Optimizing Aggressive Strategies as Adaptive Action for Rural Banks in Facing Competition In The Digital Banking Era
Rural Banks will identify their internal strengths to be able to seize opportunities to become opportunities for growth as well as in facing threats in the current banking digitalization era. This study aims to formulate a sustainable competitive strategy at PT. BPR X in Jombang Regency, East Java Province using SWOT analysis (Strength, Weakness, Opportunity and Threats). It is hoped that the results of this study can be used as a reference for Rural Banks to compete and build sustainable competitive advantages and contribute to strategic management, especially analysis of the company's internal and external environment. This study uses a qualitative approach with 2 informants, The instrument used is structured interviews. Then the interview results are integrated into the SWOT matrix to be weighted. After that, calculating the difference in each SWOT component and integrating it into a diagram so that you meet the strategic categories according to the difference calculation earlier. The findings of this study are that PT BPR X is in a position to support an aggressive strategy. where this is used as a guideline for several strategies in the 4 (four) quadrants namely SO strategy, WO strategy, ST strategy and WT strategy
Optimizing Aggressive Strategies as Adaptive Action for Rural Banks in Facing Competition In The Digital Banking Era. (2025). Journal of Islamic Economics Perspectives, 6(2), 64-77. https://doi.org/10.35719/qkzq5b45
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References
Adusei, M. (2016). Determinants of bank technical efficiency: Evidence from rural and community banks in Ghana. Cogent Business and Management, 3(1), 1–15. https://doi.org/10.1080/23311975.2016.1199519
Ahmed, J. U. din. (2015). Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks. Global Business Review, 16, 125–139. https://doi.org/10.1177/0972150915601259
Anwar, M., Nidar, S. R., Komara, R., & Layyinaturrobaniyah, L. (2020). Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia. International Journal of Emerging Markets, 15(3), 587–610. https://doi.org/10.1108/IJOEM-11-2017-0494
Anwar, M., Rahman Nidar, S., Komara, R., & Layyinaturrobaniyah, L. (2021). A comparative analysis of rural banks’ efficiency between Bali and West Java provinces in Indonesia. Journal of Sustainable Finance and Investment, 11(4), 330–350. https://doi.org/10.1080/20430795.2020.1735220
Atshan, N. A., Al-Abrrow, H., Abdullah, H. O., Khaw, K. W., Alnoor, A., & Abbas, S. (2022). The effect of perceived organizational politics on responses to job dissatisfaction: The moderating roles of self-efficacy and political skill. Global Business and Organizational Excellence, 41(2), 43–54. https://doi.org/10.1002/joe.22141
Bahador, M. H., Isahak, N., & Razak, N. A. (2019). Implications of Employees Workload in the Banking Industry: A Case of BIMB Branches in the Central 3 Region. 18(2).
Buchdadi, A. D., Nguyen, X. T., Putra, F. R., & Dalimunthe, S. (2020). The effect of credit risk and capital adequacy on financial distress in rural banks. Accounting, 6(6), 967–974. https://doi.org/10.5267/j.ac.2020.7.023
Darmanto, Sri Wardaya dan Titik Dwiyani. (2015). Bauran Orientasi Strategi dan Kinerja Organisasi Penerapan Variabel Antesenden, Moderasi dan Mediasi dalam Penelitian Ilmiah. Penerbit Deepublish, Yogyakarta.
Far, M. ., Haghighi, M., & Jafari, M. . (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Hunger, J. David & Thomas L. Wheelen, (2003) Manajemen Strategi edisi II. Yogyakarta
Jingjit, S., Hafiz All Amin, M., & Techato, K. A. (2021). Alternative Water Heating Technologies Replaced Instantaneous Water Heater in Hotel Sector – a SWOT-AHP Analysis. TEM Journal, 10(2), 498–507. https://doi.org/10.18421/TEM102-03
Kohardinata, C., Suhardianto, N., & Tjahjadi, B. (2020). Peer-to-peer lending platform: From substitution to complementary for rural banks. Business: Theory and Practice, 21(2), 713–722. https://doi.org/10.3846/btp.2020.12606
Kotler, Philip & Armstrong, Garry, (2008). Prinsip-prinsip Pemasaran,Jilid 1, Erlangga, Jakarta.
