COLLABORATIVE GOVERNANCE DALAM PEMBERDAYAAN NASABAH BANK BTPN SYARIAH

Abstract

This study aims to analyze the collaborative governance model in the empowerment of underprivileged female customers by Bank BTPN Syariah. The main focus of the study is to examine how collaboration between state and non-state actors is established in collaborative-based empowerment programs and to assess the challenges and effectiveness of this model. The research method used is a descriptive qualitative approach with data collection techniques through literature studies, documentation, and analysis of official documents and institutional practices. The results of the study show that the collaborative model implemented by BTPN Syariah reflects the principles of collaborative governance, such as multi-stakeholder participation, structured role sharing, and a common goal to improve customer welfare. However, several challenges were identified, such as disparities in access to resources and knowledge, limitations in the distribution of accountability, and the continued dominance of one actor. The conclusion of this study indicates that although collaboration has been successful, improvements in transparency, governance, and coordination model innovation are still needed. Recommendations are provided for academics and policymakers to help foster a more equitable and sustainable collaborative ecosystem in empowering underprivileged communities.