This study intends to investigate the business model and product marketing strategy of BMT Dana Mentari Muhammadiyah Purwokerto using the Business Model Canvas (BMC) approach. The background of this research is rooted in the need for Islamic microfinance institutions to adapt amidst increasing competition, particularly in product development and marketing. The research uses a descriptive qualitative approach, with data collected through in-depth interviews with BMT management. The findings suggest that BMT Dana Mentari has implemented the nine elements of the BMC comprehensively, including community-based customer segmentation, strong Sharia-compliant value propositions, and marketing strategies such as direct outreach and personal selling. However, challenges remain, particularly in service digitalization and promotional efforts. The implications of this study highlight the importance of continuous innovation in Sharia-based products and marketing strategies to enhance competitiveness and institutional sustainability.

The rapid advancement of digital transformation, coupled with the increasing intensity of competition in the financial industry, compels banking institutions to implement appropriate strategies to enhance their competitiveness—particularly in serving the micro and Small and Medium Enterprises (SMEs) segments. This study aims to analyze the application of the Strategic Position and Action Evaluation (SPACE) Matrix as a tool for formulating effective marketing strategies at Bank BRI Unit Sokaraja Tengah.By employing a qualitative approach through direct observation and interviews, this research evaluates four key dimensions within the SPACE Matrix framework: Financial Strength (FS), Competitive Advantage (CA), Environmental Stability (ES), and Industry Strength (IS). The analysis results indicate that FS scored 5, CA scored 4, ES scored 4, and IS scored 3. Collectively, these scores position Bank BRI Unit Sokaraja Tengah within the aggressive quadrant.These findings suggest that the bank unit possesses strong internal capabilities and significant external opportunities for continued growth and innovation. Based on this strategic positioning, the recommended strategies include: strengthening digital service innovation, enhancing customers' financial literacy, and fostering active collaboration with the SME community. The implementation of this aggressive strategy is expected to reinforce the bank's competitive position and sustainably support growth in the microeconomic sector.

The study analyzes the business strategy of UPC Pegadaian Pasar Bumiayu using the SERVO approach (Strategy, Environment, Resources, Values, Organization). The findings indicate that Pegadaian has developed adaptive and innovative strategies through service digitalization, sharia-based products, as well as public education and strategic partnerships. Both internal and external environments are managed responsively, utilizing human resources and technology effectively. Organizational values promote a collaborative work culture and inclusive leadership. The evaluation shows that the SERVO approach helps Pegadaian remain competitive and relevant in the modern financial industry.

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.

Studi ini bertujuan untuk menelaah kinerja produk pembiayaan di BPRS BAS Purwokerto menggunakan pendekatan Matriks Boston Consulting Group (BCG). Produk yang dianalisis meliputi Murabahah, Multijasa, Qardh, Sewa, Mudharabah, dan Musyarakah. Berdasarkan hasil analisis, produk Murabahah dan Multijasa berada pada kuadran Stars, menandakan pangsa pasar besar dan pertumbuhan tinggi. Produk Sewa menempati kuadran Cash Cows dengan pangsa pasar besar namun pertumbuhan rendah. Sementara itu, produk Istishna, Qardh, Mudharabah, dan Musyarakah terletak di kuadran Dogs, yang mengindikasikan mempunyai pangsa pasar terbatas serta laju pertumbuhan yang rendah.. Strategi untuk diusulkan meliputi perluasan pasar untuk Stars, optimalisasi operasional untuk Cash Cows, serta evaluasi dan inovasi produk pada Dogs.
 

This study aims to analyze the superiority of Pegadaian products in competition between Branch Service Units (UPC) using the Competitive Profile Matrix (CPM) technique at UPC Karanglewas and UPC Alun-Alun Purwokerto. The approach used is descriptive qualitative through case studies, with data collection through in-depth interviews, observation, and documentation. CPM analysis is carried out by identifying key success factors such as service quality, product variety, price, promotion, ease of access, company reputation, and digital product innovation. The results of the study show that UPC Karanglewas has a stronger competitive position with a CPM score of 3.65 compared to UPC Alun-Alun Purwokerto which obtained a score of 3.25. The main advantages of UPC Karanglewas lie in a more complete product variety, ease of access, and digital innovation, while UPC Alun-Alun Purwokerto excels in promotion. This study recommends that each UPC strengthen product differentiation, increase digital service innovation, and optimize promotional strategies to strengthen competitiveness in the national pawn.
 

