise in the system, among others, when the disruption in the connection or computerized system that causes the system may not operate as expected (offline).

VI.

Conclusion

From the above discussion of a number of conclusions, namely: Developments in information technology affects the human life and it has changed the patterns of social relations, the economy (business) and politics. The role of information technology in the Internet can not be denied in the delivery of global information so that a certain degree, generalized information technology with the Internet. The Internet itself is phenomenal emergence as one of the marker poles advancement of information and communication technology. Internet eliminates all physical boundaries that separate people and incorporate them in the new world, the world of "virtual". Application of information technology in the Internet enables the development of management information system has several advantages, including the ease of distributing application programs, easy and convenient because it can be accessed from anywhere and at any time, have access to information that is faster, cheaper and better and is able to lower the cost of the need delivery and dissemination of information. Application of information technology in internet banking would improve the efficiency, effectiveness and productivity while increasing revenue through the sales system that is far more effective than conventional banks. The role of information technology applications is vital in internet banking. Without the application of information technology in internet banking, internet banking then it will not work and the internet itself will not work / useful, because the Internet is running the application of information technology in the Internet itself (connected).

In the world of banking, internet banking can be a fun choice because it is easy, inexpensive and can be done at any time from anywhere (with no limit of space and time). References Azhar Susanto. Sistem Informasi Manajemen. Lingga Jaya:Bandung, 2004. Jogiyanto, Analisis dan Disain Sistem Informasi, ANDI OFFSET Yogyakarta, 1990. Online : www.bankmandiri.co.id pada tanggal 05 september 2009