Kontigensi: Jurnal Ilmu Manajemen Vol 13.
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IMPLEMENTATION OF COMPETITIVE ADVANTAGE STRATEGY
THROUGH ENVIRONMENTAL ADAPTABILITY.
DIGITAL
TRANSFORMATION AND TECHNOLOGICAL INNOVATION IN
OPTIMIZING PT PERFORMANCE.
JAMKRINDO SYARIAH
Susilo Toto Raharjo1.
Dyah Niken Pangestuti2 Management.
Faculty of Economics and Business.
Diponegoro University.
Indonesia dyahnkn99@gmail.
Received: June 01, 2025 DOI: https://doi.
org/10.
56457/jimk.
Accepted: June 22, 2025
Published: June 30, 2025
ABSTRACT
The objective of this research is to examine the Competitive Advantage Strategy of PT.
Jamkrindo Syariah through Environmental Adaptability.
Digital Transformation, and Technological Innovation, and to analyze the obstacles faced in implementing this strategy to optimize the companyAos performance.
The study aims to provide a deeper understanding of how the company leverages these strategies and the challenges it encounters in the process.
The research highlights the importance of adaptability in the face of an ever-changing business environment.
PT.
Jamkrindo Syariah has employed digital transformation and technological innovation as key drivers of operational efficiency and competitiveness.
The company focuses on improving customer service, strengthening IT infrastructure, and using digital platforms for greater accessibility and efficiency in its processes.
By aligning its strategies with market needs.
PT.
Jamkrindo Syariah aims to stay relevant and thrive amidst intense competition.
However, obstacles persist in the implementation of these strategies.
One key challenge identified is the resistance to new technologies among employees, despite the companyAos efforts to provide adequate training and This issue can disrupt the smooth operation of systems and affect overall The research concludes that PT.
Jamkrindo SyariahAos strategy, centered on environmental adaptability, digital transformation, and technological innovation, has great potential to optimize the company's performance.
Yet, overcoming the identified obstacles will be crucial in realizing the full benefits of these strategies, allowing the company to maintain a competitive edge in the market Keywords: Excellence Strategy.
Environmental Adaptability.
Digital Transformation INTRODUCTION Partial implementation of the KUR program big carried out by the guarantee company.
As a unique financial organization, the Guarantee Institution autonomy and empowerment of businesses while expanding access to capital, especially for Micro.
Small and Medium Enterprises (MSME.
and cooperatives, as well as other potential Providing protection against potential losses is the goal of the activity assurance operations, and these risks need to be measured in a way financial .
In activities guarantee this .
Guarantor .
Beneficiary Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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Guaranteed , and Guaranteed is three companies member holding and 6 parties involved .
grandchildren Company.
Data on Currently, subsidiaries and business units that are guarantee has merged with company incorporated in IFG can seen in table as holding (Indonesia Financial Group or IFG) which consists of from 10 Table 1Holding Member Companies Company PT.
Insurance Jasa Raharja's Losses PT.
Assurance Indonesian Credit PT.
Insurance Indonesian Credit PT.
IFG Life Insurance PT.
Bahana TCW Investment Management PT.
Bahana Securities PT.
Bahana Artha Ventura PT.
Bahana Capital Investment PT.
Grahaniaga Main layout Table 2 Company Grandchildren Data Company PT.
Insurance The Son of the Company PT.
Jamkrindo Syariah PT.
Assurance Financing Askrindo Syariah PT.
Insurance Sharia- compliant PT.
National Reinsurance Indonesia PT.
Mitrasraya Adhijasa Source : Wikipedia Indonesia Financial Group (IFG) other words, adaptability is the key to facing change and ensuring success in a understand that integration with dynamic business environment.
holding companies brings challenges A number of majority research and opportunities.
First, companies in industrial countries Still Not yet can must ensure that their business identity and focus remain clear.
Despite being developing countries.
It is because of existence a striking difference between companies must maintain the expertise these two types of countries.
By general and services that differentiate them market conditions in developing from the insurance business.
Second, countries own intensity competition companies must collaborate effectively low effort , change preference buyers , with other entities in the holding and growth low economy .
While in This integration can expand networks, resources, and business competition high effort , demand fast However, companies product increased , and the level must also ensure that strategic growth fast economy (Hidayatullah, decisions remain relevant to the 2.
business objectives of each entity.
