ANALISIS STRATEGI PENGEMBANGAN LEMBAGA KEUANGAN MIKRO SYARIAH (LKMS) PEDESAAN (STUDI KASUS BMT AL HASANAH SEKAMPUNG)
Abstract: This research of analysis of the development strategy of
Islamic microfinance institutions used SWOT analysis. This study aimed to
analyze the internal and external environmental conditions and alternativestrategies
that can be applied in the development of Baitul Mal Wa TanWil (BMT) Al Hasanah
Sekampung. The BMT internal environmental conditions showed that: 1) the level
of education and skills of the management and employees were quite high and
professionally, 2) the BMT has a strategic location, 3) the boards were very
discipline, 4) the capital was used effectively, 5) product service very
helpful members. Whereas, the five internal weaken factors were: 1) members who
did not understand the concept of sharia, 2) the condition of the narrow
building, 3) the administrative costs, 4) the capital owned cooperative was not
great, 5), not all members could enjoy the service product. While the BMT
external conditions were 1) the availability of capital from third parties, 2)
the BMT adopt profit-sharing system, 3) the government regulations that support
BMT, 4) the majority of local merchants, 5) the online transfer technology, 6)
most of the capital third, 7) the increase of fuel prices, 8) the legislation
government to the concept of sharia, 9) people did not understand the concept
of Islamic and conventional, and 10) the cost of procurement. Based on the
three obtained priority strategies, the highest priority strategic alternatives
were a) improve the quality of care, b) officers and employees had a high level
of education, and c) the cooperation with government and private agencies.
Keywords: BMT, External Power, Internal Power, Strengths Weaknesses
Opportunities Threats (SWOT)
Penulis: Dedik Irawan, Muhamad Irfan Affandi, Umi Kalsum
Kode Jurnal: jppertaniandd130064
