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Strategies for Upgrading MSMEs Through the Optimization of KUR Financing Utilization at Bank Syariah Indonesia in the Bogor Area Sari, Anum Syantining; Hardjomidjojo, Hartrisari; Raharja, Sapta
Amkop Management Accounting Review (AMAR) Vol. 6 No. 1 (2026): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.3502

Abstract

One of the fundamental problems faced by MSMEs is limited capital. Although MSMEs may have received financing, many still encounter obstacles in elevating their business category. Among these factors are financial literacy and financial inclusion. Therefore, in this study, the data were collected through questionnaires and interviews with 113 MSMEs that have received KUR financing from BSI in the Bogor Area, using purposive sampling. The analytical methods used in this study include both qualitative and quantitative descriptive analysis. This includes classical assumption tests, regression model estimation, and hypothesis testing (t-test). Strategy development uses the Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices, SWOT analysis and QSPM. The QSPM analysis identifies three top-priority strategies that most significantly support MSMEs in upgrading their business class after receiving KUR financing from BSI in the Bogor Area: (1) enhancing financial inclusion by providing easier access to banking services, both savings and financing. (2) improving the reputation and role of KUR in assisting unbankable MSMEs to become bankable and move up in business class. (3) increasing financial literacy among customers to encourage the use of BSI bank accounts for transactions, including digital transactions.
Sustainable Business Optimazation Strategies in the Baduy Honey Industry for Reaching the Global Market Raharja, Sapta; Sarma, Ma'mun; Prasetyo, Anggari
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 21 No. 1 (2026): Manajemen IKM
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/

Abstract

Baduy Honey is a unique honey product produced by the indigenous Baduy community in Kanekes Village, Banten, Indonesia. It is known for its traditional, eco-friendly production methods, which reflect deep local wisdom and have significant potential in both domestic and global markets.This study employs a qualitative approach with descriptive analysis, Business Model Canvas (BMC) mapping, SWOT analysis, Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices, Internal-External (IE) matrix, SWOT matrix, and the Quantitative Strategic Planning Matrix (QSPM) to formulate strategies for sustainable business development.Data for the research was collected through in-depth interviews with 30 respondents selected using purposive sampling techniques. These respondents included traditional leaders, business owners, consumers, government institutions, non-governmental organizations, and honey experts. Additionally, secondary data was obtained from various credible sources such as books, scientific journals, previous research, news articles, and online sources. The data analysis was conducted qualitatively, beginning with BMC mapping to identify the nine key business elements, followed by evaluation through SWOT analysis. The IFE and EFE matrices were used to assess internal and external factors, which were then analyzed with the IE matrix to determine the industry’s strategic position. The SWOT matrix generated 17 alternative strategies, while QSPM was used to prioritize strategies based on their relative attractiveness. The Baduy Honey industry has strengths in local wisdom and environmental sustainability but faces challenges in marketing and distribution. BMC analysis identified nine key business elements, including a customer segment consisting of tourists and health-conscious consumers, as well as a value proposition of pure honey with no additives. The IE matrix placed the Baduy Honey industry in the "hold and maintain" position, recommending strategies to increase market share through digital marketing and product diversification. The QSPM matrix generated priority strategies, which were then implemented through a functional management approach, including Planning (Developing online marketing channels and product education), Organizing (Establishing eco-friendly business partnerships and product certification), Leadership (Promoting through social media and developing digital marketing technologies), Controlling (Maintaining product quality and managing customer databases). The Baduy Honey industry operates under a unique business system based on partnerships with the indigenous community and local wisdom. It holds great potential for growth through digital marketing strategies, product innovation, and environmentally friendly business partnerships.
Co-Authors - Suryahadi Achmad Mujib Afifah Nur Arfiana Ahmad Sulaeman Aida Vitayala S Hubeis Aji Hermawan Aldrich Ilyas Aminah, Mimin Amira Amandanisa Amiruddin Saleh Amril Rahman Anas Miftah Fauzi Andi Asrianto Iskandar Ani Suryani Arahmah, Melina Arifin Derajat Suryana Aris Munandar Aris Munandar Bambang Hero Saharjo Budi Suharjo Chelvi Agnariosa Danang Aria Nugroho Darwin Kadarisman Dewi Auditiya Marizka Dewi Diniaty Dewi, Kiki Mariya Dian Puspitasari Dina Yuliasty Lamefa Dinda Nadhifah Aprillia Djumali Mangunwidjaja Dwi Setyaningsih Enrico Annas Erliza Hambali Erliza Noor Fakhrurrazi, Fakhrurrazi Faqih Udin Faqih Udin Fiora Helmi Firda Dimawarnita Fitriani Kasim Fitry Filianty Fransiska R Zakaria Hanafi, Imron Hartrisari Hardjomidjojo Hidayat, Adhi Nur Illah Sailah Imron, Tubagus Indah Yuliasih Intan Zania Khaswar Syamsu Khumaeroh, Siti Kiki Yulianto Komar Sumantadinata Luluk Sulistiyo Budi M. Syamsul Maarif M. Syamsul Ma’arif Ma'mun Sarma MARIA BINTANG Marimin , Ma’ruf Pambudi Nurwantara Meilan, Tria Mutiari Muhamad Sapoan Muhammad Syamsul Ma arif Muhammad Syamsun Musa Hubeis Muti'atul Chosyi'ah Nastiti Siswi Indrasti Nazli, Rizal Syarief Sjaiful Netra Mirawati Nia Ariani Putri Nike Yosephine Nunung Nurhayati Nurmiati Ono Suparno Pindo Witoko Praba Indariawati Pranata, Wahyu Suradi Prasetyo, Anggari Purana Indrawan Purwaningrum, Cucu Rina Purwo Subekti Rahayu, Nur Fitri Rahmatun Nisful Maghfiroh Ramadhan, Muhammad Rahmad Ridloudin, Ahmad Rifqi Ahmad Riyanto Rizal Syarief Rizky Julianto Perkasa Rosniyati Suwarda Rudi Laksono S. Joni Munarso Saifullah, Rikza Sandro Aldy Sari, Anum Syantining Sayyidina Hamzah Seppa Septarianes Shanti Kirana Anggraeni Slamet Budijanto Soewarno T. Soekarto Soselisa, Jack Absalom Sri Mursidah Sudirman Sudirman Sugeng Hari Suseno Sugeng Heri Suseno Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi, Sukardi Sumiati Sumiati Sumiati Sumiati Syamsul M. Syamsuwarni Rambe Syarifah Rohana Maghfiroh Tajuddin Bantacut Teni - Oktavia Titi Candra Sunarti Tjahja Muhandri Tonni Kusuma Triwulandari S. Dewayana Triwulandari Satitidjati Dewayana Tun Tedja Irawadi Wine Widiana Yandra Arkeman Yuanto, Eka Novah Yusri, Amrizal