Banking Strategies Research Articles

The effect of short-term refrigeration on platelet responsiveness

Storage of platelet concentrates (PC) at cold temperature (CT) is discussed as an alternative to the current standard of storage at room temperature (RT). Recently, we could show that cold-induced attenuation of inhibitory signaling is an important mechanism promoting platelet reactivity. For developing strategies in blood banking, it is required to elucidate the time-dependent onset of facilitated platelet activation. Thus, freshly prepared platelet-rich-plasma (PRP) was stored for 1 and 2 h at CT (2–6 °C) or at RT (20–24 °C), followed by subsequent comparative analysis. Compared to RT, basal and induced vasodilator-stimulated phosphoprotein (VASP) phosphorylation levels were decreased under CT within 1 h by approximately 20%, determined by Western blot analysis and flow cytometry. Concomitantly, ADP- and collagen-induced threshold aggregation values were enhanced by up to 30–40%. Furthermore, platelet-covered areas on collagen-coated slides and aggregate formation under flow conditions were increased after storage at CT, in addition to induced activation markers. In conclusion, a time period of 1–2 h for refrigeration is sufficient to induce an attenuation of inhibitory signaling, accompanied with an enhancement of platelet responsiveness. Short-term refrigeration may be considered as a rational approach to obtain PC with higher functional reactivity for the treatment of hemorrhage.

Central Bank Digital Currencies: considerations for a not-too-distant future

The central bank digital currencies (CBDC) are subjects of the rising interest of central banks from advanced and emerging economies. Given the relevance and topicality of the subject, this paper seeks to organize the debate that encompasses what is understood as CBDC in the recent international literature, as well as to analyze the possible implications of its implementation. Given that CBDC may assume various forms, there’s still high uncertainty regarding its potential costs and benefits. The decisions concerning the features of the CBDC may have deep implications on various aspects such as the resilience of the domestic financial system, monetary policy effectiveness, functioning of the credit system, and means of payments, among others. Despite the uncertainty associated with the range of possible CBDC architectures, we argue that the strategies of the central banks regarding CBDC may be seen as defensive, as a way to keep up with the technological and cultural changes whilst managing to conduct the process and sustain its central role on the financial system.

Bank Portfolio Allocation Strategy and Its Probability of Failure: Case of the Russian Banking Sector Purge

This paper aims to discover portfolio allocation strategies that facilitate a bank’s stability. The paper examines the phenomenon of massive failures of Russian banks in the period from 2013 to 2019, in order to identify which of the banks’ strategic decisions regarding assets and liabilities, as well as portfolio structure, lead to higher stability. The dataset contains financial indicators and prudential ratios of 895 commercial banks operating in Russia during that period. 507 banks, or 57% of all banks, lost their license during the considered period. Cases of bank failures were classified depending on whether the Central Bank identified any illegal activities conducted by the failed bank. The high failure rate provides an opportunity to study the differences between failed and non-failed banks in order to determine the factors associated with lowerfailure probability. Following the approach applied in most of the previous studies, we use a logistic regression to model the effect of different asset and liability portfolio structure on the failure probability. The hypothesis that failure probability of a bank is affected by its strategic focus of forming an assets and liabilities portfolio was statistically confirmed. We found that the focus of a bank’s activity on providing loans to individuals and attracting deposits from companies leads to lower failure probability, confirming the results of previous studies. Also, we found that more active cooperation with other banks in terms of both borrowing and lending is associated with lower failure probability. Furthermore, we found that banks are less likely to borrow from or lend money to their fellow banks that later fail with illegal activity accusations.Finally, we found that unlike the EU banks, Russian banks with higher profitability ratios are more stable. The results are relevant for industry practitioners in facilitating the development of a more resilient bank strategy, as well as for regulators for incorporation in early warning models.