The rise of digital transformation and increasing competition in the Islamic financial sector require microfinance institutions such as KSPPS BMT NU Sejahtera Bumiayu to implement innovative strategies to build competitive advantage. This study aims to analyze the development of innovative services through the Blue Ocean Strategy (BOS) framework, which focuses on value creation and the discovery of untapped market space. A descriptive qualitative method was employed, with data collected through in-depth interviews involving management and active customers. The findings indicate that based on external analysis (PEST and Five Forces) and internal evaluation, the institution holds strong potential to develop service strategies driven by innovation. The application of the ERRC Grid led to several strategic actions, including eliminating administrative fees, simplifying procedures, enhancing service quality and technology, and developing the digital application BMT Mobile. The study concludes that BOS is an effective strategic framework for expanding inclusive, community-based Islamic finance. The results contribute both theoretically and practically to the development of adaptive and competitive Islamic microfinance service models.

Pegadaian is one of the Islamic financial institutions in Indonesia that continues to expand its market share through various marketing strategies. This study aims to analyze the market penetration strategies implemented by Pegadaian and identify the efforts that can be made to increase customer interest. The research method used is descriptive qualitative with a literature study approach from various accredited national journals in the last five years, as well as document analysis related to Pegadaian marketing strategies. The results of this study reveal that Pegadaian market penetration strategy is carried out through the optimization of digital promotion, the development of innovative products and services, and the improvement of financial literacy in society. Digital promotion strategies are carried out by utilizing social media and other online platforms to increase product awareness and education to the general public. In addition, product development such as Arrum Haji and Tabungan Emas has become an effective innovation in meeting market needs. Pegadaian is also actively conducting financial education through seminars, workshops, and outreach programs as a form of improving financial literacy and customer loyalty. These three strategies have consistently proven to attract new customers, increase loyalty, and strengthen Pegadaian position amidst the competition in Islamic financial institutions. This research contributes to enriching the study of marketing strategies for Islamic financial institutions, particularly in the pawnshop sector. The novelty of this research lies in the systematic and detailed mapping of Pegadaian market penetration strategies based on the latest literature.

Riset ini dilakukan guna mengkaji secara komprehensif kinerja Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) BMT El-Mentari yang beroperasi di Purwokerto, dengan menggunakan pendekatan Malcolm Baldrige Criteria for Performance Excellence (MBCFPE). Analisis dilakukan berdasarkan tujuh indikator inti, yaitu kepemimpinan, perencanaan strategis, orientasi pada pelanggan, sistem pengukuran dan manajemen pengetahuan, orientasi pada tenaga kerja, pengelolaan proses, serta capaian kinerja organisasi. Riset ini menerapkan pendekatan deskriptif kualitatif, dengan pendekatan observasional dalam mengumpulkan data, interview terstruktur, dan telaah dokumen. Hasil evaluasi menunjukkan bahwa KSPPS BMT El-Mentari meraih skor keseluruhan sebesar 627,84, yang dikategorikan dalam kelompok “Pemimpin Industri Berkembang”. Dimensi dengan pencapaian tertinggi terdapat pada aspek fokus tenaga kerja (74,2%), sedangkan dimensi hasil bisnis diidentifikasi sebagai aspek yang memerlukan penguatan lebih lanjut. Temuan ini mengindikasikan bahwa meskipun koperasi telah menunjukkan kemajuan signifikan dalam praktik manajerialnya, masih terdapat ruang perbaikan untuk mencapai standar kinerja bertaraf global. Penelitian ini menyumbangkan pemahaman yang mendalam terhadap perkembangan praktik manajemen strategis pada koperasi syariah dan dapat dijadikan acuan bagi proses evaluasi berkelanjutan oleh pengelola koperasi.

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.