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The purpose of this paper is to determine the TOWS Matrix Analysis of the operationalization of BP. Tapera (Public Housing Savings Implementing Agency), so we can plan the institution's business strategy going forward. Later this institution can anticipate in the form of strategy formulation (vision, mission, objectives, strategies, policies), strategy implementation (programs, budgets and procedures), including the preparation of organizational structures and other matters (Wheelen & Hunger, 2006). The research method used is the external and internal analysis of the strategic management model (Wheelen & Hunger, 2006). Based on the Matrix analysis results, there are 12 basic Business Strategies. In conclusion, BP. Tapera can immediately implement the TOWS Matrix as its Business Strategy in response to the institution's SWOT analysis.

This study aims to implement a SWOT Analysis of the operationalization of BP. Tapera (Badan PelaksanaTabungan Perumahan Rakyat or translated in English as Public Housing Savings Implementing Agency), so that we can see the challenges the agency is facing in the future. The research method used is the external analysis and internal analysis of the strategic management model. Based on the results of SWOT analysis research, there are opportunities for high economic growth and a large population, while threats are requiring high Operational costs and IT investment costs, whilst the strengths are a culture of mutual cooperation and transparent information system, on the other hand, weaknesses have no branches and weak human resources. In conclusion, BP. Tapera must immediately formulate and implement strategies to respond to the SWOT analysis.