Development Strategy of PPM Al-Kautsar Micro Waqf Bank in Lima Puluh Kota Regency

This research aims to find out and analyze the development strategy of the PPM Al-Kautsar Micro Waqf Bank in the Lima Puluh Kota Regency. The data analysis technique used is the SWOT analysis method (Strenght, Weakness, Opportunity, Threats). Based on the results of the SWOT matrix analysis, it is known that the strategy that can be carried out in developing a Micro Waqf Bank is stratetgi SO by using all strengths to take advantage of existing opportunities. The strategy is consistency of low mentoring services (ju'alah, without collateral and interest by utilizing government restructuring programs, utilizing the role of kyai in establishing good cooperation and building trust with institutions, local governments, the community socializing the existence of BWM, carrying out Halmi routines during a pandemic virtually and directly by complying with health protocols in providing education, direction, education to customers, improving the quality of services and products even though it already exists with a ball pick-up system, optimizing the empowerment of mentoring through digital so that customers can survive during the pandemic despite social restrictions but empowerment continues to run. The strategy of developing BWM is to use BWM digitalization in providing virtual education, promoting customer products through e-commerce and social media, utilizing the role of kiyai in socializing BWM programs to the community Penelitain ini bertujuan untuk mengetahui strategi pengembangan Bank Wakaf Mikro PPM Al-Kautsar di Kabupaten Lima Puluh Kota?. Teknik analisis data yang digunakan adalah metode analisis SWOT (Strenght, Weakness,Opportunity, Threats). berdasarkan hasil analisis matriks SWOT diketahui bahwa strategi yang dapat dilakukan dalam mengembangkan Bank Wakaf Mikro yaitu Stratetgi SO dengan menggunakan seluruh kekuatan unuk memanfaatkan peluang yang ada. Strateginya adalah Konsistensi jasa pendampingan rendah (jualah, tanpa agunan dan bunga dengan memanfaatkan program restrukturisasi pemerintah, memanfaatkan peran kiyai dalam menjalin kerja sama yang baik dan membangun kepercayaan dengan lembaga, pemerintah setempat, masyarakat mensosialisasikan keberadaan BWM, melakukan rutinitas Halmi saat pandemic secara virtual dan langsung dengan mematuhi protokol kesehatan dalam memberikan edukasi, arahan, pendidikan kepada nasabah, meningkatkan kualitas pelayanan dan produk meski sudah ada dengan sistem jemput bola, optimalisasi pemberdayaan pendampingan melalui digital supaya nasabah tetap bertahan saat pandemi meskipun adanya pembatasan sosial tetapi pemberdayaan tetap berjalan. Strategi mengembangkan BWM yaitu menggunakan digitalisasi BWM dalam memberikan edukasi secara virtual, mempromosikan produk-produk nasabah melalui e-commerce dan media sosial, memanfaatkan peran kiyai dalam mensosialisasikan program BWM kepada masyarakat.

Predicting the mediating effect of resource orchestration on the relationship between leadership strategy and the resilience of Kenyan Listed Banks

The objective of this study was to quantitatively assess the mediating effect of resource orchestration on the relationship between leadership strategy and organisational resilience of banks listed in the Nairobi Securities Exchange with an objective to contribute to knowledge production in the Global South using Kenya as the vantage point. The study applied a correlation research design, and data was gathered from a stratified random sample of 184 senior managers drawn across the 12 listed banks, wherein Likert-scale questionnaires were administered to the research participants online. Partial Least Squares Structural Equation Modelling was deployed for data analysis using SmartPLS software. Results showed that the mediated path explained 79.1% of the variance in organisational resilience (R2=0.791). The results were validated with a Sobel test that found a significant partial mediation in the model with Z=6.380 (p<0.05). The study inferred a strong and statistically significant mediation power of resource orchestration in the leadership strategy-organisational resilience nexus. Resource Orchestration Pecking Order was proposed as an outcome of the empirical analysis, and future research directions were suggested.

From White Collar to Influencer Marketing? How Banks Can Reach Young Customers

Banks distribute intangible services, so that traditional marketing instruments are often limited concerning their effectiveness to reach new clients, especially teenagers and young adults. With respect to this relevant practical problem, we used survey data for the relevant group (n = 302) in Austria to investigate whether influencer marketing could be a banking strategy to reach the young generation. Due to the particular complexity of a financial product, we assume that the credibility and trustworthiness of an influencer can lead to respondents being more willing to engage with financial products. Based on our survey results, we can provide first evidence that influencer marketing also has untapped potential for banks. Although our respondents revealed a certain skepticism towards this form of marketing, the results indicate a weak positive correlation between influencer marketing, customer engagement with the subject of financial products and ultimately the purchase of financial products. In this respect, our results are of particular interest to decision-makers in banks. However, they are also relevant for the whole of society. If influencer marketing works for financial products, then other topics that are particularly sensitive, e.g., health care, could be addressed accordingly.

