To achieve optimal funding, an effective marketing strategy is needed for the success of the company. The Boston Consulting Group (BCG) Matrix functions as an analytical tool designed to improve performance through mapping between units based on growth rates and relative market share. This research is a field study with a qualitative descriptive approach. The focus of this study is the daily products of KSP Gunung Slamet Ajibarang Branch. The data collection methods applied by the researcher consist of observation, structured interviews, and documentation. The findings of this study describe the product position and strategies that can be implemented by considering market growth and existing market share. Daily products are in the cash cow category with market growth of 6.66% and a relative market share of around 1.10. Strategies that can be implemented include increasing productivity and quality to ensure competitiveness and provide value to consumers.

This study aims to analyze the competitive advantage strategy of Islamic Banks using the Porter's Five Forces approach, which is used to understand the competitive position of Islamic Banks in facing the dynamics of the financial industry that continues to grow. This study includes qualitative research methods with the approach of Field research and Library research, which are supported by interviews or observations as the main data collection techniques. The results of the study indicate that the Threat of New Entrants BSI Karang Kobar is aware of the threat of new entrants and faces internal challenges, especially in the marketing aspect which is still low. Customer strength is shown through the influence of satisfaction with products and employee behavior on loyalty, especially on flagship products such as KPR, gold installments, and micro financing. Supplier strength shows that there is a great opportunity for suppliers to establish partnerships with Islamic financial institutions. The threat of substitute products has not been found directly, but digital transformation to the Byond By BSI platform is a concern. In industrial competition, BSI Karang Kobar admits that it still faces challenges, such as limited economies of scale compared to conventional banks. Thus, the application of sharia principles in the formulation of business strategies allows Islamic banks to build customer loyalty and create sustainable competitive advantages. Porter's Five Forces approach has proven to be relevant and effective in helping Islamic banks formulate adaptive and valuable strategies in facing competition in the modern financial industry.

This study examines the competitive strategy of KSPPS Hanada Quwais Sembada Kebasen amidst intense competition in the microfinance sector, particularly against BPR Bank Surya Yudha Patikraja and PNM Mekar Sampang, which have advantages in technology and service coverage. This theme is chosen due to the importance of understanding the competitive position of community-based Islamic cooperatives to remain viable in the local market. This research employs a case study method with a qualitative descriptive approach. Data collection is conducted through interviews, observations, and documentation, which are then analyzed using the Competitive Profile Matrix (CPM) tool to assess the strengths and weaknesses of KSPPS Hanada relative to its main competitors, based on key factors such as market reputation, service quality, territorial coverage, product innovation, and technology utilization. The research findings indicate that KSPPS Hanada Quwais Sembada has advantages in market reputation, personalized service quality, and closeness to its members, but still lacks in territorial coverage and digital technology adoption. In conclusion, KSPPS Hanada Quwais Sembada needs to enhance innovation and service digitalization to compete better in the increasingly dynamic microfinance sector..

This study aims to explore the implementation of the Balanced Scorecard (BSC) through the digital system "MyCore" in measuring and improving employee performance at Bank BRI Unit Sokaraja Tengah. Using a descriptive qualitative approach, data were collected through semi-structured interviews with key informants, observations of work practices, and analysis of internal documents (performance reports, SOPs). Data analysis was carried out through data reduction, data presentation, and drawing conclusions with verification through source triangulation. The research findings indicate that the "MyCore" system integrates four BSC perspectives (finance, customer, internal business process, learning & growth) with specific performance indicators that affect incentives and career development. The financial and customer perspectives appear to have a strong emphasis, reflected in the direct impact on incentives and bonuses. The implementation of internal business processes is supported by standardization through MyCore and technology adoption. The importance of the learning and growth perspective is realized through regular training programs and bootcamp interventions for low-performing employees, which have proven effective in improving subsequent evaluation scores. In general, the implementation of the BSC via MyCore creates a structured, transparent, and adaptive assessment mechanism, encouraging productivity and professionalism. The implications of this study emphasize the importance of a transparent performance evaluation system that has a direct impact on career development and incentives, while also demonstrating the effectiveness of structured interventions in improving employee performance at the micro banking unit level.

