Formulasi Strategi OCBC dalam Menghadapi Daya Saing Perbankan
Abstract
The aim of this research is to analyze what strategic options a company can make so that it can survive in future situations. The key concept in this research is strategy formulation, where the quantitative method used includes industrial management steps implemented by OCBC in facing banking business competition. The results of research on the internal and external environment reveal OCBC's strengths, weaknesses, opportunities and challenges (SWOT). The SWOT analysis is then entered into several matrices, including EFE and IFE, CPM, TOWS, SPACE, BCG, IE, GSM, and QSPM. The final recommendation obtained is that OCBC's strategy choice is market penetration considering that the market share in Indonesia is still quite large.
References
AB, S. A. (2015). Competitive strategy of banking industry (Studies in Bengkulu province). Jurnal Keuangan Dan Perbankan, 19(3), 439–449. https://doi.org/10.26905/jkdp.v19i3.42.
Ali, B. J., & Anwar, G. (2021a). Marketing strategy: Pricing strategies and its influence on consumer purchasing decision. International Journal of Rural Development, Environment and Health Research, 5(2), 26–39. https://doi.org/10.22161/ijreh.5.2.4.
Ali, B. J., & Anwar, G. (2021b). Porter’s generic competitive strategies and its influence on the competitive advantage. International Journal of Advanced Engineering, Management and Science, 7(6), 42–51. https://doi.org/10.22161/ijaems.76.5.
Aryani, Y. A., & Setiawan, D. (2020). Balanced scorecard: Is it beneficial enough? A literature review. Asian Journal of Accounting Perspectives, 13(1), 65–84. https://doi.org/10.22452/AJAP.vol13no1.4.
Ben-Abdallah, R., Shamout, M., & Alshurideh, M. (2022). Business development strategy model using EFE, IFE and IE analysis in a high-tech company: An empirical study. Academy of Strategic Management Journal, 21(2), 1–9. https://www.researchgate.net/publication/356554800.
Benková, E., Gallo, P., Balogová, B., & Nemec, J. (2020). Factors affecting the use of balanced scorecard in measuring company performance. Sustainability, 12(3), 1178. https://doi.org/10.3390/su12031178.
Burhan, F. A. (2023a). OCBC Indonesia akuisisi 99% saham Bank Commonwealth, nilai transaksi Rp2,2 triliun. Bisnis Indonesia, edisi 16 November. https://finansial.bisnis.com/read/20231116/90/1714953/ocbc-indonesia-akuisisi-99-saham-bank-commonwealth-nilai-transaksi-rp22-triliun#:~:text=Bisnis.com%2C%20JAKARTA%20-%20PT%20Bank%20OCBC%20NISP%20Tbk.,Commonwealth.%20Nilai%20transaksi%20akusisi%20itu%20mencapai%20Rp2%2C2%20triliun.
Burhan, F. A. (2023b). Deretan top 10 bank terbesar Indonesia, nomor satu asetnya tembus Rp2.000 triliun. Bisnis Indonesia, edisi 28 November. https://finansial.bisnis.com/read/20231128/90/1718828/deretan-top-10-bank-terbesar-indonesia-nomor-satu-asetnya-tembus-rp2000-triliun.
Cahya, A. D., Widyastuti, M. L., & Fatharani, H. (2021). Peran perbankan dalam pembiayaan UMKM di tengah pandemi COVID-19. Fidusia: Jurnal Keuangan Dan Perbankan, 4(2), 138–149. https://doi.org/10.24127/jf.v4i2.613.
Dasuki, R. E. (2021). Manajemen strategi: Kajian teori resource based view. Coopetition: Jurnal Ilmiah Manajemen, 12(3), 447-454. https://doi.org/10.32670/coopetition.v12i3.710.
David, F. R., David, F. R., & David, M. E. (2023). Strategic management: A competitive advantage approach concepts and cases (17th ed). Pearson Education Limited.
Demmassabu, F. R., Lapian, S. J., & Tampenawas, J. L. A. (2023). Analisis pengaruh kualitas pelayanan promosi dan inovasi produk terhadap keputusan menjadi nasabah di Bank Sinarmas Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 11(1), 259–270. https://doi.org/10.35794/emba.v11i1.45444.
Fadli, L. H. (2019). Strategic management analisis SWOT pada PT. Gajah Tunggal Tbk. Jurnal Ekonomi Manajemen Sistem Informasi, 1(2), 106–114. https://doi.org/10.38035/jemsi.v1i2.61.
Fatimah, S. B., & Hendratmi, A. (2020). The digitalization of mandiri syariah bank in the middle of competition and technology change. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(4), 795–813. https://doi.org/10.20473/vol7iss20204pp795-813.