Kusnandar, R. (2013). TINJAUAN HUKUM TERHADAP PEMBERIAN KREDIT OLEH BANK PERKREDITAN RAKYAT ( BPR) BERKAITAN DENGAN JAMINAN. 01(02), 57–67.
Lakshmi, L., & Manoj, P. K. (2017). Service quality in rural banking in North Kerala: A comparative study of kannur district co-operative bank and Kerala Gramin bank. International Journal of Applied Business and Economic Research, 15(18), 209–220.
Lokesha, Hawaldar, I. T., & Ishwara, P. (2017). An evaluation of pre-and post sanction process in agriculture credit by banks. International Journal of Economic Research, 14(14), 151–165.
Manurung, E. T., & Manurung, E. M. (2019). A new approach of bank credit assessment for SMES. Academy of Accounting and Financial Studies Journal, 23(3).
Megicks, P., Mishra, A., & Lean, J. (2005). Enhancing microfinance outreach through market-oriented new service development in Indian regional rural banks. International Journal of Bank Marketing, 23(1 SPEC. ISS.), 107–125. https://doi.org/10.1108/02652320510577393
Moleong Lexy J. (2005). Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya.
Momani, A., Al-Hawari, T., & Tahat, S. (2021). A framework to diagnose the business and evaluate upgrade plans in smes. Management and Production Engineering Review, 12(3), 25–39. https://doi.org/10.24425/mper.2021.138528
Ozbek, A., Pabuccu, H., & Esmer, Y. (2020). Strategy development for the turkish ready-made garment sector using swot analysis – fuzzy topsis method. Fibres and Textiles in Eastern Europe, 28(4), 15–22. https://doi.org/10.5604/01.3001.0014.0928
Pakpahan, Manuntun. (2016). Manajemen Pemasaran. Medan: CV. Rural Development Service.
Rangkuti, Freedy (2009). Analisis SWOT: Teknik Membedah Kasus Bisnis. Jakarta: Gramedia Pustaka Utama
Riahi Dorcheh, F., Razavi Hajiagha, S. H., Rahbari, M., Jafari-Sadeghi, V., & Amoozad Mahdiraji, H. (2021). Identification, analysis and improvement of red meat supply chain strategies considering the impact of COVID-19 pandemic: a hybrid SWOT-QSPM approach in an emerging economy. British Food Journal, 123(12), 4194–4223. https://doi.org/10.1108/BFJ-09-2020-0865
Singapurwoko, A. (2019). Do Financial Technology Startups Disrupt Business and Performance of Financial Institutions in Indonesia?? International Journal of Business and Management Science Chief Editor?: Mohammad Safa Do Financial Technology Startups Disrupt Business and Performa. International Journal of Business and Management Service, 9(1), 67–81.
Sinha, A. A., Rajendran, S., Nazareth, R. P., Lee, W., & Ullah, S. (2020). Improving the service quality of telecommunication companies using online customer and employee review analysis. Quality Management Journal, 27(4), 182–199. https://doi.org/10.1080/10686967.2020.1809581
Subia, P. M. G., & Corpuz, R. R. (2020). Archiving and digitizing of customer records of golden rural bank of the Philippines, Inc. International Journal of Scientific and Technology Research, 9(1), 1820–1823.
Syamsul Arifin, M. F. F. A. A. F. (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Umar, Husein (2010). Desain penelitian manajemen strategik. Jakarta : Rajawali press
Wardoyo, P., Rusdianti, E., & Purwantini, S. (2019). Salesforceperformance of rural bank: The impact of sales trainingand experince selling. International Journal of Scientific and Technology Research, 8(9), 1079–1087.