A Two-Staged SEM-Artificial Neural Network Approach to Analyze the Impact of FinTech Adoption on the Sustainability Performance of Banking Firms: The Mediating Effect of Green Finance and Innovation

This study aims to examine the effect of FinTech adoption on the sustainability performance of banking institutions in an emerging economy such as Bangladesh. Besides, this study also investigates the mediating role of green finance and green innovation in the relationship between FinTech adoption and sustainability performance. To examine the relationship among the study variables, this study used data from 351 employees of banking institutions operating in Bangladesh during the period January to March 2021 using a convenience sampling method. Furthermore, the study utilized a two-staged structural equation modeling and an artificial neural network (SEM-ANN) approach to analyze the data. The findings show that FinTech adoption significantly influences green finance, green innovation, and sustainability performance. Similarly, the results indicate that green finance and green innovation have a significant positive influence on sustainability performance. Furthermore, the results reveal that green finance and green innovation fully mediate the relationship between FinTech adoption and the sustainability performance of banking institutions. Moreover, the present study contributes to the existing literature on technological innovation, green finance, and sustainability performance greatly as it is the first study to examine both linear and non-linear relationships among these variables using the SEM-ANN approach. As a result, the study highlights the importance of FinTech adoption, green finance, and innovation in the attainment of sustainability performance, as well as the urgent need to incorporate new technologies, green initiatives, and financing into banking strategies to help achieve the country’s sustainable economic development.

EFFECTS OF OPERATIONAL STRATEGIES ON PERFORMANCE OF COMMERCIAL BANKS IN MAKUENI COUNTY, KENYA

Purpose: The purpose of this study was to determine the effect of operational strategies on the performance of commercial banks in Makueni County in respect to banking services. The specific objective of this study was to investigate the influence of debt recovery, promotional strategies, employee training, the quality of bank services and products on the performance of commercial banks in Makueni County.
 Methodology: The study used cross-descriptive research design and data was collected using a questionnaire. The target population of this study was bank employees with managerial roles and responsibilities; the bank managers and their assistants. The bank managers and their assistants were targeted because they are familiar and are actively involved in the development of operational strategies of commercial banks. Since the population was small census was used to select all the bank managers and their assistants to form a sample size of at least 130 study participants. The data collected was analysed using descriptive and inferential statistics with the aid of SPSS version 21.
 Findings: Both the correlation and regression results revealed that there was a positive and significant relationship between debt recovery, promotional strategies, quality of services and products and employee training and performance of commercial banks in Makueni County. The theories tested in this paper included; resource based view, theory of constrains and contingency theory.
 Recommendations: The study recommends that the bank managers should keep on developing and implementing policies which improve on their operational strategies. The quality of their products as it is likely to impact on their performance positively. The government of Kenya should develop strategies to ensure that loans given by commercial banks are paid off to ensure commercial banks remain competitive just like all the other financial institutions in the country. More research needs to be conducted on the specific operational strategies so as to obtain in depth information on how each operational strategy influence performance of commercial banks.

The Indonesian Government's Efforts in Overcoming the Negative Consequences of Rent Bank Practices in Giving Credit to Customer

The competition in the banking industry is tighter, as well as the existence of rent banks. Financial institutions are segmented into formal and informal financial institutions. Informal financial institutions are prevalent in rural communities and among small entrepreneurs. This study focuses on disclosing the strategy of Indonesian banks in responding to the existence of rent banks. The research method used is empirical legal research. The data obtained were analyzed using deductive methods, namely processing data from primary and secondary data sets. The study results indicate that Rent Bank is a financial institution that serves as a temporary buffer for families with a weak economy even though the interest charged is very high. In responding, there is a need for stimulation and assistance for efforts to revitalize and strengthen traditions that reduce poverty and problems arising from the existence of rent banks. One way is to carry out cultural management that is inherently community and government assistance to traditions and traditional institutions that can reduce poverty.

