Publication Search

70,604 articles from 612 journals · 1,760 citations tracked

Showing 21-40 of 82

Analytics

Imroatus Sholihah; Mudhofar Mudhofar

jurnal Riset Rumpun Agama dan Filsafat 2025 Pusat Riset dan Inovasi Nasional

This study aims to explore the ways in which Islamic Religious Education (PAI) influences the moral growth of Tamanayu 01 Elementary School pupils. Given the difficulties presented by the digital age and shifting societal norms, moral development has become an essential part of basic education. This study combined a case study methodology with a qualitative technique. Observation, in-depth interviews, and documentation with the administrator, parents, instructors, and children were used to collect the data. The findings demonstrated that Tamanayu 01 Elementary School's implementation of PAI was done in a comprehensive way by incorporating Islamic values into the curriculum, holding regular religious events like congregational prayer and sermons, and encouraging teacher cooperation to create a religious school culture. In addition to cognitive dimensions, learning also addressed pupils' emotive and psychomotor aspects. Significant supporting factors included the commitment of the principal and teachers, family and community support, and the availability of infrastructure. However, the process of moral formation also faced obstacles such as limited time for PAI learning, the negative influence of social media, the diversity of student backgrounds, and limited resources. According to the study's findings, PAI plays a strategic role in forming students' personalities through an all-encompassing, contextual, and cooperative approach. It is anticipated that other elementary schools will use these findings as a guide when creating character education programmes based on Islamic principles.

Sarah Haryani; Putri Mulyanti; Adhitya Almanfaluthi Pradigda; Fauziah Afriyani; Lili Syafitri

Jurnal Pengabdian Masyarakat Waradin 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

A cooperative is an economic institution founded on the principles of solidarity and mutual cooperation with the primary objective of improving the welfare of its members. However, low cooperative literacy, particularly in rural areas, remains a major obstacle in optimizing the role of cooperatives as community-based economic institutions. In response to this challenge, a Community Service Program (Kuliah Kerja Nyata/KKN) was conducted in Pulau Harapan Village to provide fundamental knowledge about cooperatives and foster residents’ interest in establishing a community-driven economic organization. The program was implemented in late July 2025 using a participatory approach through three stages: material preparation, interactive socialization with membership and savings-loan simulations, and activity evaluation. A total of 62 participants—including village officials, women farmer groups, MSME actors, and local traders—were actively involved in the program. The results of the activities indicated a significant improvement in participants’ understanding of cooperative benefits. This was reflected in their enthusiastic engagement during discussions as well as the emergence of community initiatives to establish a village cooperative. As a follow-up, plans for an official founding meeting and continuous mentoring have been scheduled. Through these efforts, the cooperative is expected to grow into a sustainable pillar of the local economy

Simorangkir, Debora Juliani; Sinaga, Parbuntian; Setyowati, Retno Kus

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

In the Indonesian economic system, cooperatives play a crucial role as one of the pillars of the national economy, as mandated in Article 33 paragraph (1) of the 1945 Constitution of the Republic of Indonesia. This article emphasizes that "the economy is structured as a joint venture based on the principle of kinship," which serves as the constitutional basis for the existence and development of cooperatives in Indonesia. The research method used in this study is normative juridical, focusing on legal frameworks and regulations related to cooperatives. The results of the study indicate that the government holds an important and strategic role in regulating and supervising cooperatives to ensure the protection of the rights and obligations of cooperative members. Through regulatory instruments such as Law Number 25 of 1992 concerning Cooperatives, the government establishes cooperative principles, good governance standards, and oversight and development mechanisms. The government’s efforts are aimed at ensuring the operation of cooperatives is transparent, accountable, and beneficial to all members. Furthermore, the study found that despite these regulatory efforts, significant challenges remain in the cooperative sector. These include issues such as weak financial reporting, low literacy rates among cooperative members, and the dominance of local elites, which can hinder the equitable distribution of benefits. These challenges need to be addressed to ensure that cooperatives can fulfill their role as economic agents that contribute to national development in line with the principles of kinship and mutual benefit.

