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Formulating Strategy for Increasing and Stabilizing Third-Party Funds Performance: Case Study on PT Bank ABC Sharia Branch Sanusi, Shafira Meutia; Wiryono, Sudarso Kaderi
Journal of Management Economic and Financial Vol. 3 No. 4 (2025): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v3i4.145

Abstract

This study aims to formulate a strategy to increase and stabilize the performance of Third-Party Funds (TPF) at PT Bank ABC Sharia Branch (Sharia Branch). TPF plays a critical role in the bank's operational sustainability and competitiveness, but its growth has been inconsistent due to a combination of internal and external factors. To understand the root causes of this instability, the study uses VRIO, PESTLE and SWOT analysis. VRIO (Value, Rarity, Imitability, Organization), PESTLE (Political, Economic, Social, Technological, Legal, and Environmental), and SWOT (Strengths, Weaknesses, Opportunities, and Threats). The VRIO analysis is employed to assess the internal resources and capabilities of Sharia Branch in order to identify elements that can serve as a sustainable competitive advantage. PESTLE analysis offers a broader understanding of the external environment factors such as regulatory support, economic conditions, technological changes, and the growing interest in Islamic financial services. SWOT analysis then integrates these internal and external insights to comprehensively map the bank’s strengths and weaknesses in relation to emerging opportunities and external threats. The findings of the study indicate that the instability of TPF is primarily caused by weak product differentiation, underdeveloped digital services, limited customer education, and insufficient staff training on sharia-compliant products. Moreover, the lack of effective promotions and outreach activities has led to poor customer engagement. Externally, Sharia Branch is constrained by changing economic conditions and the aggressive expansion of competitors who offer more attractive deposit schemes and seamless digital experiences. The bank also faces negative perceptions about the complexity and limited benefits of Islamic banking products, further affecting public interest and trust. This research contributes to the development of a strategic framework that can be applied to other Islamic banks facing similar challenges.
Developing a Sustainable Integration Model for Sectoral State-Owned Holdings: A Conceptual Framework Grisanto, Raden Gerald Setiawan; Wiryono, Sudarso Kaderi; Sunitiyoso, Yos
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 8 No. 1 (2024): July - December Issue
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v8i1.2615

Abstract

This paper develops a comprehensive conceptual framework aimed at integrating and synergizing Sectoral State-Owned Holdings (SOHs) to significantly enhance their competitiveness and sustainability. The framework is designed to fill critical gaps in the existing literature by addressing key areas, such as value creation, innovation, and strategic alignment, which are essential for the long-term success of SOHs. One of the primary contributions of this framework is its emphasis on the incorporation of non-economic factors, such as customer satisfaction, community engagement, and environmental stewardship, which are increasingly recognized as vital components of sustainable business practices. The framework also delves into the nuanced impact of government intervention on the performance and strategic orientation of SOHs, exploring how state policies and regulations can either enable or hinder their growth and competitive positioning. By providing a structured approach, this framework enables SOHs to leverage their unique resources and capabilities more effectively, ensuring that they achieve sustainable competitive advantages. Furthermore, the framework underscores the importance of aligning SOH strategies with national economic and social objectives, thereby positioning these entities not only as key drivers of economic growth but also as contributors to broader societal well-being. Ultimately, this paper offers a valuable tool for policymakers, managers, and researchers interested in optimizing the performance and strategic impact of SOHs in a dynamic global economy.
Sustainable Performance Model and Strategy: A Conceptual Framework Arifin, Firmansyah; Wiryono, Sudarso Kaderi; Damayanti, Sylviana Maya; Yudoko, Gatot
International Journal of Entrepreneurship and Sustainability Studies Vol. 3 No. 2 (2023): December 2023
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeass.v3i2.1904

Abstract

This study is driven by the conditions of the energy sector, particularly the "oil field service industry" which serves as the main pillar of this sector. The significant oil price drop and the need for cost-cutting among oil and gas producers shows the vulnerabilities in this sector, necessitating improvement. Generally, industries that support key commodities must exhibit strong operational performance that intricately intertwines with the corporate strategy, mitigating potential obstacles, challenges, and business risks in order to achieve sustainable performance. Thus, this research aims to investigate how to develop a sustainable performance model for the industry in helping the industries the current and future business challenges. A systematic literature review was undertaken, encompassing prior studies on sustainable business, performance, and risk management strategies. This study investigates the dynamic interaction between three primary constructs: (1) context-business sustainability, (2) content-performance management, and (3) process-strategy formulation. Finally, gaps in the existing literature were identified and several future research directions were proposed.