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All Journal Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Maulida, Indah Ilma
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Decision Sciences, Operations Research & Management

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Analisis SWOT Terhadap Strategi Pemasaran Ijarah Multijasa di BMT Mentari Bumi Panican, Purbalingga Maulida, Indah Ilma; Fitriana, Novika Nur; Ismiati, Ismiati; Shafrani, Yoiz Shofwa
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 3 No. 3 (2025): Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/wawasan.v3i3.3346

Abstract

This study aims to analyze the marketing strategy of the Multi-Service Ijarah product at BMT Mentari Bumi Panican, Purbalingga, using a SWOT analysis approach. The Multi-Service Ijarah is a service-based financing product used for non-asset needs such as education, healthcare, and other urgent expenses. Despite its great potential, the utilization rate remains low, accounting for only 19% of the total financing distributed. This research applies both descriptive quantitative and qualitative methods, through questionnaires and interviews with BMT's internal parties. The findings reveal that the main strengths of BMT lie in its fast and friendly service process and the provision of customer education regarding the contract. Its weaknesses include limited socialization and insufficient use of digital technology. Opportunities exist in fulfilling emergency financial needs, particularly for customers requiring flexible repayment options. However, threats arise from the public's lack of understanding of the Ijarah concept and competition from more recognized and accessible financial institutions and Islamic fintech platforms. Based on the identified SWOT factors, the study recommends strengthening promotional strategies, leveraging digital tools, and enhancing community education to improve competitiveness and market penetration of the Multi-Service Ijarah product. This research is expected to contribute to developing more effective marketing strategies in Islamic microfinance institutions.
Analisis SWOT Dalam Pengembangan Koperasi pada Koperasi Unit Desa (KUD) Rukun Tani Cilongok Mukarromah, Laili; Maulida, Indah Ilma; Maula, Muhammad Ihza; Sulasih, Sulasih
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 3 No. 3 (2025): Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/wawasan.v3i3.3796

Abstract

Abstract. This study aims to analyze the internal and external conditions of the Village Unit Cooperative (KUD) Rukun Tani Cilongok using a SWOT analysis approach to formulate appropriate development strategies to improve the performance and competitiveness of the cooperative in Banyumas Regency. The background of this study is the strategic role of cooperatives, especially KUD, as pillars of rural economy in Indonesia facing various performance problems and competitive challenges. The research method employs a qualitative approach with data collected through in-depth interviews with KUD management and literature review. The analysis identifies KUD's strengths such as strategic location, diversified business units, and price competitiveness; weaknesses including limited competent human resources and capital fluctuations; opportunities from agricultural market potential and government programs; and threats from competition and market liberalization. Based on the SWOT analysis, recommended development strategies include internal strengthening through human resource development, membership inclusion, and utilization of agricultural market opportunities with product and service innovation. These strategies are expected to enhance KUD's performance and competitiveness in supporting the village economy.      
Co-Authors Fitriana, Novika Nur Ismiati Ismiati Maula, Muhammad Ihza Mukarromah, Laili Sulasih Sulasih Yoiz Shofwa Shafrani, Yoiz Shofwa