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Industry with asset the biggest second after industry insurance soul is industry in General Insurance .
By the end of 2022, assets insurance general develop reaching 8% CAGR to Rp.
By the end of 2022 , the number of premiums are also growing reaching 7% CAGR to Rp.
78 trillion (OJK, 2.
Although its potential big , penetration industry insurance in Indonesia is still low .
In 2021 , penetration insurance to Product Gross Domestic Product (GDP) only reached This is experience decline compared to year previously which 23 % .
Currently there are 149 companies insurance in Indonesia (Mutia, 2.
Based on Association data
information General Insurance of Indonesia
(AAUI),
Association Indonesian Life Insurance (AAJI), and the Association Indonesian Sharia Insurance (AASI) in the first semester of 2023, the growth of each industry only reach around 6.
2%, 1.
8% and 2% respectively yearly (YOY).
Meanwhile , the National Literacy Survey Inclusion Finance (SNLIK) 2022, index literacy by 17% compared to in 2016 and 2019, which reached 19.
4% and 15.
Meanwhile, inclusion also increases by 16.
compared to 2016 and 2019 which The index literacy and inclusion experience improvement , but still below number expectations , which is 5%.
This is to signify that industry we are in a pandemic this is very sharp to organize literacy , only just non linear inclusion of literacy (Primary, 2.
Organizations need to be able to adapt to a constantly changing environment in response to changing external conditions.
It is very important for company For can adapt to be able to Keep going grow and stay relevant .
These changes include shifts in market trends, regulatory changes, and Organizations that are able to adapt quickly can identify new opportunities and address emerging challenges, providing a competitive advantage (Nasution & Aslami, 2.
In the context of a guarantee company that is part of a holding company (IFG), adaptability is key.
Companies must be able to adapt to structural changes and take advantage of the opportunities that arise from this integration.
Although returning to their respective containers .
nsurance or guarante.
, adaptability will ensure that companies remain relevant and competitive in today's business world.
In the research of Ikhwani et al .
, .
it was stated that environmental adaptability can affect competitive In the research The Story of the Unknown .
mentioned that adaptation environment can influence performance heating .
Meanwhile, in Hidayatullah's research .
it was said that while adaptability has a attitude, it has little effect on company In the study by Liboni et , .
it was stated that adaptability is not correlated with Sustainable Dynamic Capability (SDC) because optimal performance is not forever must displayed through response ability good adaptation .
Jamkrindo Syariah emphasizes a competitive development strategy Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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through an approach that focuses on technology development and risk The company has designed a work program that includes several main initiatives.
Jamkrindo Syariah is committed to developing and maintaining online guarantee applications and Host to Host This step is designed to increase efficiency in the guarantee process and facilitate consumer access through digital platforms.
( Annual Report of Jamkrindo Syariah, 2.
In line with that.
Jamkrindo Syariah focuses on strengthening the IT system through the development of a roadmap that is oriented towards improving customer service.
The strengthening IT infrastructure, system security, and technological innovation to improve better customer service.
With this approach, the company not only seeks to maintain and expand market share, but also to increase its competitiveness amidst the dynamics ever-evolving These steps reflect Jamkrindo Syariah's vision to become a reliable and responsive player in the guarantee market, combining advanced Annual Report Jamkrindo Syariah, 2.
Apart phenomenon above , it happened improvement or intensification in effort intensify innovation new product .
This commitment For design and introduce products new to in the market.
There is an intention Respondent For to weave cooperation with Jamkrindo Syariah shows that innovation product This Possible related with collaboration business or partnership with company With Thus , efforts For increase quality and variety product can interpreted as a strategy for expand and strengthen position in the market, as well as as step For fulfil need partner business or consumers .
Design information used by the company with modern technology can give good sustainable and non- sustainable companies only impact on increasing asset company just (Khan et al .
, 2.
In addition, the company also improved the risk mapping module by relying on the existing guarantee database, ensuring that the risk management process can be carried out more accurately and effectively ( Annual Report Jamkrindo Syariah, 2.
developments are also a key factor that influences organizational performance.
The speed of technological innovation requires organizations to continuously monitor and follow the latest Adopting technology can increase efficiency.
operational activities , expanding market reach, and creating competitive Therefore, organizations must have a solid strategy to manage and utilize technology effectively to stay competitive in a changing market (Nasution & Aslami, 2.
