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All Journal Shirkah: Journal of Economics and Business Journal of Aquaculture and Fish Health JIEB : Jurnal Ilmiah Ekonomi Bisnis Bertuah : Jurnal Syariah dan Ekonomi Islam Tsaqafatuna: Jurnal Ilmu Pendidikan Islam Jurnal Relevansi : Ekonomi, Manajemen dan Bisnis Idarotuna : Jurnal of Administrative Science Tasharruf: Journal of Islamic Economics and Business Journal of Islamic Education Counseling Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Moderasi : Journal of Islamic Studies Jurnal Serambi Ekonomi dan Bisnis Revenue Journal: Management and Entrepreneurship Maslahah: Jurnal Manajemen dan Ekonomi Syariah JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Assyfa Journal of Islamic Studies Proceeding of International Conference on Humanity Education and Society Seroja Husada: Jurnal Kesehatan Masyarakat PENG: Jurnal Ekonomi dan Manajemen Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Tasharruf : Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Ekopedia: Jurnal Ilmiah Ekonomi Jurnal of Islamic Economic Studies Cashless
Saiful Bakhri
Sekolah Tinggi Agama Islam Salahuddin Pasuruan, Indonesia
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Digital Innovation Strategies in Sharia Cooperative Business Transformation: Mobile App Impact on Financial Performance and Member Satisfaction Saiful Bakhri; Aunur Rofiq; Dikril Faizum
Revenue Journal: Management and Entrepreneurship Vol 3 No 1 (2025): Revenue Journal: Management and Entrepreneurship
Publisher : CV. Bimbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/rjme.v3i1.479

Abstract

This study examines digital innovation strategies in the transformation of sharia cooperative businesses, focusing on the impact of mobile app implementation on financial performance and member satisfaction. A case study was conducted on KSPPS BMT UGT Nusantara, a microfinance sharia institution that has adopted digital technology in its services. Using a mixed-methods approach, the research analyzes data from in-depth interviews, member surveys, and institutional financial reports from 2018-2023. Findings reveal that adopting mobile apps significantly increased the cooperative’s fee-based income by an average of 15% annually since implementation. Factors such as ease of use, transaction security, and incentive programs play vital roles in technology adoption among members. However, challenges such as digital gaps across member generations and the need for improved digital literacy were identified. Member satisfaction analysis shows a 20-point increase in Net Promoter Score (NPS), indicating a positive impact of digital innovation on member loyalty. The study also reveals that digital transformation has driven operational efficiency, with a 5% decrease in the operating cost to operating income ratio (OER) over the last two years. This research contributes theoretically and practically to understanding the role of digital innovation in sharia cooperative business transformation. The findings highlight the importance of comprehensive digital strategies focused on technology adoption, member digital capability development, and business model adjustment. Managerial implications include recommendations for sustained technology investment, digital education programs for members, and data-driven service development to enhance the value proposition of sharia cooperatives in the digital era.
Co-Authors A Ifayani Haanurat Abdussalam Adek Nuriya Ahmad Djalaluddin Akhmad Taufiq Mukti Ana Pratiwi Anisak Anisak Anisak Anisak1, Anisak AUNUR ROFIQ Aunur Rofiq Ayun, Qurrotal Dikril Faizum Dikril Faizun Dikril Faizun Dinna Intika Sari Erisa Loviana Faizum, Dikril Fatah, Muchamad Iqbal Fathma Hanum Fathma Hanum Fathmah Hanum Fatmah Hanum Fatmah Hanum Fi’satil Kamila Frida Auliya A Fuadah Johari Hainnuraqma Binti Rahim Hamidah Wakid Hanum, Fathma Hanum, Fathmah Hasnah Haron Hidayat, Ahmad Dani Taufik Hilda Sanjayawati Holisah, Jahirotul I Nyoman Budiono Ilham Wahyudi Irham Maulana, Moh. Kasuwi Saiban Khotibul Umam Konita Mardia Liatul Aini Loviana, Erisa lutfiyah Mardliyyah Maulana, Moh Irham Maulana, Moh. Irham Mauliddiva, Aziza Misbahul Munir Mita Amelia Pratiwi Moch. Mahsun Mubarok, Ahmad Fauzan Muchamad Iqbal Fatah Muhammad Alwi Muhammad Alwi Muhammad Nur Kholis Muhammad Yazid Ni’matush Sholihah Novi Dian Pertiwi Nur Aima Shafie Nur Asnawi Nur Jannah, Laila Nuril Aini Nurul Khofifah, Nurul putri ageng23 Putri Yani Rachmawati Putri, Nadia Azalia Rahman, Anisur Rozi, Fathor Sagita Martha Triyani Salsabila Firdaus Sari, Dinna Intika Satriyo, Cindy Charisma Setyantini, Woro Hastuti Silda Labibi silda Labibi Siti Hasanah Siti Ilfiah Siti Kadariah Siti Musfiqoh Siti Pamrih Anjas Wulandari Sulistyowati Sultan Hasanudin Sultan Hasanudin WAHYUDI Yazid, Azy Athoillah Yusuf Yusuf