Credit Risk and Commercial Bank Performance: Evidence from ASEAN

This study aims to examine the relationship between credit risk and the performance of commercial banks in the ASEAN (Association of Southeast Asian Nations) region. 113 commercial banks across Malaysia, Singapore, Thailand, Philippines, and Vietnam are covered for analysis purposes. The study quantifies the credit risk using three commonly seen metrics i.e. capital adequacy ratio, loan to deposit ratio, and non-performing loan. Capital adequacy ratio and loan to deposit ratio could present the riskiness of the funding strategy of banks, while non-performing loan represents the overall customer payments past due as the potential result of risk-taking behaviour. Panel data analysis covering the years 2016-2020 for the above-mentioned bank sample is employed in examining the relationships. The result indicates that all the above metrics have a significant relationship with commercial bank performance, proxied by return on equity and return on assets, largely consistent with the underlying expectations. While the risk-taking behaviour may enhance the return measure of profitability, it would at the same time expose a bank to the downside risk as reflected by a higher level of non-performing loans. The study could provide empirical evidence to the managers and regulators in the region for a better understanding of banks' risks in formulating better policies to foster prudent management and decision making.

Development and Evaluation of a Cloud Computing Adoption Framework (CCAFF) for Retail Banks in Bahrain

The Information Technology era supports the adoption of Cloud Computing (CC) on a large scale in many business fields, at which the Financial Institutions (i.e., Banking sector) is not an exception. Several gaps were found during an attempted literature reviewing. While several CC methods, strategies, or frameworks have been proposed or utilized for CC adoption in many economic sectors including the Financial institutes (FI)- Banking, it is still a relatively new initiative in many other countries including Bahrain. While Enterprise Architecture (EA) is claimed to be a leading information and business management discipline to develop an architecture that guides the transformation to CC adoption of an enterprise from a baseline state to a target state. However, there is an evident lack of scholarly articles on the development of CC adoption frameworks from EA perspective. Also, it was found that scholarly articles in the evaluation of CC adoption framework are scarce. To address those gaps, this paper aims at developing and evaluating a CCAFF for the CC adoption in Bahraini Banks by adapting a tailored version of the Open Group Architecture Framework (TOGAF) and embedding a tailored version of an enterprise cloud adoption strategy (ECAS) and then evaluating the CCAFF based on several criterions. A six phased Design Science Research Methodology (DSRM) is employed to design the research report, guide, and develop the CCAFF, while the exploratory nature of the research necessitates the employment of a holistic single Case Study strategy for an FI-01 bank, based on semi structured interviews and document analysis data collection techniques. Alongside, the data was analyzed using pattern matching technique. For the CCAFF evaluation, Delphi technique was employed at which seven experts in two rounded panels contribute to the evaluation findings based on six criterions. The evaluation findings demonstrated promising results in terms of ease of use (86.4%), usefulness (84.6%), decision making support (86.6%), comprehensiveness (85.8%), time efficiency (84.8%), and usage intention (84.8%).

Analisis Strategi Manajemen Bank Syariah Indonesia Dalam Meningkatkan Market Share Melalui Pemanfaatan Teknologi Informasi

The development of Islamic banks in the midst of conventional banks can survive and compete with conventional banks by further increasing the use of information technology (IT) and increasing market share. Market share strategy is a strategy to expand the market in the target market. The purpose of the study was to analyze the management strategy of Islamic banks in Indonesia, especially the KCP Stabat Proclamation and the use of technology to increase market share. The method in this research is to use a qualitative approach with a descriptive design. The type of descriptive research method used is data collection techniques using observation, interviews and documentation. The data obtained is then processed in the form of text that is poured and presented in the form of a descriptive or narrative. The subjects of this research are Consumer Service and several customers at Bank Syariah Indonesia KCP Stabat Proklamasi. The results of the study explain that Bank Syariah Indonesia Kcp Stabat Proclamation has experienced a fairly rapid development of information technology with the presence of mobile BSI, Internet Banking, SMS Banking, one of the strategies of Bank Syariah Indonesia so that its market share also increases even though currently ATM machines are Indonesian Islamic banks. kcp stabat is damaged but is in the process of being repaired. Bank Syariah Indonesia has utilized information technology in terms of marketing and in the data output process.
 Keywords: Strategy, Management, Market Share, Information Technology.

