STRATEGI BISNIS ERA NEW NORMAL PASCA PANDEMI COVID-19 DI PT BPR ASIA SEJAHTERA

Abstract

The purpose of this research is to examine the implementation of business strategies in the new normal era after the COVID-19 pandemic for PT. BPR Asia Prosperous. The core of this research is in the field of business and operations. This research was conducted using a case study qualitative research method. The data collection technique used in this study was based on interviews based on certain criteria. The results showed that the effects of the COVID-19 pandemic, slightly disrupted credit growth, increased NPL, where the debtor's business income decreased which affected debt repayment, postponement of payments from debtors resulted in an impact on liquidity, delays in credit growth resulted in decreased interest income, operational costs increased due to the implementation of health protocols in the post-pandemic new normal era. The decline in profits resulted in a potential decrease in CAR. As for how PT. BPR Asia Sejahtera responded by implementing specific strategies including implementing healthy practices and relaxing Downsizing, restructuring, focusing on segments with stable income, Network expansion, cost management, review of customer risk profiles and funding delays. implementing an impacted business strategy to combat the impact of the COVID-19 pandemic, and this is how to achieve company goals. to achieve the business objectives of PT. BPR Asia Sejahtera implements these strategies Marketing, Finance, Fundraising, Supervision, Human Resources Development and Operations. There are still obstacles in implementing the business strategy, for example the lack of employee enthusiasm. stable, human resources department is not well organized, lots of requests for grants, only two employees. supervision, and there is still an inadequate operational policy set.