Strategic Analysis of PT Bank Perkreditan Rakyat (BPR) Citra Dana Mandiri

Nurul Pratiwi Hadi; Ayi Ahadiat

doi:10.55927/ijabm.v2i3.4834

Authors

Nurul Pratiwi Hadi Management Department, University of Lampung
Ayi Ahadiat Management Department, University of Lampung

DOI:

https://doi.org/10.55927/ijabm.v2i3.4834

Keywords:

Strategic, IFE, EFE, SWOT, IE, QSPM Matrix

Abstract

Indonesians are realizing the importance of safe and profitable savings. Thus, bank investment considerations are rising. People invest in People's Credit Banks (BPR) instead of traditional banks. Additionally, BPR provides village loans. Rural Banks (BPR) have helped many SMEs. This study examines PT. People's Credit Bank (BPR) Citra Dana Mandiri's external and internal environment and determines its best alternative strategy. IFE, EFE, SWOT, IE, and QSPM analysis tools are used in this study. Non-performing loans and market share were PT BPR Citra Dana Mandiri's biggest internal strengths. PT BPR Citra Dana Mandiri's biggest weakness was its lack of mobile-banking and 2 branch offices. Vehicle enthusiasts are a major external factor. the growth of MSMEs in Lampung Province, with competitors aggressively pursuing market share and offering credit and facilities. The TAS/Total Activeness Score QSPM, the first strategic alternative PT BPR Citra Dana Mandiri prioritizes, is market penetration. Market penetration can estimate PT BPR Citra Dana Mandiri's potential market

Downloads

Download data is not yet available.

References

Alalie, H. M., Harada, Y., & Noor, I. M. (2019). Impact of Strength, Weakness, Opportunities, Threats (SWOT) Analysis on Realizing Sustainable Competitive Advantage in Banking Industry Sector in Iraq. International Journal of Scientific and Research Publications (IJSRP), 9(3), p8708. https://doi.org/10.29322/ijsrp.9.03.2019.p8708

Alamanda, D. T., Anggadwita, G., Raynaldi, M., Novani, S., & Kijima, K. (2019). Designing Strategies using IFE, EFE, IE, and QSPM analysis: Digital Village Case. The Asian Journal of Technology Management (AJTM), 12(1), 48–57. https://doi.org/10.12695/ajtm.2019.12.1.4

Ansoff H. Igor. (2007). Strategic Management (1st ed.). Palgrave Macmillan London.

Apriani, N. D., Filiana, M. A., & Ermando, J. G. (2022). Strategic Formulation Analysis of National Sport Institute of Indonesia, “IONI.” International Journal of Research and Review, 9(3), 32–40. https://doi.org/10.52403/ijrr.20220305

Berisha Qehaja, A., Kutllovci, E., & Shiroka Pula, J. (2017). Strategic management tools and techniques: A comparative analysis of empirical studies. Croatian Economic Survey, 19(1), 67–99. https://doi.org/10.15179/ces.19.1.3

Darmadi, H. (2014). Metode Penelitian pendidikan dan sosial. Alfabeta.

David Fred R, & David Forest R. (2009). Strategic Management: A Compotitive Advantage Approach, Concepts and Cases.

Farris, P. W., Bendle, N. T., Pfeifer, P. E., & Reibstein, D. J. (2010). Marketing Metrics: The Definitive Guide to Measuring Marketing Performance. Pearson Prentice Hall.

Hunger, J. D., & Wheelen, T. L. (2011). Strategic Management (5th ed.). Addison Wesley.

Kaihatu, T. S., Pengajar, S., Ekonomi, F., Kristen, U., & Surabaya, P. (2006). Good Corporate Governance dan Penerapannya di Indonesia. 1–9.

Kotler, P., & Amstrong Gary. (2010). Principles of Marketing (13th Editi). Pearson Education.

Kotler, P. T., & Keller, K. L. (2011). Marketing Management (14th ed.). Pearson Education.

Lashgari, S., Antuchevičienė, J., Delavari, A., & Kheirkhah, O. (2014). Using QSPM and WASPAS methods for determining outsourcing strategies. Journal of Business Economics and Management, 15(4), 729–743. https://doi.org/10.3846/16111699.2014.908789

Messai Selma Ahlem, J. F. (2013). Micro and Macro Determinants of Non-Performing Loans. International Journal of Economics and Financial Issues, 3, 852–860.

Rangkuti, F. (2008). Analisis swot teknik membedah kasus bisnis : reorientasi konsep perencanaan strategis untuk menghadapi abad 21 (15th ed.). Gramedia Pustaka Utama.

Saba, I., Kouser, R., & Azeem, M. (2012). Determinants of non performing loans: Case of US banking sector. The Romanian Economic Journal, 15(January), 141–152.

Saleh, D. S., & Winarso, E. (2021). Analysis of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR) towards Profitability. International Journal of Multicultural and Multireligious Understanding, 8(1), 423–436.

Sugiyono. (2013). Metode Penelitian Kuantitatif Kualitatif dan R & D.

Usman, O., Monoarfa, T. A., & Marsofiyati. (2020). E-banking and mobile banking effects on customer satisfaction. Accounting, 6(6), 1117–1128. https://doi.org/10.5267/j.ac.2020.7.006

Zulkarnain, A., Wahyuningtias, D., & Putranto, T. S. (2018). Analysis of IFE, EFE and QSPM matrix on business development strategy. IOP Conference Series: Earth and Environmental Science, 126(1). https://doi.org/10.1088/1755-1315/126/1/012062