This study aims to analyze the competitive strength of Pegadaian Syariah Purwokerto using Porter’s Five Forces method and evaluate the marketing strategy for its Gadai Tabungan Emas product. In the digital era with increasing competition, understanding the external forces affecting the industry is crucial for formulating an effective strategy. The analysis shows that Pegadaian Syariah Purwokerto faces high threats from new entrants and substitute products, as well as high bargaining power of buyers. However, Pegadaian Syariah can leverage its internal strengths, such as a strong corporate image and public trust, to maintain its competitive position. Product differentiation, focusing on local syariah market segments, and service digitalization are key to improving its competitive position. The study provides recommendations for Pegadaian Syariah Purwokerto’s management to aggressively adopt technology and strengthen syariah-based educational marketing

This research discusses the business development strategy of Bank Mandiri Banjarnegara Branch using Ansoff Matrix as the main analysis tool. The issue raised is how this branch designs and implements growth strategies amidst banking industry competition and local challenges, such as limited digital infrastructure and customer characteristics. The research objective was to describe the implementation of the four Ansoff Matrix strategies, namely market penetration, market development, product development, and diversification, in the context of branch operations. Qualitative descriptive research was used, with data collection through interviews, observation, and documentation. The results showed that Bank Mandiri Banjarnegara Branch implemented market penetration strategy through active promotion and service improvement, market development strategy by cooperating with customers as mini ATM partners, product development strategy through customer needs survey, and diversification strategy with strict risk mitigation. The conclusion of this study confirms that the application of Ansoff Matrix in a structured manner is able to assist branches in facing competition and optimizing business growth opportunities in non-metropolitan areas.

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.

This study aims to evaluate the sharia financial service strategy of Bank Syariah Indonesia (BSI) Banjarnegara Branch through the VRIO and PEST approaches, in order to identify internal advantages and external dynamics that affect the competitiveness of the institution. Using a qualitative-descriptive method, this study reveals that BSI Banjarnegara has a sustainable competitive advantage through sharia-based products that are difficult to imitate, a wide community network, and a personal service approach. In addition, the results of the PEST analysis show that political support, stable economic conditions, and the level of community religiosity are great opportunities for the growth of sharia finance in the region, although the level of digital technology adoption is still a challenge. The strategy of strengthening digitalization, education of sharia financial literacy, and product innovation such as Cicil Emas are the main keys in responding to market challenges and increasing financial inclusion. Thus, the results of this study provide a strategic direction for the development of sustainable and adaptive sharia services to changes in the business environment.
 
 

This study aims to analyze the implementation of the Business Model Canvas (BMC) at the Purwokerto branch of PT Jamkrindo Syariah in addressing competitiveness within the Islamic finance sector. The BMC is a strategic framework consisting of nine building blocks: customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure. This research employs a qualitative approach with descriptive analysis, utilizing observation and unstructured interviews with relevant stakeholders as data collection techniques. The findings reveal that the application of BMC at PT Jamkrindo Syariah has been optimal and has positively impacted the company’s operations, particularly in market penetration, customer relationship management, and cost efficiency. Furthermore, partnerships with both private and governmental institutions serve as critical elements for ensuring business sustainability. The study recommends that the company continuously pursue product innovation, strengthen digital channels, enhance human resources, and regularly evaluate its business model to remain responsive to market changes. Effective implementation of BMC can serve as a strategic tool to boost the company’s competitive advantage.

This study aims to analyze the business condition of BMT Bahtera in entering the market of the syariah financial services industry using a General Electric Matrix approach. The method used in this study was in-depth interviews with the internal informant from BMT. The research result shows that BMT Bahtera’s strength is on the digitalization services, Human Resources competencies and saving and financing products innovation. Despite recently entering the Purwokerto territory, the business is growing with high potential market share using direct promotion strategy and effective institutional cooperation.