In addition to adapting to the technological developments, the ability to innovate seen as a primary condition for maintaining competitiveness and managing development sustainable for companies and the economy as a whole overall (Majornyk et al .
, 2.
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environment dynamically changing business, demands innovate driven by demands , growth products and services, as well as increasing market I nnovation is an effective way to solve problems change that happened moment This (Majernyk et al .
, 2.
Superiority competitiveness of organizations also depends on effective human resource management and Creation superiority compete a organization management including employee skills development and ensuring effective leadership (Suprianto et al .
, 2.
The right business strategy is also needed to achieve competitive advantage, either Thus, adaptation, technological development, and organizational competitiveness are interrelated and must be integrated into the company's overall strategy.
(Nasution & Aslami, 2.
Expectations from the final target after superiority compete fulfilled is improvement performance optimal company (Suprianto et al .
Increase performance optimal adaptation , transformation and innovation directed For reach results With increase superiority compete .
PT.
Jamkrindo Syariah is expected can to achieve improvement optimal performance .
Advantages competition built through adaptability and innovation technology expected become catalyst For maximize results performance company guarantee said , along with with continuous market demands growing and intensity high In line with the dynamic conditions of the general insurance industry and the challenges of financial towards the guarantee company, especially PT.
Jamkrindo Syariah.
Referring to the explanation above , it is revealed that the growth of the general insurance industry tends to be moderate, and financial literacy and inclusion are still below expectations.
Therefore, companies need to have adaptability to a dynamic environment, implement a technology transformation strategy, and innovate to build competitive advantage.
By using a case study at PT.
Jamkrindo Syariah, it can be explored how this company faces technology transformation strategy, and innovates to improve performance amidst market changes and intense Marketing strategy is activity marketing that combines all element mix marketing so that internal and external environment company become harmonious (Kotler & Keller, 2.
This is become combination the most suitable product , price , distribution and promotion For group customer Effective marketing strategies , provide mark For customers and improve connection more customers profitable as well as reach objective company through adjustment with market needs and requirements (Nugraha et al .
, 2.
Management a company No let go from existence management risk .
The reason is , first , the company Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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insurance considered competitive in manage risk , but have a business model with various processes that can own superiority competitive in one area and weak in another .
Second , the assessment towards the management process risk give description about competitiveness company insurance because of this process pushed internally by the Company, different influenced by the market (Ahmed et al.
, 2.
Management risk is part important from the strategy of Because help identify and manage possible risks hinder achievement objective strategic company (Farida & Setiawan, 2.
There is understanding risk said , the company can take decision on steps proactive For minimize impact negative and maximize potential profit from the strategy taken (Farida & Setiawan, 2.
The company will endeavor as strong as Possible For market its products in order to build Power pull consumer (Ichsan et al.
The strategy used the company is very much determined by its goals together with market position and understanding deep about superiority competitive company in matter ability technology , such as development product new as response to change behavior , channel distribution services , enhancement and efficient transfer of communications (Ittiprasert, 2.
overall performance results of PT.
Jamkrindo Syariah can seen from profit clean year running on report finance , that in 2023 PT.
Jamkrindo Syariah experienced decline from year In 2023 .
PT.
Jamkrindo Syariah achieved profit amounting to Rp.
33,889,000,000, while in 2022 it will reach profit amounting to Rp.
189,630,000,000.
Viewed realization in one of branch of PT.
Jamkrindo Syariah, as Example of Semarang Branch in 2023 experience decrease in profit year previously .
In 2022 PT.
Jamkrindo Syariah Semarang Branch has a profit target of amounting to Rp.
22,971,300,251, and for realization achievement profit amounting to Rp.
37,117,852,645 while in 2023 , it has a profit target of increase amounting to Rp.
33,437,778,023 and for realization achievement profit decrease only amounting to Rp.
15,946,937,172 .
The existence of the phenomenon and the changes management in the year 2023 also aims For increase PT.
Jamkrindo Syariah's performance with a strategy of excellence competition applied through adaptability environment , digital transformation and innovation technology in optimize performance of PT.
Jamkrindo Syariah In the late 1990s.
David Teece.
Gary Pisano, and Amy Shuen presented the idea of dynamic capability theory, which has since grown in the field of strategic In order to deal with more complicated and dynamic business contexts, a number of firms are implementing cutting-edge digital technology in strategic procurement.
According to earlier studies, dynamic capabilities (DC.
are less useful in stable and predictable corporate contexts and more useful in dynamic ones .
