Analisis Faktor Implementasi Strategi Pencapaian Tabungan di PT Bank Tabungan Negara (Persero) Tbk
Evryanti Rasari, Gugup Kismono, MBA., Ph.D
2023 | Tesis | S2 MANAJEMEN (MM) JAKARTA
Laba adalah salah satu
indikator positif kinerja Bank untuk meningkatkan nilai perseroan. Upaya untuk
meningkatkan laba Bank salah satunya adalah dengan menurunkan beban bunga. Oleh
sebab itu, salah satu strategi bisnis Bank BTN Tahun 2023 difokuskan pada
penguatan dana biaya murah (low cost funding). Namun, strategi bisnis
ini belum terimplementasi dengan sukses karena struktur pendanaan Bank BTN
masih didominasi oleh dana mahal.
Penelitian ini bertujuan
untuk mengidentifikasi faktor-faktor yang menentukan kesuksesan implementasi
strategi pencapaian tabungan di Bank BTN.
Pendekatan yang digunakan dalam penelitian ini adalah pendekatan
kuantitatif. Sampel yang digunakan dalam penelitian ini adalah Kepala Cabang,
Wakil Kepala Cabang, Branch Funding Unit
Head, Branch Funding Sales dan Sub-Branch Head yang ada di 12 Kantor
Cabang Kanwil 2, dengan total 155 responden. Data penelitian diperoleh dari
hasil pengisian kuesioner dan dianalisis dengan menggunakan teknik analisis
faktor dengan bantuan program SPSS versi 25.
Kesimpulan yang
diperoleh dari hasil penelitian ini adalah 3 faktor
utama yang paling menentukan kesuksesan implementasi strategi pencapaian
tabungan di Bank BTN, yakni dimensi Feedback and Control (loading factor=
0,826), dimensi Managing Change (loading factor=0,822) dan dimensi Perceptions (loading factor=0,814).
Selanjutnya, terdapat 4 faktor lain yang menentukan kesuksesan implementasi
strategi, yaitu Communication (loading factor=0,721), Organization Structure
and Design (loading factor=0,672), Resource allocation (loading factor=0,553), dan
dimensi Senior Management Involvement
(loading factor=0,514). Dalam
penelitian ini, dimensi Project and Programs tidak menjadi faktor
kesuksesan implementasi strategi.
Profit is one of
the positive indicators of the Bank's performance to increase the value of the
company. One of the efforts to increase the Bank's profit is lowering interest
expenses. Therefore, one of Bank BTN's business strategies in 2023 focused on
strengthening low cost funding. However, this business strategy has not been
implemented successfully because Bank BTN's funding structure remains dominated
by expensive funds.
This study aims
to identify the factors that determine the success of the implementation of the
savings achievement strategy at Bank BTN. The approach used in this study is a
quantitative approach. The samples used in this study were Branch Manager,
Deputy Branch Manager, Branch Funding Unit Heads, Branch Funding Sales and Sub-Branch
Heads in 12 Branch Offices Regional 2 totaling 155 respondents. The research
data was obtained from the results of filling out questionnaires and analyzed
using factor analysis techniques with the help of the SPSS program version 25.
The conclusion
obtained from the results of this study is that the 3 main factors that most
determine the success of strategy implementation of the savings at Bank BTN are
the Feedback and Control dimension (loading factor=0.826), the Managing Change
dimension (loading factor=0.822) and the Perceptions dimension (loading
factor=0.814). Furthermore, there are 4 other factors that determine the
success of strategy implementation are Communication (loading factor=0.721),
Organization Structure and Design (loading factor=0.672), Resource Allocation
(loading factor=0.553) and Senior Management Involvement dimension (loading
factor=0.514). In this study, the
Project and Programs dimension is not a factor in the success of strategy
implementation.
Kata Kunci : Analisis faktor, Implementasi Strategi, Dana Murah, Tabungan, Bank BTN / Factor Analysis, Strategy Implementation, Low Cost Funding, Saving Account, Bank BTN