Adusei, M. (2016). Determinants of bank technical efficiency: Evidence from rural and community banks in Ghana. Cogent Business and Management, 3(1), 1–15. https://doi.org/10.1080/23311975.2016.1199519
Ahmed, J. U. din. (2015). Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks. Global Business Review, 16, 125–139. https://doi.org/10.1177/0972150915601259
Anwar, M., Nidar, S. R., Komara, R., & Layyinaturrobaniyah, L. (2020). Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia. International Journal of Emerging Markets, 15(3), 587–610. https://doi.org/10.1108/IJOEM-11-2017-0494
Anwar, M., Rahman Nidar, S., Komara, R., & Layyinaturrobaniyah, L. (2021). A comparative analysis of rural banks’ efficiency between Bali and West Java provinces in Indonesia. Journal of Sustainable Finance and Investment, 11(4), 330–350. https://doi.org/10.1080/20430795.2020.1735220
Atshan, N. A., Al-Abrrow, H., Abdullah, H. O., Khaw, K. W., Alnoor, A., & Abbas, S. (2022). The effect of perceived organizational politics on responses to job dissatisfaction: The moderating roles of self-efficacy and political skill. Global Business and Organizational Excellence, 41(2), 43–54. https://doi.org/10.1002/joe.22141
Bahador, M. H., Isahak, N., & Razak, N. A. (2019). Implications of Employees Workload in the Banking Industry: A Case of BIMB Branches in the Central 3 Region. 18(2).
Buchdadi, A. D., Nguyen, X. T., Putra, F. R., & Dalimunthe, S. (2020). The effect of credit risk and capital adequacy on financial distress in rural banks. Accounting, 6(6), 967–974. https://doi.org/10.5267/j.ac.2020.7.023
Darmanto, Sri Wardaya dan Titik Dwiyani. (2015). Bauran Orientasi Strategi dan Kinerja Organisasi Penerapan Variabel Antesenden, Moderasi dan Mediasi dalam Penelitian Ilmiah. Penerbit Deepublish, Yogyakarta.
Far, M. ., Haghighi, M., & Jafari, M. . (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Hunger, J. David & Thomas L. Wheelen, (2003) Manajemen Strategi edisi II. Yogyakarta
Jingjit, S., Hafiz All Amin, M., & Techato, K. A. (2021). Alternative Water Heating Technologies Replaced Instantaneous Water Heater in Hotel Sector – a SWOT-AHP Analysis. TEM Journal, 10(2), 498–507. https://doi.org/10.18421/TEM102-03
Kohardinata, C., Suhardianto, N., & Tjahjadi, B. (2020). Peer-to-peer lending platform: From substitution to complementary for rural banks. Business: Theory and Practice, 21(2), 713–722. https://doi.org/10.3846/btp.2020.12606
Kotler, Philip & Armstrong, Garry, (2008). Prinsip-prinsip Pemasaran,Jilid 1, Erlangga, Jakarta.
Kusnandar, R. (2013). TINJAUAN HUKUM TERHADAP PEMBERIAN KREDIT OLEH BANK PERKREDITAN RAKYAT ( BPR) BERKAITAN DENGAN JAMINAN. 01(02), 57–67.
Lakshmi, L., & Manoj, P. K. (2017). Service quality in rural banking in North Kerala: A comparative study of kannur district co-operative bank and Kerala Gramin bank. International Journal of Applied Business and Economic Research, 15(18), 209–220.
Lokesha, Hawaldar, I. T., & Ishwara, P. (2017). An evaluation of pre-and post sanction process in agriculture credit by banks. International Journal of Economic Research, 14(14), 151–165.
Manurung, E. T., & Manurung, E. M. (2019). A new approach of bank credit assessment for SMES. Academy of Accounting and Financial Studies Journal, 23(3).
Megicks, P., Mishra, A., & Lean, J. (2005). Enhancing microfinance outreach through market-oriented new service development in Indian regional rural banks. International Journal of Bank Marketing, 23(1 SPEC. ISS.), 107–125. https://doi.org/10.1108/02652320510577393
Moleong Lexy J. (2005). Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya.
