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All Journal Jurnal Ilmu Pertanian Indonesia Jurnal Agribisnis Indonesia (Journal of Indonesian Agribusiness) Forum Agribisnis AGRARIS: Journal of Agribusiness and Rural Development Research Al-Muzara'ah Jurnal Penelitian Kelapa Sawit BHUMI: Jurnal Agraria dan Pertanahan Industrial Research Workshop and National Seminar AGRARIS: Journal of Agribusiness and Rural Development Research
Anisa Dwi Utami
Center For Islamic Business And Economic Studies (CIBEST), IPB University
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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Journal : Al-Muzara'ah

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Strategi Pengembangan Bank Pembiayaan Rakyat Syariah di Indonesia Anisa Dwi Utami; Lukman M Baga; Rahmat Yanuar; Tita Nursyamsiah; Busaid; Yekti Mahanani
AL-MUZARA'AH Vol. 11 No. 1 (2023): AL-MUZARA'AH (June 2023)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.11.1.47-61

Abstract

The business growth of Islamic rural Bank (BPRS) in Indonesia is higher than conventional rural bank, meanwhile it has the lower market share. One of the reasons could be the intense competition faced by Islamic rural banks with another islamic finance institution such as baitul maal wat tamwil (BMT) and islamic commercial banks which have also penetrated into the MSME segment. It makes islamic rural banks are often called having middle child syndrome, which have no speciality in facing the markets. This study aims to identify the strategy to develop and deep the market of islamic rural banks in Indonesia. This study was conducted using primary data through interview and focus group discussion (FGD) and SWOT. The methods used are business model canvass (BMC) and SWOT. The results of this study identified five key factors that play an important role in the development of the BPRS industry, namely 1) capital factor, 2) human resource (HR) factor, 3) information technology infrastructure factor, 4) business model, and 5) regulatory aspect.
Co-Authors ., Harianto Ach Firman Wahyudi Alfira Yanamisra Amelia Utsaha Bayu Krisnamurthi Busaid Didin Saefudin Dina Nurdinawati, Dina Fariyanti, Anna Hepi Ludiyati Lukman M Baga Lukman Mohammad Baga Mohamad Shohibuddin Muhammad Royun Nuha Putri, Tursina Andita Rahmat Yanuar Rina Nadlrotul Musilah Suharno Suprehatin Suprehatin Tita Nursyamsiah, Tita Vieri Revaly Prasasta Sudewo Yekti Mahanani