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All Journal Jurnal YIN YANG Jurnal KOMUNIKA el-Jizya: Jurnal Ekonomi Islam Indonesian Journal of Islamic Business and Economics (IJIBE) Mabsya : Jurnal Manajemen Bisnis Syariah Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Pengabdian Masyarakat (ABDIRA) Ijtimā`iyya: Journal of Muslim Society Research Mabsya: Jurnal Manajemen Bisnis Syariah Jurnal Ekonomi, Bisnis dan Manajemen Populer: Jurnal Penelitian Mahasiswa Profit: Jurnal Manajemen, Bisnis dan Akuntansi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Pengabdian Masyarakat Bangsa Miftah JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Wealth: Journal of Islamic Banking and Finance
Yoiz Shofwa Shafrani, Yoiz Shofwa
STAIN Purwokerto
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Analisis Penerapan Balanced Scorecard Pada Kinerja Karyawan Bank BRI Unit Sokaraja Tengah Julianti, Taliyah; Puspitaningrum, Devi; Hasna, Amelia Nilal; Shafrani, Yoiz Shofwa
Populer: Jurnal Penelitian Mahasiswa Vol. 4 No. 1 (2025): Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v4i1.3396

Abstract

This study aims to explore the implementation of the Balanced Scorecard (BSC) through the digital system "MyCore" in measuring and improving employee performance at Bank BRI Unit Sokaraja Tengah. Using a descriptive qualitative approach, data were collected through semi-structured interviews with key informants, observations of work practices, and analysis of internal documents (performance reports, SOPs). Data analysis was carried out through data reduction, data presentation, and drawing conclusions with verification through source triangulation. The research findings indicate that the "MyCore" system integrates four BSC perspectives (finance, customer, internal business process, learning & growth) with specific performance indicators that affect incentives and career development. The financial and customer perspectives appear to have a strong emphasis, reflected in the direct impact on incentives and bonuses. The implementation of internal business processes is supported by standardization through MyCore and technology adoption. The importance of the learning and growth perspective is realized through regular training programs and bootcamp interventions for low-performing employees, which have proven effective in improving subsequent evaluation scores. In general, the implementation of the BSC via MyCore creates a structured, transparent, and adaptive assessment mechanism, encouraging productivity and professionalism. The implications of this study emphasize the importance of a transparent performance evaluation system that has a direct impact on career development and incentives, while also demonstrating the effectiveness of structured interventions in improving employee performance at the micro banking unit level.
Analisis Kompetitif Bank Syariah Karang Kobar Melalui Pendekatan Porter’s Five Forces Fathonah, Aenia Latif; Pratami, Luthfi Ranawati; Depisari, Unik; Shafrani, Yoiz Shofwa
Populer: Jurnal Penelitian Mahasiswa Vol. 4 No. 1 (2025): Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v4i1.3425

Abstract

This study aims to analyze the competitive advantage strategy of Islamic Banks using the Porter's Five Forces approach, which is used to understand the competitive position of Islamic Banks in facing the dynamics of the financial industry that continues to grow. This study includes qualitative research methods with the approach of Field research and Library research, which are supported by interviews or observations as the main data collection techniques. The results of the study indicate that the Threat of New Entrants BSI Karang Kobar is aware of the threat of new entrants and faces internal challenges, especially in the marketing aspect which is still low. Customer strength is shown through the influence of satisfaction with products and employee behavior on loyalty, especially on flagship products such as KPR, gold installments, and micro financing. Supplier strength shows that there is a great opportunity for suppliers to establish partnerships with Islamic financial institutions. The threat of substitute products has not been found directly, but digital transformation to the Byond By BSI platform is a concern. In industrial competition, BSI Karang Kobar admits that it still faces challenges, such as limited economies of scale compared to conventional banks. Thus, the application of sharia principles in the formulation of business strategies allows Islamic banks to build customer loyalty and create sustainable competitive advantages. Porter's Five Forces approach has proven to be relevant and effective in helping Islamic banks formulate adaptive and valuable strategies in facing competition in the modern financial industry.
Analisis Strategi Pengembangan Koperasi LKMS Amanah Berkah Nusantara dengan Pendekatan Matriks Space Nuriyah, Armida Arka; Rahmadiani, Arzanti; Zuhela, Salma; Shafrani, Yoiz Shofwa
Populer: Jurnal Penelitian Mahasiswa Vol. 4 No. 2 (2025): Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v4i2.3446