Momani, A., Al-Hawari, T., & Tahat, S. (2021). A framework to diagnose the business and evaluate upgrade plans in smes. Management and Production Engineering Review, 12(3), 25–39. https://doi.org/10.24425/mper.2021.138528
Ozbek, A., Pabuccu, H., & Esmer, Y. (2020). Strategy development for the turkish ready-made garment sector using swot analysis – fuzzy topsis method. Fibres and Textiles in Eastern Europe, 28(4), 15–22. https://doi.org/10.5604/01.3001.0014.0928
Pakpahan, Manuntun. (2016). Manajemen Pemasaran. Medan: CV. Rural Development Service.
Rangkuti, Freedy (2009). Analisis SWOT: Teknik Membedah Kasus Bisnis. Jakarta: Gramedia Pustaka Utama
Riahi Dorcheh, F., Razavi Hajiagha, S. H., Rahbari, M., Jafari-Sadeghi, V., & Amoozad Mahdiraji, H. (2021). Identification, analysis and improvement of red meat supply chain strategies considering the impact of COVID-19 pandemic: a hybrid SWOT-QSPM approach in an emerging economy. British Food Journal, 123(12), 4194–4223. https://doi.org/10.1108/BFJ-09-2020-0865
Singapurwoko, A. (2019). Do Financial Technology Startups Disrupt Business and Performance of Financial Institutions in Indonesia?? International Journal of Business and Management Science Chief Editor?: Mohammad Safa Do Financial Technology Startups Disrupt Business and Performa. International Journal of Business and Management Service, 9(1), 67–81.
Sinha, A. A., Rajendran, S., Nazareth, R. P., Lee, W., & Ullah, S. (2020). Improving the service quality of telecommunication companies using online customer and employee review analysis. Quality Management Journal, 27(4), 182–199. https://doi.org/10.1080/10686967.2020.1809581
Subia, P. M. G., & Corpuz, R. R. (2020). Archiving and digitizing of customer records of golden rural bank of the Philippines, Inc. International Journal of Scientific and Technology Research, 9(1), 1820–1823.
Syamsul Arifin, M. F. F. A. A. F. (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Umar, Husein (2010). Desain penelitian manajemen strategik. Jakarta : Rajawali press
Wardoyo, P., Rusdianti, E., & Purwantini, S. (2019). Salesforceperformance of rural bank: The impact of sales trainingand experince selling. International Journal of Scientific and Technology Research, 8(9), 1079–1087.
Ahmed, J. U. din. (2015). Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks. Global Business Review, 16, 125–139. https://doi.org/10.1177/0972150915601259
Anwar, M., Nidar, S. R., Komara, R., & Layyinaturrobaniyah, L. (2020). Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia. International Journal of Emerging Markets, 15(3), 587–610. https://doi.org/10.1108/IJOEM-11-2017-0494
Anwar, M., Rahman Nidar, S., Komara, R., & Layyinaturrobaniyah, L. (2021). A comparative analysis of rural banks’ efficiency between Bali and West Java provinces in Indonesia. Journal of Sustainable Finance and Investment, 11(4), 330–350. https://doi.org/10.1080/20430795.2020.1735220
Atshan, N. A., Al-Abrrow, H., Abdullah, H. O., Khaw, K. W., Alnoor, A., & Abbas, S. (2022). The effect of perceived organizational politics on responses to job dissatisfaction: The moderating roles of self-efficacy and political skill. Global Business and Organizational Excellence, 41(2), 43–54. https://doi.org/10.1002/joe.22141
Bahador, M. H., Isahak, N., & Razak, N. A. (2019). Implications of Employees Workload in the Banking Industry: A Case of BIMB Branches in the Central 3 Region. 18(2).