Eko Wijayanto; Eny Haryati; Dian Ferriswara

Kajian Administrasi Publik dan ilmu Komunikasi 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study examines the strategic role of Koperasi Desa Merah Putih (Red and White Village Cooperative) in accelerating the achievement of the Sustainable Development Goals (SDGs) in Indonesia, using qualitative document analysis as the primary method. Key institutional documents—namely the Articles of Association/Bylaws (AD/ART) and the Village Medium-Term Development Plan (RPJMDes)—were analyzed to identify cooperative values, integration into local development planning, and contributions to specific SDG indicators. Findings reveal that the cooperative’s core principles—voluntary membership, inclusivity, democratic governance, and equitable profit sharing—align strongly with SDG 1 (No Poverty), SDG 5 (Gender Equality), and SDG 8 (Decent Work and Economic Growth). The RPJMDes analysis indicates formal recognition of the cooperative as a driver of economic empowerment, gender equity, and sustainable community development, with potential scalability to other villages and rural areas in Indonesia. Further analysis demonstrates how the cooperative actively promotes women’s participation in leadership roles, supports income-generating activities for marginalized groups, and encourages the localization of economic value chains. These practices foster not only economic inclusion but also enhance community resilience and social cohesion. However, several challenges were identified. These include inconsistent documentation quality, lack of standardized performance metrics, and limited results-based evaluation frameworks that hinder a thorough impact assessment. Additionally, there remains a gap in digitalization, which affects data transparency and accessibility. The study’s novelty lies in its document-based approach, offering a replicable model for assessing SDG readiness in similar rural institutions. Unlike interview-based studies, this method reduces subjective bias and highlights the importance of formal governance structures.

Winta Panimba; Wilma Dian Ardiyanti; Srisetyawani Bandaso; Yohanis Lotong Ta’dung; Marinus Ronal

Jurnal Pengabdian Sosial 2025 Lembaga Pengembangan Kinerja Dosen

This community service activity was implemented with an educational and participatory approach through outreach activities, lectures, discussions, and intensive mentoring. This activity was aimed at participants in the meeting to establish the Merah Putih Village Cooperative, consisting of various elements of the community, Lembang officials, and several representatives from related sectors who have a direct or indirect relationship with village economic development through cooperatives. The material provided included an understanding of the basics of cooperatives, the benefits of the existence of cooperatives for village communities, as well as the stages or legal and administrative flows in the process of establishing a cooperative in accordance with applicable regulations in Indonesia. In addition, participants were also given insight into the principles of good cooperative governance, financial transparency, member meeting mechanisms, and the distribution of SHU (Surplus Operating Results) fairly and proportionally. The material was delivered through interactive lectures and open discussions that allowed for active participant participation to ask questions, provide suggestions, and express their experiences and hopes for the cooperative that will be formed. The activity continued with mentoring in the process of establishing the cooperative's organizational structure, including the election of administrators, the preparation of AD/ART, and understanding the duties and responsibilities of each element in the cooperative organization. The primary goal of this mentoring activity is to provide comprehensive understanding, increase community capacity to manage cooperatives independently and professionally, and encourage active community participation in productive economic activities through cooperatives. Thus, it is hoped that the Merah Putih Village Cooperative can become a sustainable driving force for the local economy.

Marsanda Dwi Khanifah; Vindi Isna Maulida; Muhammad Agung Syahputra; Reza Fandi Tyasari; Meila Rizka Rahmawati +1 more

Jurnal Motivasi Pendidikan dan Bahasa 2025 International Forum of Researchers and Lecturers

This study examines the effectiveness of implementing a democratic classroom management model in enhancing student learning motivation at Jambu Public Elementary School 3. A descriptive qualitative approach was employed, with data collected through direct classroom observations and interviews involving teachers and students. The aim was to understand how democratic principles applied in classroom settings could influence students’ motivation, behavior, and engagement in learning activities. The findings reveal that adopting democratic leadership in classroom management creates an inclusive, respectful, and participatory learning environment. Students are encouraged to express opinions, collaborate in decision-making, and take ownership of their learning process. This approach significantly enhances intrinsic motivation, responsibility, and student independence. It also helps reduce passive behavior and fosters a sense of belonging and self-worth among students. The results are in line with several prominent educational theories. According to Self-Determination Theory (Deci & Ryan), autonomy and relatedness are key drivers of motivation, which are facilitated through democratic practices. Vygotsky’s Social Development Theory emphasizes the role of social interaction in learning, which is actively promoted in this model. Carl Rogers’ humanistic approach also supports the creation of a learning climate centered on empathy and student potential, while Rudolf Dreikurs’ Adlerian classroom model advocates for respectful teacher-student relationships and cooperative behavior. Overall, the implementation of a democratic classroom management model is considered effective in promoting both academic achievement and character development at the elementary level. The study recommends broader application of this model in primary education settings to support holistic student growth and to foster a learning culture rooted in mutual respect, responsibility, and student agency.  

