PESTLE template

External factors to consider Factors affected within my industry Importance to

organisation
POLITICAL Government policy
Political stability Peraturan OJK no 19 tahun 2014
Tax tentang "Laku Pandai"
Industry regulations
Global trade agreements
and or restrictions

ECONOMIC Exchange rates

Globalisation Inflasi 2017 = 3,81%
Economic growth / decline Suku bunga BI = 4,75%
Inflation Suku bunga kredit perbankan
Interest rates
Cost of living nasional July 2017 = 11,73%
Labour costs Pendapatan per kapita 2017
Consumer spending habits GDP 2017
Tingkat NPL Perbankan = 140M
(3,04%)

SOCIAL Consumer trends /tastes,

Fashions Persentase orang yang tidak
Consumer buying habits tersentuh layanan/produk
Lifestyle factors perbankan : 32,2 % (2016)
Career attitudes
Work-life balance
Population demographics

© CIPD 2017
 External factors to consider Factors affected within my industry Importance to
organisation
TECHNOLOGY Automation
Innovation Jumlah ATM di Indonesia
Disruptive technologies
Social networking
Upgrades
Robotics
Artificial Intelligence
Security

LEGAL Employment law

BPJS Ketenagakerjaan
Common law
Local labour law Riba
Health and safety
regulations

ENVIRONMENTAL Environmental restrictions

imposed by in-country
governments
Sustainable resources
CSR (Corporate social
responsibility)
Ethical sourcing
Transportation
Procurement
Supply chain management
Akses keterjangkauan daerah
CSR : Financial Literacy
Financial Education
Adat Istiadat
Kantor Cabang sebagai Sumber
Daya Uang Kartal

© CIPD 2017