3559 research outputs found
Sort by
Pengaruh faktor-faktor makro dan mikro ekonomi terhadap npl umk bank xyz
Get PDFNon Performing Loan (NPL) is one of the parameters of bank performance that directly affect the bank's profit because it determines the cost that must be reserved by the bank for the quality of its assets. A small micro business segment is a segment of customers that pushes the pace of development in developing countries. The development of small micro business loans with good quality will be the benchmark of bank and government success in encouraging the expansion of quality credit.
Bank XYZ is one of the banks that focus on Micro Small and Medium Enterprises (MSMEs) with the channeling of credit through the UMK Directorate. Bank XYZ has a decrease in credit distribution and credit quality changes (NPL). In doing business Bank XYZ applies the principles of Do Good Do Well, so run the empowerment program as part of Customer Social Responsibility (CSR), as well as to maintain credit quality. Debtor training program which is one of the empowerment program is freeze considering the required budget is big enough. Bank XYZ is still considering and identifying the right alternative to continue the training of this debtor.
This research analyzes the influence of macro and micro economic factors on towards NPL of MSE Bank XYZ. Macroeconomic factors are analyzed in the form of inflation rate, BI rate, oil price, GDP growth and exchange rate. The microeconomic factors analyzed here are the number of debtor training classes, the average age of the debtor (credit disbursement in the month) and the portfolio of agriculture, hunting, forestry & plantation sectors. The method used is multiple linear regression for macroeconomic factors and panel data for microeconomic factors. The data used in this research is secondary data. Data for macroeconomic factors are quarterly data from 2010 to 2016 in the form of inflation, BI rate, oil price, GDP growth and exchange rate. Microeconomic data used in this study are monthly data from January 2011 to May 2016 in the form of number of training classes, average age of debtors, and percentage of agricultural sector portfolio, hunting, forestry and plantation.
The result of the research shows that BI rate has significant and positive effect to NPL, while oil price and exchange rate have significant and negative effect to NPL. All microeconomic factor variables significantly effect to NPL with the details of the training class and the average age of the debtor has negative effect to NPL and portfolio of agriculture, hunting, forestry & plantation sectors has positive effect to NPL
Pengaruh perubahan organisasi terhadap keterikatan karyawan (studi kasus di pt agricon)
Get PDFIn recent years there are a series of acquisitions and mergers of the world large companies in pesticide producer industry. Such series of acquisition and merger processes of various large scale companies in agribusiness industry bring threat towards agribusiness doers. From various corporate strategies to improve company performance, restructuring is one of the common strategies used to leverage company performance to a better level. This situation and condition is occurred in organizational change in PT Agricon, by performing consolidation of operational supporting function that all this time spread out with the respective business unit, further, functions and employees are relocated into PT Agricon organization and the organizational structure of PT Agricon also changed from traditional to matrix organization.
This research is classified as an explanatory research, in term of quantitative research where the phases of research process was conducted by processing the data in the form of score generated from questionnaire completion of Likert scale (score: 1-5) and is processed by statistic method using Partial Least Square (PLS) approach. The questionnaire is limited spread-out by purposive sampling technique to 83 respondents of 222 employees, with balanced respondents gender composition, where male respondent is 58%, and female respondent 42%, with a consideration that female workers are more vulnerable to job situation change because other than the duties and responsibility as a worker, they also have duty and responsibility to take care their household and family. Moreover, viewing the data of employee work period, indicates a high employee loyalty, in which only 22% employee who have work period less than 5 years, while the remaining of 78% have works for more than 5 years.
The result of calculation of impact percentage, it can be seen that for endogenous variable work engagement is affected by 23.72% from perceived organization support and 0.42% from perceived organization change. So in can be concluded that an organizational change represented in variable perceived organization change did not give significant influence toward work engagement. Even for organizational support that is represented by variable perceived organization change only gave an impact of 23.72%. Other than the forgoing two variables, the job demand represented by variable job demand even gave negative impact of -1.84% towards work engagement. So that it can be concluded, job demand does not give significant impact to work engagement
Strategi diferensiasi produk bank syariah di indonesia melalui akad-akad pembiayaan kpr syariah
Get PDFAbstract. This study base on three main concern i.e (1) the growth of Islamic banks in the last 5 years has shown stagnation; (2) the people have not been able to feel the significant difference in benefits toward the existence of Islamic banks and (3) the finansial performance of Islamic banks is worse than that of conventional banks. Bank Indonesia data shows that Indonesian Islamic banking should take consumer financing as primary business sector, especially home financing. Financial performance indicator of Indonesia Islamic banking relatively competitive compare with conventional banks. Meanwhile, data from Sarana Multigriya Finansial (SMF) shows high demand of housing in Indonesia. There are three main supporting factors home financing market is poyential, ie (1) currently more than 13 million households do not have their own homes, (2) Indonesian population growth reaches 1.34% per year and (3) more than 75% newly house owned through both Islamic and conventional mortgage schemes.
