http://repository.ipb.ac.id/handle/123456789/81 2026-08-08T01:58:04Z 2026-08-08T01:58:04Z SH, Agung Pramono, http://repository.ipb.ac.id/handle/123456789/177726 2026-08-07T11:54:13Z 2026-01-01T00:00:00Z

Strategi Optimalisasi Quick Response Code Indonesian Standard (QRIS) pada Nasabah Mikro Banking untuk mendukung Peningkatan Low Cost Fund (Study Kasus PT Bank Syariah Indonesia Cabang Cimahi). SH, Agung Pramono, The implementation of Quick Response Code Indonesian Standard (QRIS) among Micro Banking customers at PT Bank Syariah Indonesia (BSI) Cimahi Branch has not yet reached its optimal level. This condition is influenced by several factors, including the low level of digital literacy among customers, the persistent preference for cash-based transactions, limited socialization and education regarding QRIS usage, and the lack of attractive promotional and incentive programs for merchants. These challenges indicate that optimizing QRIS adoption requires well-designed and targeted strategies. Banks are expected not only to provide digital payment technology but also to enhance customers' understanding, trust, and acceptance of digital payment systems. Therefore, a comprehensive analysis is required to identify the key factors affecting the optimization of QRIS utilization. This study aims to analyze the optimization of QRIS usage among Micro Banking customers in enhancing low-cost funds at PT Bank Syariah Indonesia Cimahi Branch. The research focuses on formulating the most effective strategic priorities to increase customers' digital transaction activities, thereby contributing to the growth of low-cost funds through higher average savings balances maintained by Micro Banking customers who operate as QRIS merchants. This research employs a quantitative descriptive approach using Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis, the Quantitative Strategic Planning Matrix (QSPM), and the Analytical Hierarchy Process (AHP). SWOT analysis is applied to identify the internal and external factors influencing QRIS development. Subsequently, QSPM is utilized to determine strategic priorities based on the attractiveness score of each alternative strategy, while AHP is employed to assign priority weights through pairwise comparisons among the proposed strategies. The integration of SWOT, QSPM, and AHP provides a systematic and comprehensive analytical framework for determining the most appropriate strategies to optimize QRIS implementation within the Micro Banking segment. The findings indicate that PT Bank Syariah Indonesia Cimahi Branch possesses several competitive strengths in developing QRIS services, including the integration of QRIS into the BSI Mobile application, the strong reputation of Bank Syariah Indonesia, support from Bank Indonesia's regulatory policies, and the active role of marketing personnel in educating customers. However, several weaknesses remain, including low customer digital literacy, a strong preference for cash transactions, and limited promotional programs for QRIS merchants. Based on the results of the SWOT, QSPM, and AHP analyses, the priority strategies identified are the development of merchant promotion and incentive programs, improvement of customers' digital literacy, optimization of BSI Mobile utilization, and enhancement of digital transaction education and security. The implementation of these strategies is expected to increase QRIS adoption, expand digital transaction activities, improve the accumulation of low-cost funds, and strengthen the competitiveness of Islamic banking in the era of digital transformation. The practical implications of this research suggest that the development of merchant promotion and incentive programs should become the primary strategic priority for increasing QRIS adoption. Accordingly, the management of PT Bank Syariah Indonesia Cimahi Branch should formulate more aggressive, measurable, and sustainable promotional policies, including transaction cashback programs, transaction volume-based rewards, Merchant Discount Rate (MDR) subsidies, and loyalty programs for active merchants. Furthermore, management should strengthen customer trust in QRIS by improving digital transaction security, ensuring the stability and reliability of the BSI Mobile application, and providing fast and responsive customer support. Customer trust plays a critical role in encouraging the adoption of digital payment systems, particularly among Micro Banking customers who still perceive electronic transactions as risky. The bank should also establish a structured, data-driven monitoring and evaluation system for QRIS implementation. Performance evaluation should extend beyond the number of QRIS merchants and users to include transaction frequency, transaction value, merchant activity levels, and their contribution to low-cost fund growth. A systematic monitoring mechanism will enable management to identify implementation barriers more effectively, evaluate the effectiveness of marketing strategies, and formulate more targeted policies for QRIS development. Low digital literacy remains one of the major obstacles to QRIS optimization. Therefore, PT Bank Syariah Indonesia should expand digital literacy programs through structured training, MSME seminars, direct assistance, social media campaigns, and collaboration with business communities. Educational initiatives should emphasize not only QRIS operational procedures but also the benefits of digital payment efficiency, transaction security, and electronic financial management. Improved customer understanding is expected to increase both the adoption rate and the intensity of QRIS usage over the long term. Marketing personnel and funding officers serve as key drivers in expanding QRIS utilization. Consequently, management should enhance their competencies through digital banking training, customer education skills, and relationship marketing approaches targeting micro and small business owners. Beyond acquiring new merchants, marketing personnel should provide continuous assistance to ensure that merchants fully understand the benefits and practical use of QRIS in their daily business operations. Finally, QRIS optimization should be integrated with the bank's third-party fund mobilization strategy, particularly savings and current accounts as primary sources of low-cost funds. Increased digital transaction intensity through QRIS has the potential to raise customers' average account balances due to higher transaction circulation within the banking system. Therefore, management should integrate QRIS with savings products, business savings programs for QRIS merchants, BSI Agent services, and automated transaction features available in BSI Mobile. Such integration will enable QRIS not only to increase digital transaction volumes but also to contribute directly to funding cost efficiency and the sustainable improvement of the bank's financial performance.