, high degrees of uncertainty, frequent change, and high complexit.
(Brandon & Knoppen, 2.
Market and supply chain disruptions business caused by the COVID-19 pandemic has Accelerating the progress of today's Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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digital technology represents so that for managers must can overcome The business environment is changing This makes the study of the basic success of DCT relevant.
Adaptability environment is ability organization For respond need changing business with identify and develop ability , resources Power keys , as well as organizational processes others , giving superiority competitive in an ever- changing environment changed (Mwangi et al .
, 2022 ) .
Adaptability can also viewed as superiority capable individual adapt self For anticipate problem , develop solution alternatives , and build environment in accordance with atmosphere in place Work (Syamsuri et , 2.
Technological innovation is the process of developing and applying new technologies or improving existing technologies to create better and more While Information one essential component and the primary force behind business process change is (Masoud & Basahel, 2.
Companies that adopt innovation technology in its business model will more capable maintain superiority competitiveness (Reyes et al .
, 2.
Implementation innovation in a way radical will need difficult skills Because its complexity and uncertainty , however give value , scarcity , and infinity that strengthen superiority competitive company and encourage performance positive (Canh et al .
RESEARCH METHOD
Yin .
explains the research design Where step beginning started from planning with method do election Topic Research .
Next steps is design, where in the research this design can done with method determination method research , informant research , and objects research .
This research method is qualitative.
with approach studies case at PT.
Jamkrindo Syariah.
Sugiyono qualitative approaches are often known as interpretive methods since the data they acquire are more related to the interpretation of data found in the field, and they are sometimes called artistic methods because the research process is more artistic or unstructured.
Furthermore, because it is conducted in natural settings, this approach is often known as a naturalistic research This means that qualitative research uses natural conditions as the main source of data, with the researcher acting as the main Informant selection is a crucial stage in qualitative research that affects the reliability and validity of the data In qualitative research, research subjects include population and sample.
In qualitative research the term Au population Ay is not used , instead, the term "social situation" is used which includes three elements:
place, actors, and activities that interact In addition , in qualitative research, samples are referred to as sources, informants, or participants rather than respondents (Sugiyono, 2.
In this context, informants are people or organizations that have extensive information and expertise related to the subject of the Care must be taken when selecting informants to ensure that the Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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comprehensive understanding of the phenomenon being studied (Patton, 2.
Informants in this study were selected through purposive sampling techniques, where sample selection based on criteria that have been determined by researchers for specific purposes (Bungin, 2.
Purposive sampling allows researchers to select informants who are considered to have the potential to provide rich and informative data.
Criteria for selecting informants can include position in the organization, work experience, specific knowledge of the research topic, and involvement in processes relevant to the research (Tongco, 2.
The object of research in the context of qualitative research methods refers to the entity or phenomenon that is the main focus of the study.
Researchers will conduct in-depth observations of the activities of individuals ( actors ) in a particular location ( place ).
Therefore, the subjects of this study are the informants who have been determined, and the object of this study is the ability environment, has adopted digital performance of PT.
Jamkrindo Syariah.
The researcher's interest in the research object at PT.
Jamkrindo Syariah is driven by the business potential of this next step in determine research design is preparation and data Data in qualitative research is very much needed because the data collected will be studied for the purposes of this research.
According to Lofland in Moleong .
, the main data sources .
in qualitative research are words and actions, the rest are additional data .
such as documents and others.
Qualitative research collects various data from various sources, which is often a characteristic and challenge for qualitative researchers.
According to Sugiyono .
, data analysis techniques are a series of systematic data search and compilation processes obtained from observations and interviews that have been Researchers categorize data, group it, arrange it in patterns, select relevant and important data to be studied in research, and make researchers and others to understand.
All series activities in qualitative data analysis can be done in a two-way communication manner and continues until the required data is completely The ENvivo 12 software application was then used to process the research data gathered from the interview sessions.
Interview data from a few chosen sources was coded using NVivo 12.
Forming primary categories based on the several data sources that researchers have gathered is the primary goal of coding.
According to Sugiyono .
, the degree of accuracy between data reported by the researcher and data found in the study object is known as Valid data is data that is in accordance with the reality that exists in the research object.
One way to increase data validity is by using triangulation techniques.
According to Moleong .
, triangulation is technique to check the validity of data by using something other than the data itself to check the data that has been This study applies the source Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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triangulation technique For ensure validity of the data obtained .