Buchdadi, A. D., Nguyen, X. T., Putra, F. R., & Dalimunthe, S. (2020). The effect of credit risk and capital adequacy on financial distress in rural banks. Accounting, 6(6), 967–974. https://doi.org/10.5267/j.ac.2020.7.023
Darmanto, Sri Wardaya dan Titik Dwiyani. (2015). Bauran Orientasi Strategi dan Kinerja Organisasi Penerapan Variabel Antesenden, Moderasi dan Mediasi dalam Penelitian Ilmiah. Penerbit Deepublish, Yogyakarta.
Far, M. ., Haghighi, M., & Jafari, M. . (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Hunger, J. David & Thomas L. Wheelen, (2003) Manajemen Strategi edisi II. Yogyakarta
Jingjit, S., Hafiz All Amin, M., & Techato, K. A. (2021). Alternative Water Heating Technologies Replaced Instantaneous Water Heater in Hotel Sector – a SWOT-AHP Analysis. TEM Journal, 10(2), 498–507. https://doi.org/10.18421/TEM102-03
Kohardinata, C., Suhardianto, N., & Tjahjadi, B. (2020). Peer-to-peer lending platform: From substitution to complementary for rural banks. Business: Theory and Practice, 21(2), 713–722. https://doi.org/10.3846/btp.2020.12606
Kotler, Philip & Armstrong, Garry, (2008). Prinsip-prinsip Pemasaran,Jilid 1, Erlangga, Jakarta.
Kusnandar, R. (2013). TINJAUAN HUKUM TERHADAP PEMBERIAN KREDIT OLEH BANK PERKREDITAN RAKYAT ( BPR) BERKAITAN DENGAN JAMINAN. 01(02), 57–67.
Lakshmi, L., & Manoj, P. K. (2017). Service quality in rural banking in North Kerala: A comparative study of kannur district co-operative bank and Kerala Gramin bank. International Journal of Applied Business and Economic Research, 15(18), 209–220.
Lokesha, Hawaldar, I. T., & Ishwara, P. (2017). An evaluation of pre-and post sanction process in agriculture credit by banks. International Journal of Economic Research, 14(14), 151–165.
Manurung, E. T., & Manurung, E. M. (2019). A new approach of bank credit assessment for SMES. Academy of Accounting and Financial Studies Journal, 23(3).
Megicks, P., Mishra, A., & Lean, J. (2005). Enhancing microfinance outreach through market-oriented new service development in Indian regional rural banks. International Journal of Bank Marketing, 23(1 SPEC. ISS.), 107–125. https://doi.org/10.1108/02652320510577393
Moleong Lexy J. (2005). Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya.
Momani, A., Al-Hawari, T., & Tahat, S. (2021). A framework to diagnose the business and evaluate upgrade plans in smes. Management and Production Engineering Review, 12(3), 25–39. https://doi.org/10.24425/mper.2021.138528
Ozbek, A., Pabuccu, H., & Esmer, Y. (2020). Strategy development for the turkish ready-made garment sector using swot analysis – fuzzy topsis method. Fibres and Textiles in Eastern Europe, 28(4), 15–22. https://doi.org/10.5604/01.3001.0014.0928
Pakpahan, Manuntun. (2016). Manajemen Pemasaran. Medan: CV. Rural Development Service.
Rangkuti, Freedy (2009). Analisis SWOT: Teknik Membedah Kasus Bisnis. Jakarta: Gramedia Pustaka Utama
Riahi Dorcheh, F., Razavi Hajiagha, S. H., Rahbari, M., Jafari-Sadeghi, V., & Amoozad Mahdiraji, H. (2021). Identification, analysis and improvement of red meat supply chain strategies considering the impact of COVID-19 pandemic: a hybrid SWOT-QSPM approach in an emerging economy. British Food Journal, 123(12), 4194–4223. https://doi.org/10.1108/BFJ-09-2020-0865
Singapurwoko, A. (2019). Do Financial Technology Startups Disrupt Business and Performance of Financial Institutions in Indonesia?? International Journal of Business and Management Science Chief Editor?: Mohammad Safa Do Financial Technology Startups Disrupt Business and Performa. International Journal of Business and Management Service, 9(1), 67–81.
