ANALYSIS OF COMPLEXITY OF THE PROBLEMS OF SHARIA RURAL BANKS (BPRS) IN INDONESIA THROUGH A STRUCTURED DESCRIPTION
Sharia Rural Bank (BPRS) is one of the financial locomotives to support micro and small and medium business in Indonesia. The complex challenges faced by BPRS in Indonesia today to maintain their existence in the mid of competition need to be overcome by planning for strategic changes. The purpose of this study is to identify the current internal conditions, external conditions, business models and business processes, and change management practices in BPRS and analyze the complexity of the problems of BPRS in Indonesia today and its sensitive elements through a structured picture approach. The research was conducted in Indonesia, especially the Greater Jakarta, Surabaya, Bandung, Semarang, and Yogyakarta by involving the management and managerial level at BPRS. The research was carried out from December 2021 to June 2022. Research data were obtained through primary data and secondary data. The research methodology used is Descriptive Statistical Analysis and Soft System Methodology (SSM). The results of the descriptive analysis indicated that BPRS competes directly and is unhealthy with conventional big banks and fintech institutions. Based on the results of the SSM analysis, it is known that the current problematic situation faced by BPRS is technological disruption, market share, economic stability, low liquidity, pandemic disruption, human resources competence, segmentation rules, and the absence of a suitable product or service differentiation and unique. This study also described an urgency of implementation of strategic change management for BPRS to get relevant and exist in the future as Sharia Rural Banks in Indonesia.
BPRS, Business Model, Business Process, Sensitive Elements, Soft System Methodology.