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IF 1 Q4 BUSINESS International Journal of Asian Business and Information Management Pub Date : 2023-07-03 DOI:10.55927/ijabm.v2i3.4834

Nurul Pratiwi Hadi, A. Ahadiat

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引用次数: 0

摘要

印尼人正在意识到安全和有利可图的储蓄的重要性。因此，银行投资的考虑正在增加。人们投资于人民信用银行(BPR)，而不是传统银行。此外，BPR还提供乡村贷款。农村银行(BPR)帮助了许多中小企业。本研究考察了PT. People's Credit Bank (Citra Dana Mandiri)的外部和内部环境，并确定了其最佳替代策略。本研究使用了IFE、EFE、SWOT、IE、QSPM等分析工具。不良贷款和市场份额是PT BPR Citra Dana Mandiri最大的内部优势。PT BPR Citra Dana Mandiri最大的弱点是缺乏手机银行和两个分支机构。汽车爱好者是一个主要的外部因素。南榜省中小微企业的增长，竞争对手积极争夺市场份额，并提供信贷和设施。TAS/总活跃度评分QSPM，第一个战略选择PT BPR Citra Dana Mandiri优先考虑，是市场渗透。市场渗透率可以估计PT BPR Citra Dana Mandiri的潜在市场

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

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

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来源期刊

International Journal of Asian Business and Information Management BUSINESS-

CiteScore

2.80

自引率

0.00%

发文量

期刊介绍： The mission of the International Journal of Asian Business and Information Management (IJABIM) is to establish an effective channel of communication between academic and research institutions, policy makers, government agencies, and individuals concerned with the complexities of Asian business, information technologies, sustained development, and globalization. IJABIM promotes and coordinates developments in the field of Asian and Chinese studies, as well as presents strategic roles of IT and management towards sustainable development with emphasis on practical aspects in Asia. It is especifically focused on Central Asia/Himalayan region/Southeast Asia/Far East.