PURNOMO, YUDHO

Journal of Economic Empowerment and Community Service 2025 STIE Cendekia Karya Utama

This community service activity aims to provide assistance to the Employees’ Cooperative (Kopkar) Poliplas Makmur Santosa in systematically preparing a cooperative performance report in accordance with the principles of good cooperative governance. The challenges faced by the partner include the absence of measurable performance indicators, the lack of a sustainable performance evaluation system, and limited understanding among the management regarding the preparation of a comprehensive performance report. The implementation methods of this activity include identifying the partner's needs, conducting training on the development of performance indicators, and providing technical assistance in preparing the cooperative’s performance report. The results of the activity indicate an improvement in the management’s understanding of the importance of performance measurement and their ability to compile a more structured annual performance report. It is expected that this assistance will enhance the accountability and transparency of the cooperative’s management and support its long-term sustainability.

Khamelia Khoirunnisa; Ersi Sisdianto; Adib Fachri

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study is motivated by the increasing competition among cooperatives and the declining number of members at BMT Assyafi’iyah in recent years. This condition indicates the presence of various factors influencing people's decisions in choosing Islamic financial institutions. The purpose of this research is to analyze the influence of advertising, financial literacy, and personal selling on the decision to become a member of a savings and loan cooperative from the perspective of Islamic business principles. The research was conducted at BMT Assyafi’iyah, Sumberagung District, Pringsewu, involving 89 respondents selected through purposive sampling. A quantitative approach was used with the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. Data were collected through questionnaires and analyzed using statistical techniques. The results show that advertising has no significant effect on membership decisions, while financial literacy has a significant influence, and personal selling is the most dominant factor. These findings suggest that financial understanding and direct interaction are more effective in attracting prospective members than advertising strategies.

Ni Luh Desy Suari Dewi; I Gede Neil Prajamukti Wardhana; Yohanes Octovianus L. Awololon

Jurnal Riset Rumpun Ilmu Bahasa 2025 Pusat riset dan Inovasi Nasional

In Indonesia and many other EFL contexts, English is often taught in structured classroom settings that rely on scripted dialogues and controlled practice. This limits students’ exposure to spontaneous, real-life communication, reducing their ability to use English naturally and appropriately in authentic situations. This study investigates the pragmatic competence of Indonesian students during English interview interactions with foreign tourists, using Grice’s Cooperative Principle as the theoretical framework. Five video recordings were analyzed, featuring elementary and secondary students conducting unscripted interviews with tourists at Seminyak Beach, Bali. While the students generally demonstrated adequate grammatical control and vocabulary range, the findings reveal recurring challenges in sustaining natural and cooperative conversations. The most frequent violations involved the Maxims of Relation, Quantity, and Manner, with students often failing to respond appropriately to tourist answers, providing minimal elaboration, or speaking in unclear and disorganized ways. The results highlight the need for English language teaching to include explicit instruction in pragmatic skills, such as turn-taking, topic development, and interactional awareness.

