Jurnal Iqtisaduna

SWOT Analysis and Marketing Strategy for Health Talangan Products at KSPPS BMT Aman Utama Jepara

Diva Mustamar Sadid — 2024-08-07

The purpose of this study was to identify effective marketing strategies for Health Talangan products at KSPPS BMT Aman Utama Jepara using SWOT analysis (Strengths, Weaknesses, Opportunities, Threats). Health development in Indonesia is a collective effort to achieve optimal public health, which requires cross-sector collaboration and continuity from previous efforts. Despite increasing life expectancy, health challenges remain, especially with high rates of disease and the impact of the COVID-19 pandemic. Data from the Basic Health Research (Riskesdas) is used to form the Community Health Development Index, which assesses the health of each region. Jepara district, which has a low GPA in Central Java, faces challenges in improving health services. The Health Talangan product innovation by KSPPS BMT Aman Utama Jepara aims to reduce health costs for its members. This study aims to determine the right marketing strategy for the product by analyzing the existing strengths, weaknesses, opportunities, and threats. Combined with the calculation of IFAS (Internal Factors Analysis Summary) and EFAS weight values (External Factors Analysis Summary). This method also includes interviews, observations, and documentation. From the calculation with IFAS and EFAS approach, the marketing strategy of health food products is at the coordinate point of Quadrant I, which is entering into the classification of growth strategies.

Strategi Implementasi Manajemen Risiko Pembiayaan Pada KSPPS KSA “Kedung Salman Alfarizy” Jepara

Nadia Silfana — 2024-08-14

This research aims to explain the financing risk management strategy implemented by KSPPS KSA "Kedung Salman Alfarizy" Jepara. Sharia financing is increasingly in demand by various levels of society. This is in line with Sharia Microfinance Institutions (LKMS) which aim to provide financial services by Sharia principles to the public. Sharia Financing Savings and Loans Cooperative (KSPPS) is one of the institutions that offer financing on a micro-scale, providing financial support to individuals and businesses without violating Sharia principles. This research uses a qualitative approach from primary and secondary data with qualitative descriptive analysis techniques. This research concludes that preventive financing analysis steps are implemented based on the 5C principles: Character, Capacity, Capital, Collateral, and Economic Conditions. Apart from that, KSPPS KSA "Kedung Salman Alfarizy" Jepara implemented curative strategies such as monitoring, rescheduling, reconditioning, and restructuring to overcome problematic financing. To reduce the negative impact of problematic financing, it is important to empower the institution internally and provide education to members of KSPPS KSA "Kedung Salman Alfarizy" Jepara in maintaining a healthy organizational and financial balance.

Apakah Kegiatan Sosial Bank Syariah Meningkatkan Kesejahteraan Masyarakat?

Nofinawati Nofinawati — 2024-08-21

This study was conducted to describe the implementation of social activities of Islamic banks and to describe the impact of social activities on community welfare in Padangsidimpuan City. The phenomenon that made the author interested in studying this problem is the low number of implementations of social products in Islamic banks. This can be seen from the number of fund distributions using the Qardh contract which is less when compared to other contracts. This will certainly have an impact on the welfare of the community around the operational area of the Islamic bank. The author uses field research, qualitative methods with descriptive analysis. The implementation of social activities by Islamic banks in Padangsidimpuan City shows a strong commitment to community welfare, with various programs such as collecting and distributing zakat funds, qardhul hasan, educational scholarships, and responding to natural disasters. These activities have a positive impact in reducing economic pressure on the community and creating a sense of solidarity. However, these positive impacts tend to be temporary, and there are challenges faced in the management and distribution of aid. Limited authority in distributing social funds, strict aid requirements, and lack of effective communication are obstacles that must be overcome to increase the effectiveness of social activities. From the research results, it is seen that although Islamic banks are trying to carry out their social functions well, they need to pay attention to and overcome existing challenges so that these programs can provide more sustainable benefits to the community. This includes developing strategies that are more inclusive and responsive to community needs. Increasing transparency in the aid distribution process and active community participation are also very important to create trust and reduce dissatisfaction.