The objective of the research is to select the best Islamic home financing contract as a differentiation strategy of Islamic banks in Indonesia. Each financing contract has their own risk character and potential of business growth. The selected contract is expected to accelerate Islamic banking market share, to improve finansial performance, and to give more benefits to customers.
The analytical network process (ANP) method was applied to select one of the four Islamic home financing contract i.e. musharakah mutanaqisah (MMQ), al-ijarah al-muntahiyah bi al-tamlik (IMBT), murabahah wakalah, and murabahah haqiqi. Product recommendations selected based on several criteria of perpetrators home financing industry point of view. The perpetrators are banks, housing developers, customers and regulators. The Bank’s criteria consider profitability, bank reputation, risk management, market share growth, human capital competency and third party funds growth. Developers’s criteria area business risk reduction, business expansion potential and potential revenue declining. Customers consider criteria of competitive pricing, service excellent and sharia principles, while regulators consider criteria of insider trading, banking business risk and inventory risk. The results indicate that murabahah haqiqi is the most recommended contract with highest weighted score
Perancangan sistem pengukuran kinerja otoritas pelabuhan dengan metode balanced scorecard
Get PDFThe Port Authority is a government institution at the port as an authority that
carries out the functions of regulating, controlling and supervising port activities
which are commercially endeavored to be able to focus on the vision that has been
formulated in Law no. 17 of 2008 on the voyage of the implementation of a port
that is conducive, effective, efficient and highly competitive in supporting the
national economy in the era of globalization. The Port Authority in performing its
functions requires a complex performance measurement plan not to be assessed on
a single value or measure and designed to assess the effectiveness and efficiency of
the performance of this institution.
The balanced scorecard method is used as an analytical tool in designing
performance measurements of the Port Authority. The BSC approach takes samples
and simulates at Tanjung Priok Port Authority Office because it is considered to
have a more complex workload and more representative of the characteristics of
Port Authorities in Indonesia. The object of research taken is done by purposive
sampling method is the management of Port Authority, the ekspert / port expert, the
Port Authority employee, the stakeholders, and the business actor at the port. The
management of the Port Authority and the experts / port expert role in the design
process of BSC model with the number of respondents 15 (fifteen) respondents,
while the Port Authority employees, stakeholders, and business actors in the port
act as respondents in making BSC simulation to find perceptions of job satisfaction
Employees and satisfaction perceptions of the role of the Port Authority. Processing
and data analysis is done with quantitative and qualitative descriptions.
This research was conducted with the aim of describing the vision, mission
into the strategic objectives of the four BSC perspectives, formulating the
performance measures required by the Port Authority, establishing the performance
measurement indicators of the Tanjung Priok Port Authority in accordance with the
financial perspective, internal business perspective and learning and growth
perspective, simulating the design of performance measurement result using BSC
method with performance measurement used by Port Authority of Tanjung Priok
during this time.
The steps taken in the research started from designing BSC model, covering:
(1) description of vision and mission; (2) the preparation of strategic maps; (3)
identification of performance indicators, strategic measures and targets and
formulation of strategic initiatives; (4) determining the weight of performance
indicators; And BSC design simulation implementation, including: (1)
determination of scores of key performance indicators (KPI); (2) BSC design
simulation; (3) managerial implications.
The identification of performance indicators is built on theoretical studies,
field surveys, and expert surveys that produce 12 (twelve) key performance
indicators scattered across four BSC perspectives. BSC weighted perspective and
performance indicators using analytical hierarchy process (AHP) methodology
assisted by expert choice 11 for windows software.
The weighting results show the order of importance of each perspective on
the BSC of the Port Authority. The customer perspective contributed the most as
the most important perspective in supporting the Port Authority's vision of 37.5%,
learning and growth by 31.5%, followed by the financial perspective of 17.6%, and
the last was the internal business process perspective 13.4%. This result identifies
that in support of the Port Authority's vision, the organization must begin to take
account of customer perspectives consisting of stakeholders and port business
actors by optimizing the role and service of the Port Authority in accordance with
the expectations mandated in Law nomber 17 of 2008 on Shipping.
