The influence of entrepreneurial orientation on strategic alliance decision between rural banks and financial technology: Study on people's credit banks and sharia people's financing banks in the Malang financial services authority area

Doni Santoso, Ainur Rofiq and Mintarti Rahayu
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Doni Santoso: Faculty of Economic and Business, University of Brawijaya, Merpati street No. 5 Madiun, 63129 Indonesia
Ainur Rofiq: Faculty of Economic and Business, University of Brawijaya, Malang, Indonesia
Mintarti Rahayu: Faculty of Economic and Business, University of Brawijaya, Malang, Indonesia

International Journal of Research in Business and Social Science (2147-4478), 2022, vol. 11, issue 5, 67-75

Abstract: This paper aims to examine the influence of entrepreneurial orientation on strategic alliance decisions between rural banks and financial technology with a case study on People's Credit Banks and Sharia People's Financing Banks in the Malang Financial Services Authority area. This research is quantitative research with data collection methods using questionnaire instruments as a tool to collect data. The study used saturated sampling or census techniques. The sample is a strategic decision maker in BPR and BPRS in the Malang Financial Services Authority (OJK Malang) area which includes Malang City, Malang Regency, Batu City, Pasuruan City, Pasuruan Regency, Probolinggo City and Probolinggo Regency. The results showed that Innovativeness, Proactiveness, and Risk-Taking had a significant and positive effect on strategic alliance decisions between rural banks - fintech companies. That is, the high or low level of Innovativeness, Proactiveness, and Risk-Taking affect the strength or not decisions of BPR's strategic alliance with Fintech. Key Words:attitude toward work, cognitive, affective, humanistic, entrepreneurial, environment., Strategic Management, banks, Financial Technology (Fintech), Cybersecurity, Cybercrime, Banking

Date: 2022
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