Abstract

In order to provide financial access to groups in society that are not yet fully served by formal financial institutions, cooperatives have become very important. LKMS Amanah Berkah Nusantara Cooperative is one example of a sharia cooperative, with a non-profit model and a strong social orientation, this cooperative is here to be a solution to financial problems in the business being run. The cooperative needs to be more adaptive in strategizing its development in the face of changes in the current external environment. This research uses the Matrix Space approach, measuring four dimensions, namely financial strength, competitive advantage, industry strength and external environmental stability. As a result, Amanah Berkah Nusantara MFI Cooperative is in an aggressive strategy position as shown through the calculation of space coordinates (X = 4; Y = 0.67), which means that the cooperative has significant strengths in industrial strength and fairly good environmental stability, although it still faces challenges in terms of internal efficiency and technological competitiveness. The most recommended strategy is an active growth strategy that includes regional expansion outside the sub-district, strengthening the inetrnal digitalization system, and differentiating services through intensive assistance to customers
Strategi Pengembangan Bisnis Dengan Menggunakan Matriks Ansoff Pada Bank Mandiri Cabang Banjarnegara Sabana, Hesti; Ismaya, Nesha; Nandisa, Alfath Shofa; Shafrani, Yoiz Shofwa
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3347

Abstract

This research discusses the business development strategy of Bank Mandiri Banjarnegara Branch using Ansoff Matrix as the main analysis tool. The issue raised is how this branch designs and implements growth strategies amidst banking industry competition and local challenges, such as limited digital infrastructure and customer characteristics. The research objective was to describe the implementation of the four Ansoff Matrix strategies, namely market penetration, market development, product development, and diversification, in the context of branch operations. Qualitative descriptive research was used, with data collection through interviews, observation, and documentation. The results showed that Bank Mandiri Banjarnegara Branch implemented market penetration strategy through active promotion and service improvement, market development strategy by cooperating with customers as mini ATM partners, product development strategy through customer needs survey, and diversification strategy with strict risk mitigation. The conclusion of this study confirms that the application of Ansoff Matrix in a structured manner is able to assist branches in facing competition and optimizing business growth opportunities in non-metropolitan areas.
Analisis Strategi Bersaing Pada KSPPS Hanada Quwais Sembada Kebasen Menggunakan Competitive Profile Matrix (CPM) Rahmawati, Safira Aulia; Nurazizah, Khofifah; Maula, Muhammad Ihza; Shafrani, Yoiz Shofwa
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3423

Abstract

This study examines the competitive strategy of KSPPS Hanada Quwais Sembada Kebasen amidst intense competition in the microfinance sector, particularly against BPR Bank Surya Yudha Patikraja and PNM Mekar Sampang, which have advantages in technology and service coverage. This theme is chosen due to the importance of understanding the competitive position of community-based Islamic cooperatives to remain viable in the local market. This research employs a case study method with a qualitative descriptive approach. Data collection is conducted through interviews, observations, and documentation, which are then analyzed using the Competitive Profile Matrix (CPM) tool to assess the strengths and weaknesses of KSPPS Hanada relative to its main competitors, based on key factors such as market reputation, service quality, territorial coverage, product innovation, and technology utilization. The research findings indicate that KSPPS Hanada Quwais Sembada has advantages in market reputation, personalized service quality, and closeness to its members, but still lacks in territorial coverage and digital technology adoption. In conclusion, KSPPS Hanada Quwais Sembada needs to enhance innovation and service digitalization to compete better in the increasingly dynamic microfinance sector..
Strategi Pemasaran Menggunakan Analisis Ansoff Dalam Meningkatkan Pemasaran Produk di Pegadaian Kantor Cabang Purwokerto Zeliana, Aura Nadisha; Shafrani, Yoiz Shofwa; Saputri, Imel Nurul; Fernansyah, Nio Kenshi Pratama
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3445