Prioritizing operational strategies of saman bank

The extant study aimed to prioritize the identified operational strategies of Saman Bank based on a scientific method considering the effective factors identified inside and outside this Bank. Operational strategies are common banking strategies worldwide that first-class banks implement. The scientific segmentation steps, techniques, and criteria in Saman Bank were described and the identified strategies were tested using a scientific assumptions-based method. The obtained results were analyzed in the next step. The statistical population of the study comprised managers of Tehran branches and staff managers of Saman bank. The data were collected through a questionnaire. Eighty-four questionnaires were gathered from staff and line managers. Regression, Friedman test, and ANOVA were used to test hypotheses considering the questionnaire data. According to findings obtained from hypothesis testing, corporate banking was introduced as the best operational strategy in Saman Bank considering the competitive advantages of this bank and factors affecting the internal and external environment of the bank. Moreover, private banking, investment banking, retail banking, and international banking were at the next ranks of strategies.

Mobile Banking Service in Mongolia: The Role of Online Convenience on the Acceptance and Use Behavior

The goal of this study is to scrutinize the impact of individual online convenience dimensions on mobile banking acceptance and use in Mongolia. A total of 211 valid responses were collected from Mongolian university students who currently use mobile banking application services from local banks. The SmartPLS 3.3 software was used to conduct the confirmatory factor analysis and test the hypotheses. Using structural equation modelling, this research discovered that access convenience, transaction convenience, and possession/post- possession convenience are the main constructs related to the adoption of mobile banking services. Perceived innovation showed a significant positive effect on the adoption of mobile banking technologies. Through practical and theoretical implications, this research aims to assist mobile banking service channels of local and international banks in Mongolia. Identifying which online convenience dimensions impact the adoption and use of mobile banking will contribute to the adoption of competitive strategies for financial institutions and banks.

Moderating Effect of Dynamic Capabilities on the Relationship Between Porter’s Generic Strategies and Performance of Commercial Banks

The Kenyan banking industry contributes significantly to government revenues yet financial reports indicate that Kenya’s listed banks recorded a negative EPS (earnings per share) growth of 0.8% in the financial year 2017, compared to average positive growth of 4.4% in the financial year 2016. Kenya’s listed published their financial year 2018 performance, with an average growth share, of 13.8%, compared to 1.0% decrease the past year. All quoted banks in Kenya gave their financial year 2019 reports, realizing average core earnings per share growth of 9.9%, in comparison to 13.8% growth, in the past year. This trend indicates a decline in the growth of the core earnings per share. Previous studies on dynamic capability and performance dwelt on sensing capability, coordination, learning, sensing, seizing, transforming, and IC. However, this study focused on all dynamic capabilities. Past studies on the moderator influence focused on alliance management capability, resource planning capability, and environmental dynamism as moderators. However, this study focused on all the dynamic capabilities of the moderator. This demonstrates that dynamic capability is still a plausible moderator. This study focused on the listed banks currently 11 in number. This is because their operations and records Were declared by law to the public. Objective one was regressed from the dependent and the independent variables. In objective two there was the introduction of the dynamic capabilities’ variable to establish its effect on the outcome. Objective three combined the dependent, independent variables and the potential moderating variable. The study applied the resource base theory because it looks at the role of internal aspects, that is resources and capabilities- of the organization during change. Also, the configuration theory because it believes in organizational rejuvenation and restructuring of their core structures to achieve success. Cross-sectional survey design with a census done of the listed commercial banks in Kenya, was adopted. The respondents comprised 68 heads of departments, 11 CEOs, 29 regional heads, and 145 regional managers. Primary data collection was done vide a questionnaire. Reliability was ascertained using Cronbach’s alpha test. The performance scale should indicate a Cronbach alpha of at least 0.7. Face validity was ensured by administering the questionnaire to two senior bank managers. construct validity was established. Content validity was ascertained through the subjection of a pool of questions to experts. Data analysis was done using descriptive and inferential statistics. The results discovered that generic strategies by porter, affected commercial banks' performance, (β=0.645, p=0.000) and accounted for 41.6% variance, dynamic capabilities positively affect performance (β=0.364, p=0.000) and account for 12.9% and dynamic capabilities are a positive moderator of the relationship between porters’ generic strategies and performance (β=0.030, p=0.010) with a percentage increase of 1.5%. It is concluded from the findings that porter’s generic strategies and dynamic capabilities have positive effects on the performance of commercial banks while dynamic capabilities moderate the relationship. It was recommended from the findings that companies improve more on the cost strategy and dynamic capabilities to realize better performance. The study would contribute to the existing literature by adding the moderating effect of dynamic capabilities. The study will help bankers to focus on dynamic capabilities while studying performance. The academia will benefit from this study as well.