2026-01-01T00:00:00Z Herlina, Farida http://repository.ipb.ac.id/handle/123456789/172689 2026-02-11T00:02:18Z 2026-01-01T00:00:00Z

Analisis Pelaksanaan Pemberian Kredit Usaha Kecil di PT Bank Syariah Indonesia (Study kasus pada Bank Syariah Indonesia KCP Sukabumi Sudirman) Herlina, Farida Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in Indonesia’s economy by supporting employment, regional growth, and economic resilience. With more than 65 million business units contributing over 60% of national GDP, MSMEs represent a strategic sector for financial inclusion. In Sukabumi, the growth of MSME credit reflects increasing confidence between banks and entrepreneurs. Islamic banking, particularly through Sharia-compliant microfinance such as BSI KUR, holds strong potential to support MSME development. This study aims to identify internal and external factors affecting the microfinance portfolio of BSI KCP Sukabumi Sudirman, formulate development strategies using SWOT analysis, and determine strategic priorities through the Quantitative Strategic Planning Matrix (QSPM). A descriptive qualitative case study approach was applied using primary data from interviews and questionnaires with five BSI experts and twenty-five MSME actors, supported by secondary data from institutional reports and relevant literature. Strategic analysis employed IFE, EFE, IE, SWOT, and QSPM matrices. The results indicate that expanding BSI KUR Micro financing by leveraging competitive pricing, fast processing, and increasing public interest in Islamic banking is the most prioritized strategy to strengthen sustainable MSME financing. Keywords: development strategy, microfinance, MSMEs, QSPM, SWOT

2026-01-01T00:00:00Z Arahmah, Melina http://repository.ipb.ac.id/handle/123456789/172686 2026-02-10T06:16:49Z 2026-01-01T00:00:00Z

Pengembangan Strategi Pemasaran  Di Era Digital Untuk Meningkatkan Penjualan di Klaten Jawa Tengah (Studi Kasus PT PANMA METAL Agung Sejahtera) Arahmah, Melina Penelitian ini bertujuan untuk menganalisis dan mengevaluasi penerapan Business Model Canvas (BMC), analisis SWOT, dan Analytic Hierarchy Process (AHP) dalam mengembangkan strategi pemasaran yang efektif di PT Panma Metal Agung Sejahtera. Sebagai alat pemasaran digital, situs web memainkan peran kritis dalam memperluas jangkauan konsumen dan meningkatkan penjualan. Di Indonesia, Usaha Mikro, Kecil, dan Menengah (UMKM) menjadi tulang punggung perekonomian nasional, berkontribusi sebesar 61,97% terhadap Produk Domestik Bruto (PDB) dan menyerap 97% tenaga kerja. Penelitian ini melibatkan 10 informan, termasuk pemilik usaha, karyawan, dan konsumen, untuk mendapatkan perspektif yang komprehensif. Kerangka kerja BMC digunakan untuk memetakan elemen bisnis utama perusahaan, seperti segmen pelanggan, proposisi nilai, saluran distribusi, dan sumber daya kunci. Analisis SWOT mengidentifikasi kekuatan dan kelemahan internal, serta peluang dan ancaman eksternal yang memengaruhi arah strategis perusahaan. Selain itu, AHP digunakan untuk memprioritaskan strategi dengan menilai pentingnya relatif dan dampaknya. Hasil menunjukkan bahwa memperkuat sistem digital dan sumber daya manusia merupakan prioritas strategis utama, diikuti oleh strategi pemasaran produk dan penyesuaian harga. Integrasi platform digital seperti media sosial, situs web, dan pasar daring terbukti efektif dalam memperluas jangkauan pasar, meningkatkan keterlibatan pelanggan, dan mempercepat transaksi. Inisiatif digital ini sejalan dengan tujuan perusahaan untuk meningkatkan penjualan dan beradaptasi dengan kondisi pasar yang dinamis. Secara keseluruhan, kombinasi BMC, SWOT, AHP, dan alat pemasaran digital menawarkan pendekatan komprehensif dan terstruktur untuk meningkatkan efektivitas pemasaran dan daya saing di era transformasi digital.