Abstract

Pegadaian is one of the Islamic financial institutions in Indonesia that continues to expand its market share through various marketing strategies. This study aims to analyze the market penetration strategies implemented by Pegadaian and identify the efforts that can be made to increase customer interest. The research method used is descriptive qualitative with a literature study approach from various accredited national journals in the last five years, as well as document analysis related to Pegadaian marketing strategies. The results of this study reveal that Pegadaian market penetration strategy is carried out through the optimization of digital promotion, the development of innovative products and services, and the improvement of financial literacy in society. Digital promotion strategies are carried out by utilizing social media and other online platforms to increase product awareness and education to the general public. In addition, product development such as Arrum Haji and Tabungan Emas has become an effective innovation in meeting market needs. Pegadaian is also actively conducting financial education through seminars, workshops, and outreach programs as a form of improving financial literacy and customer loyalty. These three strategies have consistently proven to attract new customers, increase loyalty, and strengthen Pegadaian position amidst the competition in Islamic financial institutions. This research contributes to enriching the study of marketing strategies for Islamic financial institutions, particularly in the pawnshop sector. The novelty of this research lies in the systematic and detailed mapping of Pegadaian market penetration strategies based on the latest literature.
Analisis SWOT Pada KSPPS BKK Bersama Kami Kasembadan Purwokerto Fauzi, Hafiz Zaki; Aflah, Nafilah; Setyamien, Salsabila Khairunisa; Shafrani, Yoiz Shofwa
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 4 No. 2 (2025): Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v4i2.3497

Abstract

This research was conducted with the aim of identifying the strengths, weaknesses, opportunities, and threats (SWOT) of KSPPS BKK Bersama Kami Kasembadan Purwokerto in the current era of digitalization. This research uses a qualitative method with a case study approach. Data collection was carried out directly to the Manager of KSPPS BKK Bersama Kami Kasembadan. The results of the study showed that the total score of the IFAS matrix (strengths and weaknesses) was 2.58, which means that KSPPS has quite strong internal potential, although there are still a number of weaknesses that need to be fixed to increase competitiveness. While the total score of the EFAS matrix (opportunities and threats) was 2.55, which means that KSPPS is quite capable of utilizing external opportunities and is quite effective in dealing with threats in the external environment, but there is still room for improvement. Therefore, the right SWOT strategy to apply is an aggressive or growth strategy with a Strengths and Opportunities (S-O) pattern, namely expanding the market, especially among Muslim communities who are increasingly aware of the importance of Islamic finance, establishing cooperation with Islamic schools and religious communities using a reputation for healthy and stable financial management as an attraction, as well as traditional trader markets with a personal approach based on practical and easy-to-understand product strengths.
Analisis Penggunaan Business Model Canvas Terhadap Persaingan Bisnis Pada BMT El-Mentari Purwokerto Sholihah, Najwa Aulia; Parmono, Aldi Dwi; Siwi, Sri Rahayu; Shafrani, Yoiz Shofwa
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.4758

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan Business Model Canvas (BMC) dalam memahami dan meningkatkan daya saing bisnis di BMT El-Mentari Purwokerto. Menggunakan metode deskriptif kualitatif, data dikumpulkan melalui wawancara mendalam dengan manajer dan karyawan BMT, serta dokumentasi dan studi pustaka. Hasil penelitian menunjukkan bahwa kesembilan elemen BMC (Customer Segments, Value Propositions, Channels, Customer Relationship, Revenue Streams, Key Resources, Key Activities, Key Partnership, dan Cost Structure) telah diterapkan secara efektif untuk menjawab kebutuhan pasar, memperkuat hubungan dengan nasabah, serta menjaga keberlanjutan operasional koperasi syariah tersebut. Strategi seperi sistem jemput bola, promosi berbasis komunitas, dan penguatan kemitraan lokal menjadi kunci dalam menciptakan nilai tambah dan diferensiasi layanan. Kesimpulan dari studi ini menyatakan bahwa Business Model Canvas mampu manjadi alat strategis dalam meningkatkan efisiensi dan daya saing lembaga keuangan syariah di tengah dinamika pasar yang kompetitif.
Analisis KUD Cilongok Menggunakan Space Matrix Strategi Pengembangan Unit Simpan Pinjam dan UKM Mart Mukarromah, Laili; Ulfi, Lie Aulia; Melani, Niken; Shafrani, Yoiz Shofwa
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 2 (2025): Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v4i2.3240