Taufiq Hidayat; Taswirul Afkar; Seftia Wulan Ayu Ningrum; Falah Arifbillah Subagio

Jurnal Ilmu Bahasa dan Pendidikan Guru Sekolah Dasar 2025 Asosiasi Periset Bahasa Sastra Indonesia

This study aims to examine the realization of Grice’s cooperative principles in transactional speech acts between sellers and buyers at the Depo Air Minum Isi Ulang Sehat Lestari (Healthy Refill Drinking Water Depot). The cooperative principles consist of four maxims: quantity, quality, relevance, and manner. The research is motivated by the importance of effective communication in sales interactions, particularly to avoid misunderstandings in conveying intentions and information. A qualitative descriptive method was employed, with data collected through participatory observation and recorded conversations. The findings indicate that all four maxims were naturally realized in daily interactions. Utterances such as “Mas, air satu” (“One gallon, please”), “Air galon segar loh” (“The water is fresh”), and “Tolong kirim air 10 galon” (“Please deliver 10 gallons”) reflect contextually appropriate and functionally effective applications of the maxims. Furthermore, the use of concise, clear, and straightforward speech structures shows that the cooperative principles are not only evident in content but also in the linguistic form used. These findings highlight that communication in micro-level services such as water refill depots tends to be pragmatic, efficient, and shaped by local social norms and contextual understanding.

Amilatus Sholikah; Mukhammad Aqmal Azis; Taswirul Afkar

Jurnal Ilmu Bahasa dan Pendidikan Guru Sekolah Dasar 2025 Asosiasi Periset Bahasa Sastra Indonesia

This study aims to examine the principle of cooperation in pragmatic analysis based on Grice's theory as applied in the Indonesian comedy show Lapor Pak! broadcast on Trans7. The focus of the research is on the violations of the maxims of quantity, quality, relevance, and manner as performed by characters such as Andika, Surya, Vincent, Wendy, and Kiki. These violations are analyzed as strategic communicative acts intended to generate humor. The study employs a qualitative descriptive method with listening and note-taking techniques applied to purposively selected dialogue transcripts. The findings reveal that the deliberate violations of Grice’s maxims function not as communicative failures, but as rhetorical and pragmatic tools that enhance comedic effect, deliver subtle social criticism, and strengthen character portrayal. Therefore, in the context of entertainment discourse, violating cooperative principles serves as an effective and purposeful pragmatic strategy.

Ahmad Alyani Addarain; Gumgum Gumelar Fajar Rakhman; Yufiarti Yufiarti; Zarina Akbar

Proceeding of the International Conference on Social Sciences and Humanities Innovation 2025 Asosiasi Peneliti dan Pengajar Ilmu Sosial Indonesia

This study explores the relationship between religiosity and Organizational Citizenship Behavior (OCB) within contemporary organizations by adopting a positive psychology perspective. OCB is defined as discretionary behaviors by employees that go beyond their formal job duties and contribute positively to the overall functioning and success of the organization. Examples include helping colleagues, being punctual, and demonstrating initiative, which foster a cooperative and productive work environment. Religiosity, on the other hand, is understood as a belief system that shapes an individual’s values, attitudes, and behaviors, both intrinsically—stemming from internal spiritual commitment—and extrinsically—motivated by external social or cultural influences. Through a systematic review of ten national and international academic journals, this study identifies several common dimensions of OCB, such as altruism (helping others selflessly), civic virtue (active and responsible participation in organizational affairs), and conscientiousness (going beyond minimal job requirements). The findings reveal a consistent positive correlation between religiosity and OCB, especially in sectors like education, Islamic banking, and healthcare, where religious principles strongly influence organizational culture. The integration of religious values into organizational practices encourages employees to exhibit behaviors that promote harmony, ethical conduct, and a sense of community within the workplace. This is particularly evident in employees who possess high levels of intrinsic religiosity, as their internalized beliefs motivate them to engage in prosocial actions that benefit the organization. The study recommends that human resource management strategies incorporate religious or spiritual values to cultivate a positive organizational culture. Such integration can be achieved through training programs, leadership development, and reward systems that emphasize ethical behavior and social responsibility, ultimately leading to improved employee satisfaction, loyalty, and overall organizational performance.