The simulation result based on performance measurement model with BSC
shows that overall performance of Port Authority at Tanjung Priok Port in 2015 is
included in the category of "GOOD" in accordance with the total overall score of
BSC simulation of 2,817 which is on the rounding of score score 3 with good
category
Analisis kebutuhan pelatihan tenaga perpustakaan di institut pertanian bogor
Get PDFOne of the effort to improve the competence of employess is to send them in various trainings, but what often happens is the objectives of the trainings are not well targeted, either for the employees or for achieving the purpose of the institusion. Institutions should have the design of the trainings program according to the needs of the staff because training for staff requires substantial funds and time management. Training that is well targeted, in this case for the library staff, will have an impact on waste of time and cost, which should have been avoided. And as in fact, some of the library staffs have attended various trainings, both inside or outside of IPB, but have not been identified, whether the trainings has been obtained according to the needs of the library staff. Through training, the gap between the work skilss possessed by the the library staff and the expected work ability, can be overcome.
The purpose of this study is to analyze the work ability by the job title versus performance of work ability; to analyze the job performance gaps by positition versus performance of work ability; and designing the trainings program that suits to the needs of the libarary staff at IPB. Training Needs Assessment (TNA) is an effective method to use for analyzing the training needs for the library staff.
The study is conducted using a quantitative approach through surveys and interviews. The census method are used in the determination of respondents. The Training Need Analysis Methode starting to used to assess the work ability by the job title versus performance of work ability of library staff, using questionnaires that adopted and modified from the Indonesian National Work Competency Standards for the library field, the year 2012. The skill gap among the library staff is analyzed by comparing the point of the work ability by the job title to the point of performance of work ability. If the point of the skill gap is bigger than 1, it means there is a workability gap that indicating the need for training.
The results of this study indicate that the performance of work ability of librarians in IPB, either general, the core and special competence are below the standard level. Therefore all competencies require trainings, but not in urgent.There are ten training prioriteis to increase the competence of librarians in IPB, namely: (1) scientific paper writing; (2) designing the work plan and library work report; (3) information literation; (4) library field study; (5) tracing complex information; (6) spatial and the furniture in the library; (7) library materials maintenance; (8) internet networks for library services; (9) procurement for library material; (10) subject record. for the service officers, the training needs to be focused on improving the competence of circulation services. Effective training methods of training for library staff are In House Training (IHT), technical and applicative training
Analisis investasi pengembangan energi alternatif untuk menurunkan biaya energi di pt xyz
Get PDFIn manufacture company, management required to find alternative energy sources that cause price of the products become cheaper. Alternative energy is meant here is a source of energy other than oil and gas that is used as fuel for steam generating machine. Alternative energy is widely used for the energy source is coal boiler. However, the use of coal as a fuel source is not permitted to use at PT. XYZ by local environmental agencies because the company's location adjacent to the densely populated area. Other alternative fuels that can be used as engine fuel steam generator or boiler is palm shells. Palm shells began to be used as fuel for boilers because higher calorific value than other alternative fuel and its availability is very abundant. Gross value of palm shells calorie value when tested in an accredited laboratory is 4846 kcal / kg.
To be able to use palm shells as a boiler fuel, the company should invest the engines with alternative fuels. Engines with alternative fuels also require a broader area than the engine with fuel oil or gas. Engine with fuel oil or gas requires a total initial investment of Rp 2,654,404,500.00 and the engine with alternative fuels will require investment of Rp 4,963,520,000.00. The cost of fuel consumption per hour boiler capacity of 5 tons per hour with a fuel gas is Rp 1,722,838.00 while the cost of consumption of alternative fuels with a capacity of 5 tons per hour is Rp 938,060.00. With the savings gained by fuel switching, it can be analyzes whether the investment is feasible to proceed or not. Investment engines with alternative fuel boiler produce a positive NPV value Rp 6,139,834,073.00. Internal rate of return on this investment is 49.03 percent and its payback period is 2,1 years. With the results of this analysis, the investment worth continuing because the NPV is positive, IRR is higher than the interest rate, and the payback period is lower than the limit of return on investment set by PT. XYZ.