RESULTS
Objects study studies This is ability business in adapt environment , which adopts digital transformation .
For optimizing the performance of PT.
Jamkrindo Syariah.
Interest researcher to object research at PT.
Jamkrindo Syariah is driven by the potential business company This is PT.
Jamkrindo Syariah is child PT.
Jamkrindo company which has stand for 10 years and continuing develop various type guarantee business with provision sharia law .
Description Informant Table 3.
Description Informant Last Length of Division Anita Rahmawati 5 years 6 Business Marketing Cash Loan Bagas Saputro 3 years Non Cash Loan Business Agoeng Hardjono 3 years Business Rio Rizky Fadillah 2 years 8 English Novarisky 10 years Finance .
HR and General Muhammad 6 years 9 Renstra , and Compliance Azammudin I.
Division Theo Domas Santika 6 Years Claim Table 3 provides a detailed The interview results present the description of the profile of the in-depth informants involved in the study, discussions conducted with informants including aspects of education, work related to the research topic.
These experience , and the divisions in which results are an interpretation of the data they work.
Most of the informants have obtained, including the informants' a Bachelor's degree (S.
with varying views, experiences, and understanding work experience, ranging from 2 years of the issues raised.
Interviews were to more than 10 years.
The divisions systematically designed to explore they work in include Business Marketing Cash LoanA Non Cash-Loan, predetermined guidelines, so as to Business .
IT Coordinator .
HR and provide in-depth and comprehensive General.
Corporate Transformation, answers to the research questions.
Renstra , and Compliance , as well as Analysis of the interview results is the Relationship Manager which includes practices in business and claims .
This implementation, identifying challenges, diversity of backgrounds provides a comprehensive perspective on the improvement that can be made.
issues studied, considering that each combining the perspectives of various informant has a strategic role in their informants, it is anticipated that these Name Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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accomplishment of study goals and offer comprehensive insights.
The results of data analysis using NVivo 12, such as Word Cloud .
Tree Map , and Cluster Analysis , provide in-depth insights into patterns and relationships between themes in qualitative data.
Word Cloud displays the most frequently occurring words in frequency-based visualizations, providing an initial overview of the dominant main topics.
Tree Map complements this analysis with a hierarchical representation, showing the distribution of main themes or categories along with subthemes understand the structure of the data in an organized manner.
Meanwhile.
Cluster Analysis identifies groups or relationships between themes based on pattern similarities, providing an indepth perspective on how certain concepts are interrelated in the data.
These three results together provide a foundation for more focused and evidence-based data interpretation.
The output results of Nvivo 12 include:
Figure 1 Word Cloud Based on the word cloud feature, optimizing the performance of PT.
it was found that the word "process" is Jamkrindo Syariah.
the word that appears most often in the The business innovation process data, namely 104 times or 2.
44 %,
that is continuously carried out by PT.
followed by the word " technology " ( Jamkrindo Syariah as a response to the 91 time.
, the word " innovation " ( 85 dynamics of an increasingly complex time.
, and the word " business " ( 77 and competitive business environment.
, and the word "transformation" ( This process reflects PT.
Jamkrindo 74 time.
Figure 4.
1 shows how the Syariah's efforts to improve its business innovation process continues adaptability by utilizing technology in to be carried out at PT.
Jamkrindo digital transformation to optimize Syariah as a form of adaptability to the This current business environment by using transformation involves the application technology to digitally transform in of digital technology to various operational aspects, which not only Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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aims to improve process efficiency, but also to provide added value through more innovative services that are responsive to market needs.
With this strategy.
PT.
Jamkrindo Syariah shows its commitment to remain relevant and competitive in the sharia insurance Figure 2 Tree Map On the other hand, themes such as systems, products, employees , and Less dominant themes, markets occupy the middle position , such as methods, evaluation, holding, which illustrates the significant role of competitors , and divisions , reflecting more specific attention to how the performance, and the obstacles and management, and market dominance achievements that are part of PT.
Jamkrindo Syariah's Meanwhile, the themes of assurance , transformation journey.
