COMPETITIVE STRATEGY MODEL AND ITS IMPACT ON MICRO BUSINESS UNIT OF LOCAL DEVELOPMENT BANKS IN JAWA

Abstract

This study aims to analyze the factors that determine how a bank can successfully improve its competitive strategy in working on MSME credit and lead to the positive performance of the bank's micro business unit at the Regional Development Bank (BPD) in Java. The determinants of the competitive strategy in this study are unique capabilities, dynamic capabilities, organizational culture, market orientation and business partnerships. Then it will analyze the determinants of the performance of the bank's micro business unit. The sample was taken as many as 227 bank micro business units distributed to BPDs in Java with a proportional allocation based on the population of micro business units in each BPD and taken randomly (simple random sampling).