Abstract

This research aims to analyze the strategic position of the Village Unit Cooperative (KUD) Cilongok using the Strategic Position and Action Evaluation (SPACE) Matrix method and formulate development strategies for savings and loan units and supermarket businesses. The research method uses a quantitative-qualitative approach with data collection techniques through observation, interviews, and documentation. SPACE Matrix analysis is carried out by identifying factors of financial strength, competitive advantage, industry strength, and environmental stability. The results show that KUD Cilongok is in an aggressive quadrant position with relatively high values of financial strength and industry strength. The recommended strategies include market penetration, market development, product development, and business diversification. The implementation of these strategies is expected to improve the performance of KUD Cilongok's savings and loan units and supermarket businesses, as well as improve the welfare of members and the surrounding community.
Analisis Kondisi Bisnis BMT Bahtera Dalam Memasuki Pasar Industri Jasa Keuangan Syariah : Pendekatan General Electric Ani Rohanah; Azahra, Dian Fatimah; Sendy, Debby Laura; Shafrani, Yoiz Shofwa
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 2 (2025): Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v4i2.3281

Abstract

This study aims to analyze the business condition of BMT Bahtera in entering the market of the syariah financial services industry using a General Electric Matrix approach. The method used in this study was in-depth interviews with the internal informant from BMT. The research result shows that BMT Bahtera’s strength is on the digitalization services, Human Resources competencies and saving and financing products innovation. Despite recently entering the Purwokerto territory, the business is growing with high potential market share using direct promotion strategy and effective institutional cooperation.
Co-Authors Aflah, Nafilah Alfarisi, Akmal Aziz Ani Rohanah Argianto, Rifqi Tegar Ashfa, Muhammad Aqila Astuti, Sonia Salma Widi Aviana, Nagita Lyra Ayuni, Titi Salma Azahra, Dian Fatimah Baetisalamah, Nadiva Amelia Baihaqi, Muhammad Ramadhan Cahyani, Agustin Tri Cery, Cery Depisari, Unik Destiana, Diah Sari Dewi, Nurul Fazriyanti Aulia Evridanisa, Nayla Cahya Fariha, Zulfia Nur Fathonah, Aenia Latif Fauzi, Hafiz Zaki Fernansyah, Nio Kenshi Pratama Findianingsih, Arisa Fitriana, Novika Nur Fitriani, Ahwat Galadea, Aflakha Filosofi Hasna, Amelia Nilal Hasnita, Yuliana Nur Humeriatunnisa, Asky Husen, Saadilah Amril Husnia, Atika Ismaya, Nesha Ismiati Ismiati Isnaeni, Devit Ruman Istiqomah, Laela Nur Julianti, Taliyah Khasanah, Anisa Cahyawiru Kurniawan, Pandu Lestari, Azhlia Dyah Lili Erlina Maula, Muhammad Ihza Maulida, Indah Ilma Melani, Niken Mukarromah, Laili Munawaroh, Nur Ismawati Nafila, Isna Nandisa, Alfath Shofa Ningrum, Adelia Cahya Nisa, Sofaratun Nurazizah, Khofifah Nurhaliza, Putri Amellia Nurhayati, Laily Nuriyah, Armida Arka nurul khotimah Odilien, Rizka Ayu Okty Oktaviani, Widya Oktavianingsih, Wiji Parmono, Aldi Dwi Pransiska, Ega Pratami, Luthfi Ranawati Puspitaningrum, Devi Putri, Dewi Ayu Maharani Putri, Dina Alliah Anggreani Putri, Nadiya Berliana Putri, Nindita Septiana Qoyyafa, Falliza Mauliya Rahma, Raysha Aura Rahmadiani, Arzanti Rahmawati, Safira Aulia rahmini hadi Rahmini hadi Raihan, Ziddan Ni’am Ramadhanti, Salsabilla Ramanda, Nanang Aziz Sabana, Hesti Salsabila, Mischel Saputra, Aditya Gilang Saputri, Andina Velisha Saputri, Imel Nurul Sari, Sinta Kartika Seftiani, Afifah Tri Selitri Melina Sendy, Debby Laura Septianingsih, Leny Setyamien, Salsabila Khairunisa Sharunh, Mohammad Rizna Sholihah, Najwa Aulia Siwi, Sri Rahayu Sochimin Sochimin Sulasih Sulasih Ulfi, Lie Aulia Wahyuningtyas, Ida Puspitarini Weni Novandari Wulandari, Lutfiah Zahrotunnida, Nabila Zeliana, Aura Nadisha Zuhela, Salma Zuhwa, Unfah Ziyan