Indonesian Islamic Banking Fintech Model Strategy: ANP Method

This study aims to analyze the problems, solutions, and strategies of making a fintech model in Indonesian Islamic banking. This study uses non-parametric non-Bayesian qualitative methods for decision-making with a general framework without making assumptions with the Analytical Networking Process (ANP) approach. The researcher selected 11 informants consisting of 2 fintech practitioners, 3 Islamic banking practitioners, one industry 4.0 academic and Islamic sharia banking, one person from the Financial Services Authority, two people from the National Sharia Board, and one from Bank Indonesia. And one person from KNEKS. This study indicates that the problems and solutions for developing the fintech model in Indonesian Islamic banking are divided into internal and external aspects. The main priority of the problem is internal problems, namely the lack of Islamic banking Human Resources who understand IT and Islamic finance. The priority solution is an internal priority, namely a Reliable IT System. The primary importance of the development strategy for forming a fintech model for Islamic banking in Indonesia is the synergy of Islamic banks and Fintech to develop a fintech model for Islamic banks. The theoretical contribution and the results of this study are a novelty in the strategy of Islamic banks in implementing and developing Fintech in Islamic banking. Practical Implication, The managerial implications for Islamic banking practitioners in Indonesia are more focused on procuring a reliable IT system and improving the Human Resources of Islamic banks in mastering IT and Islamic finance.

Role of Banking System in Green Finance in the Context of India: An Analysis

To achieve the goal of SDG (Sustainable Development Goal) by 2030, India took many initiatives to promote green economy which include Green Finance. Green Finance is a new concept which comprises with different range of products and services to give opportunities to environmental friendly projects and infrastructure developments. To fulfil the objective of fast economic growth without compromising the climate, banking institutions are playing an important role. These kinds of banking strategies are coined as Green Banking. Green Banking promotes eco-friendly practices to reduce carbon footprint and also sensitise their customers with the help of different schemes and initiatives. But, as we know in a country like India that lacks in proper infrastructure and management the objectives of green banking can’t not be attained as easily. All the issues and challenges faced by the government and financial institutions have been discussed in this paper along with the important and different strategies adopted by them. The study is based on secondary data and literature review.

Strategi Bank Syariah Dalam Pembiayaan Mikro pada Masa Pandemi Covid-19


 
 
 At the end of 2019 there was a global change due to the corona virus disease which was then called Covid-19 which first appeared in Wuhan, China. WHO officially announced this respiratory virus as a pandemic in March 2020. Covid-19 has caused the death rate to continue to increase both in the world and in Indonesia. Covid-19 affects various sectors, one of the sectors most affected is the economic sector. It is known that during the Covid-19 pandemic, Indonesia's GDP decreased, the unemployment rate increased, and also in the microeconomic sector many MSMEs experienced a decline in business and even bankruptcy. Whereas MSMEs are one of the most influential sectors for GDP in Indonesia. MSME turnover has decreased while MSMEs need capital assistance for their business. To overcome and support MSMEs, the role of financial institutions is very much needed. One of the Financial Institutions that plays a role in providing capital for MSMEs is Islamic Banking, this is because Islamic Banking focuses on the real sector, even though on the Islamic Banking side there needs to be a strategy before providing financing so that Islamic Banking can maintain financial stability during this pandemic. Therefore, this research is entitled: Strategy of Islamic Banks in Microfinance during the Covid-19 Pandemic (Case Study of BSI KCP Sentul). With the formulation of the problem; (1) Problems encountered in microfinance at BSI KCP Sentul during the pandemic; (2) Solutions to problems encountered in microfinance at BSI KCP Sentul during the pandemic; (3) Strategy of BSI KCP Sentul in microfinance during the pandemic. The method used is descriptive qualitative by interviewing 3 people from BSI KCP Sentul. This study uses primary data, namely interviews. The results of this study are: (1) the problems faced are in the form of internal problems which include performance such as weak financing analysis, limited human resources in the field of financing settlement, weaknesses in bank policies that apply high product prices, and also access to Islamic banking which is still difficult to reach. Meanwhile, the external problems faced in the form of problems stemming from the character of customers, covid-19, government regulations, and the legality of MSMEs; (2) The solution from the internal banking side is to carry out managerial supervision of the Bank and conduct regular communication to customers, improve the capacity of human resources in terms of micro-financing, and provide indirect financing through BPRS; (3) The first banking strategy is to provide financing to MSMEs that are not significantly affected by Covid-19, establish a microfinance service center, and provide lower margins.
 Keywords: Covid-19, MSMEs, Islamic Banking.