After analysis with sensitivity analysis, this investment also has some limitation which is the price of fuel is allowed a maximum of Rp 1,130.81 the decrease in production over the next 5 years do not exceed 44.7 percent, the price of gas fuel is not lower than 6 US dollars per MMBTU, and the exchange rate of the US dollar is not lower than Rp 10,316.00 per US dollar. If the limits is exceeded, the investment boilers with alternative fuels is not feasibl
Perencanaan strategik unit usaha pembiayaan syariah menuju spin off (studi kasus: adira finance)
Get PDFRegulation of the Minister of Finance No. 43 / PMK.010 / 2012
concerning Advances on Financing of Motor Vehicles in Financing Company sets
Down Provisions of at least 20% - 25% of the sale price, making the amount of
credit received by finance companies declining. This condition requires finance
companies to implement new strategies to maintain market share.
One of the strategies undertaken by financing companies is by adding new
business units by carrying sharia principles. Sharia financing began to increase
significantly since the advent of the policy set in relation to the down payment in
2012. However, total sharia financing assets are still lower than conventional
financing (5.25%: 94.75%), as well as the number of financing receivables sharia
is still smaller than conventional financing receivables (5.57%: 94.43%) (OJK
2016).
The Financial Services Authorization (OJK) as the regulator of the
financing industry has issued a policy set forth in the POJK. 28 / POJK.05 / 2014
which explains that multifinance which has sharia portfolio as much as 50% from
total business or five years from POJK is lawfully obliged to do spin off sharia
(segregation of sharia business unit). With this policy, sharia business unit can be
more focus on business development.
However, the spin off policy that has been applied to the banking industry
does not have an impact on the growth of sharia bank financing generated from
spin off, this is because the operational cost in the sharia bank which is produced
from the spin off is higher than the operating income, especially in the early spin
off period. Therefore, sharia banks resulting from spin off will be more careful
not to increase the operational cost of financing portfolio (Al Arif 2015). This is
supported by research conducted by Al Arif et al. (2017) which states that the
operational cost variable shows a negative effect on the asset growth in the sharia
bank result of spin off.
Adira Finance as one of the largest finance companies in Indonesia has
owned a sharia business unit established on June 15, 2012 and under Marketing
Directorate. The operational activities of sharia financing sales still join the
conventional office of financing (office channeling). Until 2016 with the number
of branches of 203, as many as 162 branches have served the sales of Islamic
financing spread across nine regions.
As reported by Kompas on June 08, 2015, sharia financing of Adira
Finance has contributed 12% of total sales with 90% sales increase compared to
2014. The sales growth of sharia financing of Adira Finance causes the market
share in every year to increase. Given the positive growth of sharia financing of
Adira Finance's market share and asset acquisition per year 2016, sharia financing
of Adira Finance has good potential to spin off. However, based on the
performance of the banking industry that first spin off, sharia financing unit of
Adira Finance needs to conduct a feasibility study and analyze more deeply
related to several action plans if the spin off business is conducted, so that after
the separation of sharia market share business unit can be maintained and has a
positive positive growth.
The purpose of this research is to analyze the feasibility of sharia financing
business unit of Adira Finance in fulfilling the aspect of business unit spin off and
formulate the strategy that will be applied to sharia business unit of Adira Finance
to spin off. The method used in this research is business feasibility study,
investment analysis, sensitivity analysis and strategic planning.
Based on the research result sharia financing unit of Adira Finance has the
ability to be spin off. But it should be noted by sharia financing unit of Adira
Finance on aspects of technology and human resources aspects. In the
implementation of the spin off of the sharia business unit into a business unit, it is
necessary to prepare an IT system tailored to the new sharia agreements that will
be used in product development. Having done his spin off employees who are in it
must understand the overall financing of sharia.
Investment analysis stated that sharia financing unit of Adira Finance is
not worth spin off if funding is fully charged to sharia financing unit of Adira
Finance and joint financing scheme becomes solution for sharia financing unit of
Adira Finance if it will be spin off. The sensitivity analysis results obtained that
two-wheeled motor vehicle more susceptible to changes in scenario compared
with four-wheeled vehicles. From the result of strategy formulation with
combination method of SWOT-AHP, the priority of strategy that need to be done
by sharia financing unit of Adira Finance to spin off is "Diversify product
according to sharia principle"
Pengaruh organizational citizenship behavior (ocb) terhadap kepuasan kerja dan employee
Get PDFYayasan XYZ is an international non-profit organization committed to improving life across dynamic and growing Asia. Based on the records and information gathered from the experience of the past six decades and with a deep knowledge of local expertise, our work across the region includes five objectives - strengthening overall governance, empowering women, expanding access to the economy, enhancing environmental stability and enhancing regional cooperation between regions, where Indonesia is one of the countries where the Yayasan XYZ operates. A good level of performance does not make the turnover rate in Yayasan XYZ low, even can be said high and this phenomenon attracts the author to associate with one of the employee behavior theory of Organizational Citizenship Behavior and Job Satisfaction. The OCB theory attracts researchers to see its effect on employees both from job satisfaction and employee engagement. Based on this background the authors want to analyze whether there is OCB behavior in Yayasan XYZ employees and the effect of OCB on job satisfaction and employee engagement in Yayasan XYZ with the title "Analysis the Effect of Organizational Citizenship Behavior (OCB) and Job Satisfaction on Employee Engagement at Yayasan XYZ".
