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All Journal Jurnal Ekonomi, Bisnis dan Manajemen
Putri, Nadiya Berliana
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Economics, Econometrics & Finance

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Analisis Competitive Profile Matrix (CPM) Pada KSPPS BMT Dana Mentari: Strategi Peningkatan Daya Saing dalam Ekonomi Syariah Fariha, Zulfia Nur; Putri, Nadiya Berliana; Odilien, Rizka Ayu Okty; 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.v4i2.3458

Abstract

KSPPS BMT Dana Mentari Purwokerto faces tight competition with other cooperatives such as PNM Mekar Sudagaran Sidareja in supporting MSMEs through sharia financing. This study analyzes the competitive position of BMT Dana Mentari using the Competitive Profile Matrix (CPM) and formulates a sharia-based business strategy. A descriptive qualitative approach is applied with data from interviews (May 2025), observations, and documents (OJK, 2025). The CPM results show that BMT Dana Mentari has a score of 3.25, superior to PNM Mekar (3.05), with strengths in sharia compliance and personal service. The main weakness is digital technology. The proposed strategies include digitalization of mobile applications (2026) and development of musyarakah products, in accordance with the itsar principle. This study provides guidance for sharia cooperatives to increase the competitiveness and empowerment of MSMEs.
Co-Authors Fariha, Zulfia Nur Odilien, Rizka Ayu Okty Yoiz Shofwa Shafrani, Yoiz Shofwa