Rusmiati Rusmiati; Siti Kharisatul Ulya; Dinda Dewi Santika; Diah Ayu Pratama Putri

Jurnal Manajemen Kreatif dan Inovasi 2025 International Forum of Researchers and Lecturers

Strengthening the position of cooperatives as business entities that are responsive to market changes and capable of competing effectively requires a well-planned business development strategy. In facing the challenges of globalization and increasingly complex business competition, cooperatives can no longer rely solely on the principle of togetherness but must implement a modern managerial approach based on data and measurable strategies. This study aims to analyze how cooperatives develop their businesses by understanding market characteristics and competitor strategies through the application of operations management using the Balanced Scorecard (BSC) framework. The method used is a literature review with a qualitative descriptive approach, focusing on analyzing various literatures related to cooperative management, strategic management, and organizational performance measurement systems. The findings show that the Balanced Scorecard is effective as a tool to assist in formulating comprehensive strategies through four main dimensions: financial, customer, internal process, and learning and growth. With this approach, cooperatives can improve operational performance, gain deeper insights into market needs, respond appropriately to competition, and create long-term value for all their members.

Adnan Hasanudin; Atik Winanti; Aurora Jilena Meliala

IJLS (International Journal of Law and Society) 2025 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

This research aims to determine whether the budget formulation of the Merah Putih Village Cooperative is in accordance with the norms and statutory regulations as stipulated in Law Number 25 of 1992 concerning Cooperatives, particularly in relation to Article 33 paragraph (4) of the 1945 Constitution, which emphasizes the principle of independence in the national economy. The results of this study focus on optimizing the establishment of the Merah Putih Village Cooperative to support the formation of national-scale cooperatives that function not only as savings and loan institutions driving the economy, but also address the challenges and risks that may arise from the establishment of the Merah Putih Cooperative. First, the issue of economic scale is crucial. Operations at the village level are often limited by available resources and market reach. Second, human resource capacity is a determining factor. The management of funds amounting to IDR 3–5 billion requires financial, business, operational, and marketing management skills that are not always present in every village. Experience with Village-Owned Enterprises (BUMDes) shows that one of their main challenges is finding local residents who are truly skilled managers. Third, elite capture or control by local elites can become a bottleneck. In villages with weak governance, influential figures may abuse their authority to control the cooperative for personal gain. Similar occurrences are often found in grant programs from Ministries/Agencies or the private sector, where key individuals dominate and exploit these resources for their own interests. Fourth, the risk of fraud.

Putu Radia Kalyana Pramadicha; I Nyoman Tri Ediwan; Gek Wulan Novi Utami

Jurnal Riset Rumpun Ilmu Bahasa 2025 Pusat riset dan Inovasi Nasional

This study investigates conversational implicature in the 2024 animated film Inside Out 2 by analyzing characters’ utterances through the lens of Grice’s theory of implicature and cooperative principles. Conversational implicature refers to the implied meanings not directly expressed but inferred through contextual understanding. Employing a qualitative descriptive method, this study examines both particularized and generalized implicatures, drawing data from selected dialogues in the film and its official transcript. The emotional complexity of the movie—highlighted by the presence of characters such as Anxiety, Envy, and Embarrassment—provides rich ground for analyzing indirect communication. Findings show that from 28 data items, 25 are particularized implicatures and 3 are generalized. This distribution emphasizes a strong reliance on context-sensitive communication, where meaning emerges from emotional, psychological, and situational cues. Particularized implicatures often occur in emotionally charged interactions, reflecting the characters’ internal struggles and development, particularly Riley’s journey through adolescence. Generalized implicatures, though less frequent, serve to convey socially shared assumptions, enhancing audience understanding in broader, often humorous contexts. The analysis also highlights how the characters’ utterances align with Grice’s maxims. The maxim of relevance is maintained through contextually appropriate responses; the maxim of quantity appears when speakers provide adequate information; the maxim of quality surfaces through honest and sincere exchanges; and the maxim of manner is evident in clear, concise communication. Together, these implicatures and maxims enrich the film’s emotional depth and narrative subtlety.

Jinan, M Ghilman Nur; Ulya, Putri Adibah; OktalianSyah, Resti Kusumawati; Shafrani, Yoiz Shafwa

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

Islamic microfinance institutions (IMFIs) in Indonesia have experienced notable progress in line with the growing public interest in Islamic economic principles. However, the competition between Islamic and conventional microfinance sectors is becoming increasingly intense. The LKMS BTM Artha Surya Cooperative, located in Tegal Regency, is currently facing pressure due to this competitive environment and must formulate an effective strategy to sustain and grow its business. This study aims to formulate a strategy using the Blue Ocean Strategy framework as an alternative to overcoming business rivalry. A qualitative approach was employed, gathering primary data through interviews and field observations at BTM Artha Surya Tegal, supported by secondary sources from relevant literature. The findings reveal that BTM Artha Surya has undergone transformation into Baitul Tanwil Muhammadiyah (BTM) Artha Surya and now provides various Sharia-compliant financing services. This research further elaborates on the murabahah financing process, including the recognition, measurement, and disclosure practices implemented in the financial statements of BTM Artha Surya Tegal.