Strategi Bank Syariah Dalam Pembiayaan Mikro pada Masa Pandemi Covid-19


 
 
 At the end of 2019 there was a global change due to the corona virus disease which was then called Covid-19 which first appeared in Wuhan, China. WHO officially announced this respiratory virus as a pandemic in March 2020. Covid-19 has caused the death rate to continue to increase both in the world and in Indonesia. Covid-19 affects various sectors, one of the sectors most affected is the economic sector. It is known that during the Covid-19 pandemic, Indonesia's GDP decreased, the unemployment rate increased, and also in the microeconomic sector many MSMEs experienced a decline in business and even bankruptcy. Whereas MSMEs are one of the most influential sectors for GDP in Indonesia. MSME turnover has decreased while MSMEs need capital assistance for their business. To overcome and support MSMEs, the role of financial institutions is very much needed. One of the Financial Institutions that plays a role in providing capital for MSMEs is Islamic Banking, this is because Islamic Banking focuses on the real sector, even though on the Islamic Banking side there needs to be a strategy before providing financing so that Islamic Banking can maintain financial stability during this pandemic. Therefore, this research is entitled: Strategy of Islamic Banks in Microfinance during the Covid-19 Pandemic (Case Study of BSI KCP Sentul). With the formulation of the problem; (1) Problems encountered in microfinance at BSI KCP Sentul during the pandemic; (2) Solutions to problems encountered in microfinance at BSI KCP Sentul during the pandemic; (3) Strategy of BSI KCP Sentul in microfinance during the pandemic. The method used is descriptive qualitative by interviewing 3 people from BSI KCP Sentul. This study uses primary data, namely interviews. The results of this study are: (1) the problems faced are in the form of internal problems which include performance such as weak financing analysis, limited human resources in the field of financing settlement, weaknesses in bank policies that apply high product prices, and also access to Islamic banking which is still difficult to reach. Meanwhile, the external problems faced in the form of problems stemming from the character of customers, covid-19, government regulations, and the legality of MSMEs; (2) The solution from the internal banking side is to carry out managerial supervision of the Bank and conduct regular communication to customers, improve the capacity of human resources in terms of micro-financing, and provide indirect financing through BPRS; (3) The first banking strategy is to provide financing to MSMEs that are not significantly affected by Covid-19, establish a microfinance service center, and provide lower margins.
 Keywords: Covid-19, MSMEs, Islamic Banking.

Intelligent evaluation method of bank digital transformation credibility based on big data analysis

In order to measure the quality and level of digital transformation of banks, we evaluate its credibility. Due to the backwardness of data processing technology, the existing credibility evaluation methods have the defects of low validity of evaluation results, which indicates that the evaluation results are one-sided and can not meet the needs of today’s digital transformation of banks. Therefore, this paper proposes an intelligent evaluation method for the credibility of digital transformation of banks based on big data analysis. This paper analyzes the digital transformation strategy of banks in detail. On this basis, it introduces big data analysis technology, selects credibility intelligent evaluation index, constructs credibility intelligent evaluation model, formulates credibility intelligent evaluation steps of digital transformation of banks according to the construction model, and implements the steps to realize the intelligent evaluation of digital transformation credibility of banks. The experimental data show that: compared with the existing methods, the validity data of the evaluation results of the proposed method is larger, which fully confirms the effectiveness and feasibility of the proposed method and is suitable for vigorously promoting and applying.