The objectives to be achieved in this research are:
1. Analyzing the behavior of organization citizenship behavior (OCB), the level of job satisfaction and employee engagement found in the employees of Yayasan XYZ.
2. Analyze the influence of organization citizenship behavior (OCB) and job satisfaction on employee engagement on XYZ Foundation employees.
3. Formulate organizational strategy in employee engagement on XYZ Foundation employees based on organizational behavior behavior (OCB) behavior theory and job satisfaction theory.
Data collection is done by survey that is the distribution of questionnaires to the respondents. Respondents in this research are XYZ Foundation employees from country representative position to administrative assistant. . The measurement scale used is Likert scale with ordinal size (Umar 2005). Data collection techniques used in this study are:
1. Field study (Field Research) data collection by doing a direct observation on the company concerned, either through observation and distribution of questionnaires to employees.
2. Library study is used to collect secondary data from the company, theoretical basis and information related to this research.
3. Questionnaire, is data collection by distributing a list of questions to respondents who serve as a sample of research.
In this research, data analysis on SEM-PLS will use SmartPLS software support. PLS is an alternative method of Structural Equation Modeling (SEM) that
can be used to overcome relationship problems between complex variables but small sample size data (30 to 100), given that SEM has a minimum sample size of 100 (Hair et al. 2011)
The results obtained from this research are as follows:
1. Organizational Citizenship Behavior variables (OCB) are most influenced by indicators of conscientiousness (0.891), then courtesy (0.856), sportsmanship (0.805), civic virtue (0.758) and altruism (0.532). This indicates the OCB attitude of the employees of the XYZ foundation is most shaped by the attitude of conscientiousness. Job satisfaction variables were most affected by career indicators (0.835), then co-workers (0.820), employment (0.804), salary (0.773) and supervision (0.658). This indicates the attitude of OCB employees of the XYZ foundation most shaped by careers. The employee engagement variable is most affected by the belong (0.931) indicator, then grow (0.903), get (0.886) and give (0.867). This indicates the OCB attitude of the employees of the XYZ foundation most formed by the belong indicator.
2. Organization citizenship behavior positively significant directly to the work satisfaction of 0.645 means that the better organization citizenship behavior (OCB) is dominant reflected by Conscientiousness, Courtesy, Sportmanship then increasing employee job satisfaction. Organization citizenship behavior (OCB) also has a significant direct positive effect on employee engagement of 0.493 meaning that the better dominant organization citizenship behavior (OCB) is re fl ected by Conscientiousness, Courtesy, Sportmanship, further increasing employee engagement of employees. Job satisfaction has a direct positive effect directly to employee engagement of 0.530 meaning that higher employee job satisfaction hence increasing employee engagement employee.
3. Optimizing the opportunities generated from the research, as well as improving the implementation of indicators that have the most significant positive impact on improving Employee Engagement, such as Coinscientiousness (OCB), Careers (Satisfaction ) and Belong (Employee Engagement) need to be well planned by the Human Resources section at Yayasan XYZ and get approval from the Leader.
4. High turnover is expected to be suppressed with the application of OCB behavior, Job Satisfaction and Employee Engagement. The sense of having a strong organization is one of the factors that can bind employees to stay and work at the XYZ Foundation
Pengaruh kualitas layanan terhadap kepuasan, kepercayaan, dan loyalitas nasabah di bank bjb cabang bogor
Get PDFBank as a financial intermediary sees the importance to give services in attempt to fulfill customer satisfaction, successful services felt when they can exceeds what customer wants. Service quality include five dimensions such as: Reliability, responsiveness, assurance, emphaty, and tangible. All five dimensions are the important things that affect satisfaction and in the end will create trust and loyalty for customers. Tight competition nowadays in banking industry force the banks to anticipate changes that happened in banking business circles with products innovation and attractive new services to give maximum satisfaction for customer benefits.
