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All Journal Jurnal Sains Student Research JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Ita Solihatun
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Analisis Strategi Bersaing KSPPS Zam-Zam Barokah Menggunakan Competitive Profile Matrix (CPM) di Kecamatan Cilongok Ita Solihatun; Bahar Habibi; Humamul Hakim; Yoiz Shofwa Shafrani
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.v2i2.4986

Abstract

. This study discusses business development strategies at KSPPS Zam-Zam Barokah, located in the Cilongok District. As a Sharia-based financial institution, this KSPPS operates without using an interest-based system. In facing competition with conventional financial institutions, KSPPS Zam-Zam Barokah is required to implement innovative and responsive strategies. In addition, the Competitive Profile Matrix (CPM) method is used to highlight the strengths and weaknesses of competitors. The KSPPS offers various savings products such as Qurban, Pension, Mudharabah, and Wadiah, as well as financing products including Murabahah, Musyarakah, Ijarah, and Qardh, all of which comply with Sharia principles. The findings emphasize the importance of strengthening human resources, developing technology, expanding cooperation networks, and diversifying business efforts to ensure sustainability and enhance the competitiveness of the KSPPS amidst the current economic developments
Analisis Strategi Pengelolaan Biaya Operasional Dalam Peningkatan Efisiensi (BOPO) Pada KSPPS Zam-Zam Barokah Cilongok Pendekatan SERVO Analysis Anisatul Amalia; Ita Solihatun; M. Irwan Farouki; Nindita Septiana Putri; Sutriawati Sutriawati; Sulasih Sulasih
JOURNAL SAINS STUDENT RESEARCH Vol. 3 No. 6 (2025): Jurnal Sains Student Research (JSSR) Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v3i6.6756

Abstract

This study aims to analyze operational cost management strategies in improving efficiency (BOPO) at KSPPS Zam-Zam Barokah Cilongok using the SERVO Analysis approach, which includes five key elements: Strategy, Environment, Resource, Value, and Organization. The method used in this research is descriptive qualitative by means of in-depth interviews with KSPPS internal sources. The results of this study indicate that the efficiency strategy implemented by the institution has been effective, achieving a SERVO Index score of 4.08, categorized as good. KSPPS Zam-Zam Barokah Cilongok has successfully applied efficiency strategies through digital innovations such as the BMT Collector application, cost control, and resource optimization. However, further strategic improvements are required through product diversification, human resource capacity development, and member network expansion to enhance efficiency and institutional competitiveness.
Co-Authors Anisatul Amalia Bahar Habibi Humamul Hakim M. Irwan Farouki Nindita Septiana Putri Sulasih Sulasih Sutriawati Sutriawati Yoiz Shofwa Shafrani