Dampak Inovasi Disruptif dan Karakteristik Organisasi terhadap Resiliensi Kinerja Keuangan Perbankan di Masa Krisis: Studi Kasus di Bank BJB Syariah

Abstract

Banks face greater and tighter competition, with an environment that increasingly emphasizes the digitalization process. Bank BJB Syariah has not been able to utilize its potential to grow. In general, the existence of Bank Bjb Syariah which is still very minimal can also be seen from the aspect of market share compared to Islamic banking in general. The achievement of Bank BJB Syariah's financial performance during the 2019-2021 period tends to stagnate. Therefore, disruptive innovations are needed and organizations with characteristics that are able to adapt to such fast environmental dynamics are also needed so that the sustainability of Bank BJB Syariah's business is maintained. This study aims to explain disruptive innovation, organizational characteristics, and the condition of the resilience of Bank BJB Syariah's financial performance in general during the crisis; analyze the effect of disruptive innovation and organizational characteristics on the resilience of Bank BJB Syariah's financial performance in general during the crisis. The time of this research was conducted within one year, namely 2021. Data collection in this study was carried out using a questionnaire filling mechanism carried out by all representatives of 53 Sub-Branch Office leadership-level officials online using the census method, as well as observation. The population sample in this study amounted to 53 people, consisting of leaders or representatives from 53 Sub-Branch Offices at BJB Syariah banks throughout Indonesia. The data obtained in the study were analyzed using PLS- SEM (Partial Least Square - Structural Equation Modeling). The results showed that disruptive innovation, organizational characteristics, and the resilience of Bank BJB Syariah's financial performance during the crisis showed a diversity of perspectives that opened up ample room for further discussion and research. Disruptive innovation and organizational characteristics are proven to simultaneously improve the resilience of Bank BJB Syariah's financial performance during the crisis. This study also found that there are important priorities for management to be able to improve the resilience of financial performance, including ensuring the achievement of financial performance based on ROE, BOPO, and FDR in accordance with the target.