Sinha, A. A., Rajendran, S., Nazareth, R. P., Lee, W., & Ullah, S. (2020). Improving the service quality of telecommunication companies using online customer and employee review analysis. Quality Management Journal, 27(4), 182–199. https://doi.org/10.1080/10686967.2020.1809581
Subia, P. M. G., & Corpuz, R. R. (2020). Archiving and digitizing of customer records of golden rural bank of the Philippines, Inc. International Journal of Scientific and Technology Research, 9(1), 1820–1823.
Syamsul Arifin, M. F. F. A. A. F. (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Umar, Husein (2010). Desain penelitian manajemen strategik. Jakarta : Rajawali press
Wardoyo, P., Rusdianti, E., & Purwantini, S. (2019). Salesforceperformance of rural bank: The impact of sales trainingand experince selling. International Journal of Scientific and Technology Research, 8(9), 1079–1087.
Adusei, M. (2016). Determinants of bank technical efficiency: Evidence from rural and community banks in Ghana. Cogent Business and Management, 3(1), 1–15. https://doi.org/10.1080/23311975.2016.1199519
Ahmed, J. U. din. (2015). Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks. Global Business Review, 16, 125–139. https://doi.org/10.1177/0972150915601259
Anwar, M., Nidar, S. R., Komara, R., & Layyinaturrobaniyah, L. (2020). Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia. International Journal of Emerging Markets, 15(3), 587–610. https://doi.org/10.1108/IJOEM-11-2017-0494
Anwar, M., Rahman Nidar, S., Komara, R., & Layyinaturrobaniyah, L. (2021). A comparative analysis of rural banks’ efficiency between Bali and West Java provinces in Indonesia. Journal of Sustainable Finance and Investment, 11(4), 330–350. https://doi.org/10.1080/20430795.2020.1735220
Atshan, N. A., Al-Abrrow, H., Abdullah, H. O., Khaw, K. W., Alnoor, A., & Abbas, S. (2022). The effect of perceived organizational politics on responses to job dissatisfaction: The moderating roles of self-efficacy and political skill. Global Business and Organizational Excellence, 41(2), 43–54. https://doi.org/10.1002/joe.22141
Bahador, M. H., Isahak, N., & Razak, N. A. (2019). Implications of Employees Workload in the Banking Industry: A Case of BIMB Branches in the Central 3 Region. 18(2).
Buchdadi, A. D., Nguyen, X. T., Putra, F. R., & Dalimunthe, S. (2020). The effect of credit risk and capital adequacy on financial distress in rural banks. Accounting, 6(6), 967–974. https://doi.org/10.5267/j.ac.2020.7.023
Darmanto, Sri Wardaya dan Titik Dwiyani. (2015). Bauran Orientasi Strategi dan Kinerja Organisasi Penerapan Variabel Antesenden, Moderasi dan Mediasi dalam Penelitian Ilmiah. Penerbit Deepublish, Yogyakarta.
Far, M. ., Haghighi, M., & Jafari, M. . (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Hunger, J. David & Thomas L. Wheelen, (2003) Manajemen Strategi edisi II. Yogyakarta
Jingjit, S., Hafiz All Amin, M., & Techato, K. A. (2021). Alternative Water Heating Technologies Replaced Instantaneous Water Heater in Hotel Sector – a SWOT-AHP Analysis. TEM Journal, 10(2), 498–507. https://doi.org/10.18421/TEM102-03
Kohardinata, C., Suhardianto, N., & Tjahjadi, B. (2020). Peer-to-peer lending platform: From substitution to complementary for rural banks. Business: Theory and Practice, 21(2), 713–722. https://doi.org/10.3846/btp.2020.12606
Kotler, Philip & Armstrong, Garry, (2008). Prinsip-prinsip Pemasaran,Jilid 1, Erlangga, Jakarta.
