profile - d4 perbankan dan keuangan digital

About D4 Digital Banking and Finance

Uniqueness or Excellence of the Study Program

Digital transformation in the banking and finance sector in the digital era is crucial, particularly in supporting business activities and the banking and finance industry. This effort aims to foster a more resilient, competitive, and contributing banking and finance sector. The Diploma IV in Digital Banking and Finance study program at the Bangka Belitung State Manufacturing Polytechnic focuses on project-based learning with an emphasis on financial technology (FinTech) management, risk management, digital banking, marketing strategy, and interpersonal development. The curriculum is tailored to industry needs, both local, national, and international, and aligns with the SN-DIKTI and CP-KKNI formulations, along with the Merdeka Belajar Kampus Merdeka (MBKM) curriculum. The graduate competencies focused on in this study program are digital banking specialist, operational manager, marketing manager, financial analyst, and entrepreneur.

Graduate Profile and Study Program Excellence

Kode Graduate Profile Graduate Profile Description
PL-1 Digital Banking Specialist
  1. Able to manage and optimize banking technology systems/applications (digital banking technology);
  2. Able to create and evaluate financial portfolios using digital systems;
  3. Possess high levels of professionalism and skills;
  4. Able to compile credit analyses;
PL-2 Operational Manager
  1. Capable of managing digital transaction operations;
  2. Capable of managing risk and ensuring compliance with legal regulations;
  3. Capable of analyzing financial data and interpreting financial reports, trends, and business performance;
  4. Possess managerial skills, service excellence, and detail-oriented.
PL-3 Marketing Manager
  1. Able to provide information on products and services from banks and non-bank financial institutions;
  2. Able to develop and implement digital marketing strategies;
  3. Able to project the implementation of customer relationship management (CRM) concepts;
  4. Possess effective communication skills;
PL-4 Financial Analyst
  1. Able to analyze the company's financial condition and project investment decisions using a digital system;
  2. Able to create solution-based financial plans in the Money Market and Capital Market sectors;
  3. Able to assess asset values ​​and ensure the administration of insurance products;
  4. High integrity and leadership skills;
PL-5

Entrepreneur
  1. Able to develop business ideas using digital banking and finance concepts;
  2. Able to apply business management functions;
  3. Provide problem-solving skills;
  4. Able to map business processes using technology.

Learning Outcomes

Code Graduate Learning Outcome Description (CPL)
Attitude Aspect
S1 Demonstrate devotion to Almighty God and show religious attitudes;
S2 Uphold human values in carrying out duties based on religion, morality, and ethics;
S3 Contribute to improving the quality of social, national, and civic life as well as the advancement of civilization based on Pancasila;
S4 Act as citizens who are proud of and love their country, demonstrating nationalism and responsibility toward the nation and the state;
S5 Respect cultural diversity, perspectives, religions, beliefs, and the original opinions or findings of others;
S6 Work collaboratively and demonstrate social sensitivity and concern for society and the environment;
S7 Comply with laws and demonstrate discipline in social and civic life;
S8 Internalize academic values, norms, and ethics;
S9 Demonstrate responsibility for professional work independently;
S10 Internalize the spirit of independence, perseverance, and entrepreneurship;
General Skills Aspect
KU1 Able to apply logical, critical, innovative, high-quality, and measurable thinking in performing specific tasks in accordance with professional competency standards;
KU2 Able to demonstrate independent, high-quality, and measurable performance;
KU3 Able to examine cases of science and technology application by considering humanities values to produce prototypes, standard procedures, designs, or works of art;
KU4 Able to compile study results in the form of working papers, design specifications, or art essays and upload them to the university platform;
KU5 Able to make appropriate decisions in problem-solving contexts based on information and data analysis;
KU6 Able to maintain and develop cooperative networks both within and outside the institution;
KU7 Able to take responsibility for group work outcomes and conduct supervision and evaluation of delegated tasks;
KU8 Able to conduct self-evaluation of workgroups and manage independent learning;
KU9 Able to document, store, secure, and retrieve data to ensure validity and prevent plagiarism;
Knowledge Aspect
P1 Able to master concepts, principles, and procedures of banking financial statement analysis, credit analysis, financial portfolios, and digital banking technology systems/applications;
P2 Able to master financial data analysis, financial statement interpretation, trends, business performance, digital transaction operations, risk management, and legal regulations;
P3 Master concepts and strategies of digital marketing in the banking and financial sector aligned with consumer characteristics within the Customer Relationship Management (CRM) framework;
P4 Able to master money market and capital market concepts, asset valuation, and insurance product administration in banks and non-bank financial institutions;
P5 Master business management functions and business process mapping in the digital banking sector;
Specific Skills Aspect
KK1 Able to prepare and evaluate banking financial statements, credit analysis, and financial portfolios using digital systems and manage digital banking technology professionally;
KK2 Able to analyze data, interpret financial statements, trends, business performance, and digital transaction operations with managerial, service excellence, and detail-oriented capabilities;
KK3 Able to develop and implement digital marketing strategies to effectively deliver banking and financial service information based on certified CRM competencies;
KK4 Able to develop solution-oriented financial planning in money and capital markets, analyze corporate finance and investments, and assess asset values with integrity and leadership;
KK5 Able to develop business ideas using information technology with strong problem-solving skills, contributing locally, nationally, and globally in the context of Industry 4.0 and Society 5.0;

 

Code Graduate Learning Outcome Description (CPL)
CPL-1 Able to apply banking and financial mathematics concepts to solve problems in digital banking and finance;
CPL-2 Able to prepare and evaluate digital-based banking financial statements, credit analysis, and financial portfolios in accordance with risk management and legal regulations;
CPL-3 Able to analyze and interpret data, financial statements, trends, business performance, and digital transaction operations;
CPL-4 Able to solve banking and financial problems using effective digital marketing strategies;
CPL-5 Able to prepare solution-oriented financial planning in money and capital markets, analyze corporate finance and investments, and assess asset values and insurance administration;
CPL-6 Able to integrate information technology concepts into digital banking and finance;
CPL-7 Able to analyze and integrate internal processes and external networks to create and deliver value for target customers and organizations;
CPL-8 Able to apply effective business communication principles, service excellence, and integrity in financial institutions, money markets, and capital markets;
CPL-9 Able to apply technology-based entrepreneurship principles aligned with Industry 4.0 developments;
CPL-10 Able to apply lifelong learning principles, including access to knowledge related to relevant issues;