Growth Acceleration Strategy  Sharia Regional Development Banks (BPD) In Indonesia

Irmayani; Sugianto Anfa; Tuti Anggraini

doi:10.35877/454RI.qems2796

Irmayani North Sumatra State Islamic University, Medan, Indonesia (ID)
Sugianto Anfa North Sumatra State Islamic University, Medan, Indonesia (ID)
Tuti Anggraini North Sumatra State Islamic University, Medan, Indonesia (ID)

https://doi.org/10.35877/454RI.qems2796

Keywords: Acceleration Strategy, Islamic Regional Development Bank, Islamic Banking

Viewed = 0 time(s)

Abstract

This study aims to formulate the core problem by choosing what is the best strategic alternative that can be taken by Islamic business units to accelerate the growth of the Islamic banking industry. By exploring aspects of internal and external problems. Then the solution from internal and external of various acceleration strategies based on expert opinion related to the phenomenon of the researcher's problem. This research methodology is descriptive qualitative with a quantitative approach and research using ANP (Analytic Network Process) analysis tools. In this study using experts totaling 5 people consisting of academics, practitioners and regulatory experts. The results of this study indicate that: 1). There are two main problems, namely external and internal problems. The most prioritized problem in determining the acceleration strategy is the external problem with an average combined value of 53%, while for the W (Rater Agreement) value of all respondents is 0.36. The most prioritized external problem is the problem of local government support with an average value of 35% with a Rater Agreement of all respondents of 0.64, while the priority problem in internal problems is the problem of capital. 2) for the most prioritized solution, namely the external solution with a combined average value of 54%, while for the W (Rater Agreement) value of all respondents is 1. In the most prioritized external solution, namely local government support, the W (Rater Agreement) value is 0.84. With an average value of 35%. 3. The most prioritized strategy is conversion with an average value of 26%, while for the marger, spin off and acquisition strategies it is around 25%, with a W (Rater Agreement) value of 0.46, meaning that the answers of the respondents have moderate agreement.