Kusnandar, R. (2013). TINJAUAN HUKUM TERHADAP PEMBERIAN KREDIT OLEH BANK PERKREDITAN RAKYAT ( BPR) BERKAITAN DENGAN JAMINAN. 01(02), 57–67.
Lakshmi, L., & Manoj, P. K. (2017). Service quality in rural banking in North Kerala: A comparative study of kannur district co-operative bank and Kerala Gramin bank. International Journal of Applied Business and Economic Research, 15(18), 209–220.
Lokesha, Hawaldar, I. T., & Ishwara, P. (2017). An evaluation of pre-and post sanction process in agriculture credit by banks. International Journal of Economic Research, 14(14), 151–165.
Manurung, E. T., & Manurung, E. M. (2019). A new approach of bank credit assessment for SMES. Academy of Accounting and Financial Studies Journal, 23(3).
Megicks, P., Mishra, A., & Lean, J. (2005). Enhancing microfinance outreach through market-oriented new service development in Indian regional rural banks. International Journal of Bank Marketing, 23(1 SPEC. ISS.), 107–125. https://doi.org/10.1108/02652320510577393
Moleong Lexy J. (2005). Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya.
Momani, A., Al-Hawari, T., & Tahat, S. (2021). A framework to diagnose the business and evaluate upgrade plans in smes. Management and Production Engineering Review, 12(3), 25–39. https://doi.org/10.24425/mper.2021.138528
Ozbek, A., Pabuccu, H., & Esmer, Y. (2020). Strategy development for the turkish ready-made garment sector using swot analysis – fuzzy topsis method. Fibres and Textiles in Eastern Europe, 28(4), 15–22. https://doi.org/10.5604/01.3001.0014.0928
Pakpahan, Manuntun. (2016). Manajemen Pemasaran. Medan: CV. Rural Development Service.
Rangkuti, Freedy (2009). Analisis SWOT: Teknik Membedah Kasus Bisnis. Jakarta: Gramedia Pustaka Utama
Riahi Dorcheh, F., Razavi Hajiagha, S. H., Rahbari, M., Jafari-Sadeghi, V., & Amoozad Mahdiraji, H. (2021). Identification, analysis and improvement of red meat supply chain strategies considering the impact of COVID-19 pandemic: a hybrid SWOT-QSPM approach in an emerging economy. British Food Journal, 123(12), 4194–4223. https://doi.org/10.1108/BFJ-09-2020-0865
Singapurwoko, A. (2019). Do Financial Technology Startups Disrupt Business and Performance of Financial Institutions in Indonesia?? International Journal of Business and Management Science Chief Editor?: Mohammad Safa Do Financial Technology Startups Disrupt Business and Performa. International Journal of Business and Management Service, 9(1), 67–81.
Sinha, A. A., Rajendran, S., Nazareth, R. P., Lee, W., & Ullah, S. (2020). Improving the service quality of telecommunication companies using online customer and employee review analysis. Quality Management Journal, 27(4), 182–199. https://doi.org/10.1080/10686967.2020.1809581
Subia, P. M. G., & Corpuz, R. R. (2020). Archiving and digitizing of customer records of golden rural bank of the Philippines, Inc. International Journal of Scientific and Technology Research, 9(1), 1820–1823.
Syamsul Arifin, M. F. F. A. A. F. (2022). Designing a Strategic Human Resource Planning Model: A Case of Export Development Bank of Iran. Global Business Review, 2.
Umar, Husein (2010). Desain penelitian manajemen strategik. Jakarta : Rajawali press
Wardoyo, P., Rusdianti, E., & Purwantini, S. (2019). Salesforceperformance of rural bank: The impact of sales trainingand experince selling. International Journal of Scientific and Technology Research, 8(9), 1079–1087.
2025-10-20
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Optimizing Aggressive Strategies as Adaptive Action for Rural Banks in Facing Competition In The Digital Banking Era. (2025). Journal of Islamic Economics Perspectives, 6(2), 64-77. https://doi.org/10.35719/qkzq5b45