One of the banking industry that compete with another big banks is Bank Jabar Banten (BJB), established in 1961 that owned by the West Java Government. Service quality have a close relation with satisfaction and because of that service industry especialy bank needs to provide with maximum services to make the customers satisfy and in the end the will become trust and loyal. From the data shows that complaint increasing in bank BJB Bogor Branch over a year.
Complaint from the customers show the dissatisfaction from the services that given by bank BJB. The emergence of this complaint told us there is a gap between what customers want and what customers get, because of that this study was needed to measure the overall satisfaction level that given by bank BJB Bogor branch, to analyze the effect of satisfaction toward loyalty, to analyze the effect of satisfaction toward trust, and to analyze the effect of trust toward loyalty in bank BJB Bogor branch. This study hope would be benefit bank BJB itself to inform how they react about the complaint and increase the services to make the customers more satisfy, trusted and loyal.
Primary data collection in this research is using survey method and spread with questionnaire. Structural model testing using Structural Equation Modeling (SEM). The superiority of SEM is it can analyze multivariate all together, while the purpose of the use of multivariate technique is to extend the ability to explain the observed variables and to reach statistical efficiency.
Based on the result of SEM analysis shows us; 1) Overall satisfaction with the percentage of 71.76 percent proved that the customers are satisfied with the services that given by bank BJB Bogor Branch but the satisfaction standard in bank BJB have not been reach , 2) Satisfaction didn’t have direct effect on loyalty, but through trust first, 3) Satisfaction directly affect trust and have significant impact on trust, and 4) Trust affect significantly toward loyalty, the more people to trust, the more they will be loyal
Analisis pengembangan model bisnis inklusif (studi kasus: oogatamura akitakomachi seinsanya kyokai inc)
Get PDFJapan is one of countries with highest Gross Domestic Product (GDP) in the world. It has the GDP of US$4.6 trillion in 2015. Although agriculture sector is surely not the largest contributor to the Japanese GDP, but it is highly considered by the Japanese government. One of commodities that plays an important role in developing Japanese economy is rice because it is the main food products in Japan. Japan has several varieties of rice and one of them is Akitakomachi. It is included as superior commodity in Japan. It has the highest quality of unhulled rice grain with its taste remains the same. It is not too sticky like Koshihikari, but it is often used in the making of sushi, mocha, and onigiri due to its high water content so that it keeps sticking though it has becomes cold. One of companies successfully developing processed food products made from Akitakomachi rice is Oogatamura Akitakomachi Seinsanya Kyokai Inc (OASKI). It is a self-help partnership based company focusing on the development of rice commodity and has been established since 1988. It processes rice into various innovative gluten free products, such as brown rice, white rice, and germinated brown rice. The rice is also processed into rice flour as a raw material for noodles, bread, cake, pasta, and emergency food. This research aims to: 1) map the business model conducted by OASKI; 2) identify its strengths and weaknesses; 3) design a new business model that can be implemented by OASKI for its growth and development. It is conducted using descriptive method. The data used in this research are primary and secondary data that are collected through observation, interview, questionnaire, and literature study. The analytical tools utilized are Business Model Canvas (BMC) and Strength-Weakness-Opportunity-Threat (SWOT) matrix.
The result of this research shows that the main strength of OASKI lies in Key Activities and Customer Relationship element, with a really high score of 5. Its main weakness is in Key Resources and Cost Structure element. The opportunities of all elements in the business model of OASKI have an almost similar high score of around 4. The opportunity with the highest score exists in Customer Segments element. This element is the most complex one as it hashigh opportunity and threat. It has a threat with a high score of 4.5.
Several development strategies for OASKI refer to the development in Key Activities element, for example the addition of halal accreditation, recruitment of experts in halal food, and human resource training on halal food. OASKI needs to open new market segment as Japanese population tends to decline from year to year. The young population currently tends to not liking rice-based foods. Opening new market segment does not mean that OASKI must do the export because it has not been able to do it with its current resources. OASKI can harness its current potentials to fulfill the value desired by muslim consumers, namely halal products. The aspects that need to be paid attention to are not only hygiene but also the whole production process from the upstream to the
downstream that is according to the Islamic sharia. It surely needs to be supported by the human resources who understand about it