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All Journal Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Risma Haryani Siregar
State Islamic University of North Sumatra

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Strategic Enhancement of Financial Inclusion through Shariah-Compliant Fintech: A SWOT Analysis of Bank Syariah Indonesia KCP Gunung Tua Risma Haryani Siregar; Muhammad Syahbudi; Muhammad Ikhsan Harahap
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 8, No 1 (2021): April
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v8i1.4845

Abstract

This research aims to determine the strategy for increasing inclusive finance through Shariah fintech at Bank Syariah Indonesia KCP Gunung Tua using SWOT analysis. A qualitative research approach was utilized. The results of the SWOT analysis revealed that the IFAS matrix scored 0.6 and the EFAS matrix scored 0.54, indicating Quadrant I and suggesting an aggressive strategy that supports growth policies by leveraging all strengths to maximize opportunities. Based on these results, the improvement strategy for BSI KCP Gunung Tua includes: first, utilizing transaction services available anytime and anywhere to attract individuals who prefer mobile banking (BSI Mobile) (S3, O3); second, capitalizing on the predominantly Muslim community in Gunung Tua, which has great potential, by offering low operational cost services from the Indonesian Shariah bank (S1, O1); third, leveraging the preference for mobile banking transactions with an easy process at BSI (S2, O3)
Co-Authors Muhammad Ikhsan Harahap Muhammad Syahbudi