Optimization error on random word splitting function Python

I wrote a word splitting function. It splits a word into random characters. For example if input is 'runtime' each below output possible:

['runtime']

['r','untime']

['r','u','n','t','i','m','e'] ....

But it's runtime is very high when I want to split 100k words do you have any suggestions to optimize or write it smarter.

def random_multisplitter(word):
    from numpy import mod
    spw = []
    length = len(word)
    rand = random_int(word)
    if rand == length:       #probability of not splitting
        return [word]

    else:
        div = mod(rand, (length + 1))#defining division points 
        bound = length - div
        spw.append(div)
        while div != 0:
            rand = random_int(word)
            div = mod(rand,(bound+1))
            bound = bound-div
            spw.append(div)
        result = spw
    b = 0
    points =[]
    for x in range(len(result)-1): #calculating splitting points 
        b=b+result[x]
        points.append(b)
    xy=0
    t=[]
    for i in points:
        t.append(word[xy:i])
        xy=i
    if word[xy:len(word)]!='':
        t.append(word[xy:len(word)])
    if type(t)!=list:
        return [t]
    return t