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All Journal Mu'amalatuna: Jurnal Ekonomi Syariah
Yuliani (Universitas Siliwangi), Nadia
Unknown Affiliation
Religion Economics, Econometrics & Finance

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SOAR Analysis in the Development of Mitraguna Berkah Financing at Bank Syariah Indonesia KCP Tasikmalaya HZ Mustofa Nurkaromah (Universitas Siliwangi), Silvia Ripa; Yuliani (Universitas Siliwangi), Nadia
Mu'amalatuna: Jurnal Ekonomi Syariah Vol 8, No 02 (2025): Mu'amalatuna: Jurnal Ekonomi Syariah
Publisher : Universitas Muhammadiyah Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36269/muamalatuna.v8i02.3854

Abstract

This study aims to analyse the development strategy of Mitraguna Berkah financing products at Bank Syariah Indonesia (BSI) KCP Tasikmalaya HZ Mustofa using the SOAR (Strengths, Opportunities, Aspirations, Results) approach. This research uses descriptive qualitative methods through interview techniques and field observations. The results of the analysis show that the strength of the product lies in the payroll autodebet scheme, competitive margins, no collateral, as well as the support of digitalisation and communicative consumer human resources. Development opportunities are wide open through the potential of payroll customers, Islamic financial literacy, and untapped market areas. The resulting strategy includes increasing Islamic financial literacy, promoting bundling as a form of financial hijrah, strengthening the customer-centric approach based on spiritual values, and expanding through strategic partnerships.
Co-Authors Nurkaromah (Universitas Siliwangi), Silvia Ripa