References

Ananda, M. A. (2023). Mapping the Spin Off Scheme (Uus) of Buk Islamic Business Unit. AL-IQTISHAD: Journal of Islamic Banking and Islamic Economics, 1(2), 105-115. https://doi.org/10.47498/iqtishad.v1i2.2437
Anisa Dwi Utami, Lukman M Baga, Rahmat Yanuar, Tita Nursyamsiah, Busaid, & Mahanani, Y. (2023). Development Strategy of Islamic People's Financing Bank in Indonesia. Al-Muzara'Ah, 11(1), 47-61. https://doi.org/10.29244/jam.11.1.47-61
Aulia Weno, Rusdinal, H. A. (2019). Factors in Decision Making. 1-3.
Fatimah Tuzzuhro, Noni rozaini, M. yusuf. (2019). DEVELOPMENT OF SYARIAH BANKING IN INDONESIA Fatimah. Fatimah Tuzzuhro, Noni Rozaini, Muhamad Yusuf, null(23), 301-316.
Hilman, I. (2019). Spin-Off Strategy to Improve Business Performance of Islamic Banks in Indonesia. repository.ekuitas.ac.id. http://repository.ekuitas.ac.id/handle/123456789/635
Ikono, R., & Reno Kemala Sari, P. (2020). Management of the Conversion Process of Conventional Banking to Islamic Banking Case Study of Bank Ntb Syariah. TAMBORA Journal, 4(2A), 1-9. https://doi.org/10.36761/jt.v4i2a.763
Miyah, D. (2021). IN THE PERSPECTIVE OF THE AL-QUR'AN (Study of Surah Ali Imran Verse 159 and Surah An Naml Verse 32) SKRIPSI By : FACULTY TARBIYAH AND SCIENCE THE DECISION MAKING OF LEADERS IN THE PERSPECTIVE OF THE AL- QUR'AN (A Study of Surah Ali Imran Verse 159 and Surah An Naml Verse 32).
Nabela, F., & Thamrin, H. (2022). THE CONTRIBUTION OF ISLAMIC BANKING TO THE ECONOMIC GROWTH OF COUNTRIES IN SOUTHEAST ASIA. Tabarru' Journal: Islamic Banking and Finance, 5.
Nesneri, Y., Hidayati, F., & Novita, U. (2020). STRATEGY OF SHARIA BUSINESS UNITS OF CONVENTIONAL COMMERCIAL BANKS IN FACING SPIN OFF 2023 (STUDY ON PT. BPD RIAU AND RIAU ISLANDS). Tabarru' Journal: Islamic Banking .... https://journal.uir.ac.id/index.php/tabarru/article/view/5939
Nofendy, D. (2020). Analysis of the Conversion Strategy of PT Bank Aceh Syariah. repository.uinsu.ac.id. http://repository.uinsu.ac.id/9267/
Nugraha Triyan Putra, Z., & Thamrin, H. (2021). Problematics and Dynamics of Islamic Banking in the Era of Globalization. Tabarru' Journal: Islamic Banking and Finance, 5(1), 34-40. https://doi.org/10.25299/jtb.2022.vol5(1).8448
Nurhadi, N. (2020). The Conversion of Bank Riau Kepri into a Sharia Bank in the Economy of the Community and Muslims in Riau Province. ISLAMIKA. https://ejournal.stitpn.ac.id/index.php/islamika/article/view/792
Nursjanti, F., Amaliawiati, L., & Utami, E. M. (2023). Improving Sharia Financial Literacy for Millennials and Gen Z in West Java. Madaniya, 4(1), 54-67. https://madaniya.pustaka.my.id/journals/contents/article/view/345%0Ahttps://madaniya.pustaka.my.id/journals/index.php/contents/article/download/345/234
Pahira, S. H., & Rinaldy, R. (2023). The Importance of Human Resource Management (HRM) in Improving Organizational Performance. COMSERVA: Journal of Research and Community Service, 3(03), 810-817. https://doi.org/10.59141/comserva.v3i03.882
Rambe, L. A., Jamaluddin Ishaq, M. S., & Khasanah, U. (2021). Analysis of the Effect of Spin-Off for Sharia Business Units in Indonesia. Muslim Heritage, 6(1). https://doi.org/10.21154/muslimheritage.v6i1.2851
Regulation as a Legal Basis for the Growth of Islamic Financial Institutions in Indonesia, P., and Challenges, P., Arta, A., Faizatul Ainur Rohmah, Z., Huda, Q., Nurrohman, D., Sharia, E., & Sayyid Ali Rahmatullah, U. (2024). The Role Of Regulation As A Legal Basis For The Growth Of Islamic Financial Institutions In Indonesia: Opportunities And Challenges. Journal of Islamic Economics and Business, 7(1), 1-13. https://doi.org/10.31949/maro.v7i1.5792
Siregar, S. (2023). Spin Off or Sharia Conversion? A Policy Study of the Obligation to Spin Off Sharia Business Units in Indonesia. Innovation. http://jurnal.bappelitbang.sumutprov.go.id/index.php/inovasi/article/view/711
Sp 24/ojk/gkpb/iii/2024. (2024).
SP 81/GKPB/OJK/VII/2023. (2023). No Title. OJK.
Sumut, A. (2024). No Title. https://sumut.antaranews.com/berita/563139/ojk-sumut-bertindak-strategis-naikkan-literasi-inklusi-ekonomi-syariah
Suprayugo, I. (2022). Analysis of Sustainability Factors. Journal of Sharia Economic Dynamics, 9(2), 133-143.
Traphagan, J. W. (2005). Multidimensional measurement of religiousness/spirituality for use in health research in cross-cultural perspective. In Research on Aging (Vol. 27, Issue 4). https://doi.org/10.1177/0164027505276049
Trinugroho, I., Santoso, W., Irawanto, R., & Pamungkas, P. (2021). Is spin-off policy an effective way to improve the performance of Islamic banks? Evidence from Indonesia. Research in International Business and Finance, 56 (September 2020). https://doi.org/10.1016/j.ribaf.2020.101352
Yuli, L. (2019). The concept of decision making. Research Gate, 1(1), 172-186.