Ach Zakaria; Erik Kantona

Jurnal Manajemen Bisnis Digital Terkini 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Cooperatives have a strategic role in improving people's welfare, especially in developing countries like Indonesia. As one of the pillars of the national economy, cooperatives function as a forum for community cooperation in meeting economic needs in a fair and sustainable manner. This study aims to analyze the role of cooperatives in improving people's welfare through a library research approach. The method used in this study is a descriptive method with deductive data analysis techniques, where data is obtained from various sources such as books, journals, and laws and regulations related to cooperatives. The results of the study show that cooperatives contribute to community economic empowerment by providing more inclusive access to capital, creating jobs, and improving social welfare through education and health programs. With the principle of mutual cooperation and democratic management, cooperatives can be a solution in creating a more independent and prosperous people's economy. Therefore, consistent regulatory support and increased human resource capacity are needed so that cooperatives can function optimally in community economic development.

Nabilah Siti Haniyah; Nurul Nabila Lubis; Nisa Angelina Agustin Silitonga; Meisuri Meisuri

Jurnal Ilmuan Bahasa dan Sastra Inggris 2025 Asosiasi Periset Bahasa Sastra Indonesia

In the digital era, podcasts have emerged as a powerful medium for in-depth conversations that allow speakers to address complex social, personal, and controversial issues. This study aims to analyze how Grice's Cooperative Principles are adhered to, flouted, or violated in Jansen Manangsang's episode on CURHAT BANG. Using a qualitative descriptive approach, selected transcripts will be examined to uncover patterns of conversational behavior that reveal how meaning is constructed and concealed in emotionally intense digital communication. The research highlights the complexity of pragmatic interpretation and underscores the importance of pragmatics theory in analyzing real-life, emotionally charged conversations in digital media. This research contributes to digital pragmatics by showing how language in controversial podcasts shapes public perception, manages emotion, and constructs social narratives.

Neti Saekoko; Harun Y. Natonis

International Journal of Religious Education and Philosophy 2025 International Forum of Researchers and Lecturers

Indonersia's national erducation underrscorers ther significancer of characterr erducation rooterd in Pancasila and ther 1945 Constitution, prioritizing ther derverlopmernt of morally upright and intergrity-oriernterd perrsons.  This articler erxaminers ther erfficacy of cooperrativer lerarning in Christian Rerligious ERducation (CRER) as a merthod for fosterring characterr derverlopmernt in pupils.  A qualitativer merthodology and literraturer rervierw werrer ermployerd to collerct and asserss perrtinernt information.  Ther rerserarch findings dermonstrater that cooperrativer lerarning erfferctiverly ernhancers studernts' interrerst, motivation, and comprerhernsion of CRER materrial.  Studernts participater in derbaters and partnerrships, promoting ther cultivation of social skills and moral principlers, including lover and rersponsibility.  Nonertherlerss, obstaclers in erxercuting cooperrativer lerarning werrer also rercognizerd, including disparitiers in studernts' capabilitiers and unervern group dynamics.  Proficiernt managermernt by erducators is crucial to tackler therser issuers and guaranterer ther erfficacy of ther lerarning procerss.  This rerserarch concluders that ther implermerntation of characterr erducation via CRER and cooperrativer lerarning sererks to ernhancer acadermic perrformancer whiler also cultivating perrsons erquipperd to confront future moral and social difficulties.  Consequently, character education fosters the development of a harmonious and equitable society, while also cultivating a generation of adolescents with virtuous character.

Fariha, Zulfia Nur; Putri, Nadiya Berliana; Odilien, Rizka Ayu Okty; Shafrani, Yoiz Shofwa

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

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.