Decision Making Problem and Decision Analysis

Ilfan Dradjat NIM 29112125 MBA Ex 47

Company Profile
Bank bjb is one of leading bank in West Java, formerly known as Jabar Banten Municipal Bank. Currently I work at Card Center Departement, the main job are developing Electronic data Capture (EDC) machine and setting up Credit Card Product.

Kepner-Tregoe Analysis Problem Analysis

Major Concern Choosing Card Business Type Regulator Refusal Create Exclusive Discount Program Credit Card Launching Sub-Concern PKS Addendum Get Regulator Approval Timing H H L H H Trend H H M H H Impact H H M H H Process DA PA PPA PA PPA

Decission Analysis
As Principal Must - bjb can get fee based income - Low Cost Development - Easy Setup As Co-Branding BRI Go Go Go

BNI Go Go Go

Mandiri Go Go Go

Go No No

Want - Portofolio Monitoring - Exclusive Discount Program - Transfer Knowledge Total

Weight 7 9 8

Rating 7 9 8

Score 49 81 64 194

Rating 7 6 7

Score 49 54 56 159

Rating Score 8 56 7 63 8 64 183

Potential Problem Analysis

Potential Problem fail again to Get Regulator Approval Not Create Exclusive Discount Program Consequence Probable Cause does not meet the Bank Indonesia requirements unatractive product Preventive Action make sure all requirement are comply make exclusive program that beyond market expectation Contingent Action meet directly with Bank Indonesia to explain use chip-in mechanism

Not Achieve RBB (rencana Bisnis Bank) few people use it