Overall, the results of this tree map illustrate the strategies, and success, work, needs , company's priorities and dynamics in and partners show other supporting aspects that contribute to the Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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Figure 3 Cluster Analysis The results of cluster analysis the company's strategic through NVivo revealed data grouping aspect focus is on aligning into nine themes that reflect the the utilization of digital between the transformation with efforts concepts in this study.
to improve the development Cluster 1 , which contains the theme of and efficiency of business Cluster 4, covering targets, achieved, describes the dynamics of technology, digital, and the company's internal work assurance, highlights the must implement and ensure company's approach to resources in each division.
technology in the assurance This Specific strategies importance of adaptation of need to be implemented to each part to development meet targets, and ensure trends in the industry.
gradual success in the Cluster 2, includes emerging themes and H2H which reflects that operational efficiency is Cluster 5, with themes such as HR, supported by emerging consumers, accommodating, technologies, such as H2H .
ost-to-hos.
integrates systems between process, change, cashloan, units or divisions.
bank and claims , describes Cluster 3, which consists of focus, the internal dynamics of the utilization, business and Regulations.
HR, development, shows that Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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consumers describe aspects stakeholders, such as banks and consumers.
Cluster 6, which focuses on evaluation, holding, operational, needs, innovation and strategy underlines the company's Changes that occur at the organizational level, supervision of the holding , show how strengthening digital-based business development .
product development and needed to ensure target adjustment of operational needs in accordance with changes in the business Cluster 7, with elements of success, challenges and environment attention to competition in the market and strategic Cluster 8, which contains ways, development presents that both at the product and operational levels, can be identified as a response to Partnerships are also an important factor in driving innovation, as well as a way to ensure that companies remain competitive in a dynamic market.
Cluster 9, which consists of constraints of constraints faced in operations can be management process to be more effective, not only focusing on maintaining competitiveness, but also on meeting market demands in a sustainable manner.
Overall, the cluster results provide a detailed picture of the interrelated strategic, operational and managerial dimensions.
A holistic transformation, innovation, people management and relationships with companies can adapt effectively to DISCUSSION Strategy of Excellence Compete through Adaptability Environment .
Digital Transformation Innovation Technology in Optimizing the Performance of PT.
Jamkrindo Syariah PT.
Jamkrindo Syariah uses environmental adaptability, digital Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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The implemented technological innovation by utilizing the Host to Host (H2H) efficiency, reduce manual workload, changing market needs.
In addition, the implementation of data-based strategies and the use of Key Performance Indicators (KPI) helps in monitoring the company's performance periodically and ensuring that each division achieves the set targets.
Regular performance evaluations are also conducted to ensure that the results of technological innovation remain relevant to market needs and support the company's growth.
Obstacle in Implementation of Excellence Strategy Compete through Adaptability Environment .
Digital Transformation Innovation Technology in Optimizing the Performance of PT.
Jamkrindo Syariah Although PT.
Jamkrindo Syariah has implemented various strategies to improve its competitiveness through environmental adaptability and digital transformation, the company still faces a number of obstacles in the process.
One of the main challenges is employee adaptation to new technologies.
Although the company has made various efforts to ensure employee understanding of the new system through training and socialization, not all employees can easily adapt to technological changes.
This can affect the smoothness of operations and increase the workload for some individuals who have not fully mastered the technology implemented.
CONCLUSION
The results of this research also technological innovation in corporate strategy, in line with findings in previous research.
Research by Ichsan et al.
found that certain market strategies do not always influence competitive advantage.
In contrast to that.
Jamkrindo Syariah directly integrates technological innovation to support business, such as investing in digital-based systems that support effective risk management.
This strategy shows a focus on innovation as a proactive approach to face market company's competitiveness, reflecting the relevance of the interview results and academic literature.
The results of this research are in line with previous research which also highlights the challenges that arise in the digital transformation process.
Volkova et al.
identified that small insurance companies often face difficulties competing in a dynamic market, especially with new trends and technological needs.
This challenge is similar to the external conditions faced by Jamkrindo Syariah, such as increasing competition with large, more established companies.
addition, studies such as Hidayatullah .
and Liboni et al.
who found that adaptability does not always result in optimal performance, shows the need for a mature strategic This is reflected in Jamkrindo Syariah's strategy which not only adopts new technology but also focuses on employee training and regular evaluation to ensure the success of its implementation.
Thus, even though PT.
While Jamkrindo Syariah has made great efforts to implement a competitive Kontigensi: Jurnal Ilmiah Manajemen Management Science Doctoral Program.
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advantage strategy through digital innovation, the company still faces various obstacles that need to be For this reason, further REFERENCES