Gamayanto, I. (2004). Porter s five forces model Scott Morton s five forces model Bakos Treacy model analyzes strategic information systems management. Jurnal Informatika, 5(2), 127–134. https://doi.org/10.9744/informatika.5.2.pp.%20127-134.
Haidar, M. F., Lestari, P. F., & Utami, R. M. (2023). Strategic analysis of Indonesia’s banking companies in dealing with the COVID-19 pandemic. E3S Web of Conferences, 465, 02011. https://doi.org/10.1051/e3sconf/202346502011.
Indriarti, R., & Chaidir, N. R. (2021). Penerapan quantitative strategic planning matrix (QSPM) untuk merumuskan strategi bisnis. Jurnal Manajemen Dan Sistem Informasi, 20(1), 159–170. https://doi.org/10.17509/manajerial.v20i1.41179.
Irsyad, M. M., Kosim, A. M., & Hakim, M. H. (2018). Pengaruh PDB (Produk domestik bruto), Suku bunga, dan inflasi terhadap profitabilitas bank syariah periode 2014-2017. TAFAQQUH: Jurnal Hukum Ekonomi Syariah Dan Ahwal Syahsiyah, 3(2), 54–75. https://ejournal.kopertais4.or.id/sasambo/index.php/tafaqquh/article/view/3331.
Janiah, S. (2019). Strategic management EFE-IFE matrix, SWOT analysis, competitive profil matrix (CPM) dan BCG matrix pada PT. Yamaha. Jurnal Ekonomi Manajemen Sistem Informasi, 1(2), 188–196. https://doi.org/10.31933/JEMSI.
Kevin, A., & Firdausy, C. M. (2017). Pengaruh penetrasi bank asing terhadap struktur persaingan industri perbankan Indonesia. Jurnal Manajemen Bisnis Dan Kewirausahaan, 1(2), 111–122. https://doi.org/10.24912/jmbk.v1i2.4782.
Khadijah, A., Dhamara, W., & Wijaya, H. (2023). Analisis strategi pemasaran kerupuk mawar di UMKM Citra dengan metode SWOT dan QSPM. Jurnal Intent: Jurnal Industri Dan Teknologi Terpadu, 6(2), 60–73. https://doi.org/10.47080/intent.v6i2.3084.
Latifah, L., & Ritonga, I. (2020). Systematic literature review (SLR): Kompetensi sumber daya insani bagi perkembangan perbankan syariah di Indonesia. Al Maal: Journal of Islamic Economics and Banking, 2(1), 63–80. https://doi.org/10.31000/almaal.v2i1.2763.
Laporan Keuangan dan Tahunan. (2023). Bursa Efek Indonesia. https://www.idx.co.id/id/perusahaan-tercatat/laporan-keuangan-dan-tahunan.
Lestariningsih, I., Asnawi, Y. H., & Saptono, I. T. (2024). Analisis strategi pengembangan bisnis rumah sakit menggunakan IFE, EFE, IE matriks dan SWOT. Management Studies and Entrepreneurship Journal (MSEJ), 5(2), 3433–3444. https://doi.org/10.37385/msej.v5i2.4567.
Linggadjaya, R. I. T., Sitio, B., & Situmorang, P. (2022). Transformasi digital PT. Bank Jago Tbk dari bank konvensional menjadi bank digital. International Journal of Digital Entrepreneurship and Business, 3(1), 9–22. https://doi.org/10.52238/ideb.v3i1.76.
Masitoh, N., Rosidah, E., & Kurniawati, A. (2023). Pengaruh layanan digital banking terhadap kepuasan nasabah pada PT. Bank Negara Indonesia (Persero) Tbk kantor cabang Tasikmalaya. BanKu: Jurnal Perbankan Dan Keuangan, 4(1), 11–16. https://doi.org/10.37058/banku.v4i1.6812.
Muharam, D. R. (2017). Penerapan konsep resources-based view (RBV) dalam upaya mempertahankan keunggulan bersaing perusahaan. Jurnal Ilmu Administrasi: Media Pengembangan Ilmu Dan Praktek Administrasi, 14(1), 82–95. https://doi.org/10.31113/jia.v14i1.4.
Murhadi, W. R. (2024a). Manajemen strategi. Direktorat Penerbitan & Publikasi Ilmiah Universitas Surabaya.
Murhadi, W. R. (2024b). Strategi kontemporer bisnis. Direktorat Penerbitan & Publikasi Ilmiah Universitas Surabaya.
Novita, D., & Husna, N. (2020). Competitive advantage in the company. TECHNOBIZ: International Journal of Business, 3(1), 14–18. https://doi.org/10.33365/tb.v3i1.643.
