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The purpose of this study was to identify the internal implementation strategy issues encountered by a bank in South Africa. Challenges are phased in by South African banks during the fourth stage of the strategic planning process. Banks must be aware of the internal issues affecting the implementation stage. The banking industry in South Africa plays a significant role in the regional economy and market. The article's underlying contingency theory highlights how crucial it is for South African banks to use a range of approaches to address problems that can prevent them from implementing their strategies. Data were mostly gathered through semi-structured interviews with 25 workers of a bank in South Africa. Atlas.ti version 23 software was used to analyse the participant data gathering. The findings show that the South African bank is facing internal issues as a result of senior managers' decision to exclude junior and middle management's participation from the overall plan. This will demotivate those involved and result in a lack of support for the plan. Inadequate support from the change management team and communication from the management team regarding the new plan.

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.