Nurhayati, S. (2008). Pendekatan QSPM sebagai dasar perumusan strategi peningkatan pendapatan asli daerah Kabupaten Batang, Jawa Tengah. Jurnal Ekonomi Pembangunan, 9(1), 72–82. https://doi.org/10.23917/jep.v9i1.1032.
Nursiana, A. (2015). Pengaruh internet banking, kualitas layanan, reputasi produk, lokasi, terhadap loyalitas nasabah dengan intermediasi kepuasan nasabah. Jurnal Keuangan Dan Perbankan, 19(3), 450–462. https://doi.org/https://doi.org/10.26905/jkdp.v19i3.43.
OCBC. (2022). Laporan tahunan dan laporan keberlanjutan 2022: Transforming customer experiences. https://www.ocbc.id/en/tentang-ocbc-nisp/hubungan-investor/laporan-tahunan.
Panin. (2022). Laporan tahunan 2022: Bergerak maju bersama. https://www.panin.co.id/id/about-panin/hubungan-investor/laporan-keuangan.
Permata Bank. (2022). Laporan tahunan 2022: Maintaining momentum for steady growth. https://www.permatabank.com/en/tentang-kami/hubungan-investor#!/Annual-Report.
Putri, N. T., & Setiawan, A. (2018). Evaluasi strategi bersaing Bank OCBC NISP di segmen emerging business. Universitas Gadjah Mada.
Rahayu, S., & Syafe’i, D. (2022). Pengaruh kualitas pelayanan, harga dan promosi terhadap loyalitas pelanggan melalui kepuasan pelanggan. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 5(2), 2107–2192. https://doi.org/10.36778/jesya.v5i2.808.
Ramadhan, F. F., Ambarwati, N., & Utama, R. E. (2024). Visi, misi, tujuan, sasaran, dan falsafah perusahaan. Musytari: Neraca Manajemen, Akuntansi, Dan Ekonomi, 3(5), 133–142. https://doi.org/10.8734/mnmae.v1i2.359.
Ramdani, E. (2020). Formulasi strategi korporasi dalam ketidakpastian masa depan pasca Covid-19. Jurnal Akuntansi Barelang, 4(2), 17–28. https://doi.org/10.33884/jab.v4i2.1977.
Rengkung, L. R. (2015). Keuntungan kompetitif organisasi dalam perspektif resources based view (RBV). Agri-Sosioekonomi, 11(2A), 1–12. https://doi.org/10.35791/agrsosek.11.2A.2015.9447.
Rianto, M. R., Bukhari, E., & Fikri, A. W. N. (2020). Ancaman pola perilaku finansial teknologi terhadap eksistensi industri perbankan di Indonesia. Jurnal Ilmiah Akuntansi Dan Manajemen, 16(1), 27–32. https://doi.org/10.31599/jiam.v16i1.114.
Siuwandy, N. C., & Wibowo, T. (2020). Pengaruh teknologi finansial terhadap strategi perbankan: Studi kasus Bank OCBC NISP (The influences of financial technology on banking strategies). Conference on Business, Social Sciences and Innovation Technology, 1(1), 418–425. http://journal.uib.ac.id/index.php/cbssit.
Susilo, Y. S. (2010). Peran perbankan dalam pembiayaan UMKM di provinsi DIY. Jurnal Keuangan Dan Perbankan, 14(3), 467–478. https://doi.org/10.26905/jkdp.v14i3.988.
Taherdoost, H., & Madanchian, M. (2021). Determination of business strategies using SWOT analysis; Planning and managing the organizational resources to enhance growth and profitability. Macro Management & Public Policies, 3(1), 19–22. https://doi.org/10.30564/mmpp.v3i1.2748.
Thongsookularn, S. (2019). Strategic formulation meaning, definition and explanation. Humanities, Arts and Social Sciences Studies, 19(3), 418–431. https://doi.org/10.14456/hasss.2019.20.
Tuan, K. M., Trang, K. H., & Quan, N. H. (2022). Comprehensive review of the sources of competitive advantages. Hue University Journal of Science: Economics and Development, 131(5B), 43–62. https://doi.org/10.26459/hueunijed.v131i5B.6828.
Wardhani, F. K., & Dini, A. (2020). Strategy formulation using SWOT analysis, space matrix and QSPM: A conceptual framework. International Journal of Innovative Science and Research Technology, 5(5), 1520–1527. https://ijisrt.com/strategy-formulation-using-swot-analysis-space-matrix-and-qspm-a-conceptual-framework/
Widanti, A. L. (2019). Strategic management. Jurnal Ekonomi Manajemen & Bisnis. 3(1), 15–22. https://doi.org/10.15575/.v3i1.6181.
Copyright (c) 2024 Jenni Jenni, Werner R. Murhadi

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.