2026-01-01T00:00:00Z Asri, Muthia Puspita http://repository.ipb.ac.id/handle/123456789/172677 2026-02-12T04:55:02Z 2026-01-01T00:00:00Z

Pengaruh Ruang Publik dan Kegiatan Masyarakat Terhadap Pemulihan Ekonomi UMKM di Cipayung Provinsi DKI Jakarta Asri, Muthia Puspita Sebagai respons terhadap perubahan sosial dan ekonomi pasca pandemi, pemanfaatan ruang publik kembali menjadi perhatian penting dalam mendukung aktivitas masyarakat dan perekonomian lokal. Untuk menyikapi keadaan tersebut, penelitian ini dilakukan untuk menganalisis pengaruh pembangunan ruang publik dan kegiatan masyarakat terhadap pemulihan ekonomi UMKM di Kecamatan Cipayung, Provinsi DKI Jakarta, serta menyusun strategi guna mempercepat pemulihan ekonomi UMKM di wilayah tersebut. Pemerintah daerah melakukan revitalisasi dan pembangunan ruang publik selama masa pembatasan sosial, yang kemudian menjadi pusat interaksi sosial setelah pandemic COVID 19. Ruang publik yang kembali aktif diharapkan mampu mempercepat pemulihan ekonomi UMKM yang sebelumnya terdampak signifikan. Penelitian menggunakan pendekatan deskriptif kuantitatif dengan 100 responden pelaku UMKM yang beraktivitas di 10 ruang publik utama di Cipayung. Pengumpulan data dilakukan melalui kuesioner dengan skala Likert, kemudian diuji menggunakan SPSS untuk memastikan validitas dan reliabilitas instrument. Metode analisis hirarki proses (AHP) digunakan untuk menentukan prioritas strategi guna mempercepat pemulihan ekonomi. Hasil penelitian menunjukkan bahwa kenyamanan ruang publik menjadi faktor paling dominan dalam mendukung pemulihan ekonomi UMKM. Aspek kebersihan, keamanan, fasilitas dasar, serta desain ruang yang tertata memberikan dampak langsung terhadap meningkatnya jumlah pengunjung dan aktivitas transaksi UMKM. Faktor kedua adalah ragam kegiatan masyarakat, seperti bazar, festival, acara olahraga, dan kegiatan komunitas, yang terbukti meningkatkan omzet UMKM secara signifikan. Jumlah ruang publik memiliki pengaruh lebih kecil karena kualitas dan aktivitas jauh lebih menentukan dibanding kuantitas. Peningkatan omzet penjualan, peningkatan daya saing UMKM, dan penciptaan lapangan pekerjaan dinilai sama pentingnya oleh responden. Temuan ini menegaskan bahwa pemulihan ekonomi UMKM merupakan proses multidimensi yang membutuhkan dukungan lintas aspek, termasuk ruang publik yang fungsional dan keterlibatan masyarakat. Secara keseluruhan, penelitian ini menegaskan bahwa ruang publik bukan hanya sekadar area interaksi sosial, tetapi juga instrumen strategis dalam pemulihan ekonomi lokal. Kolaborasi pemerintah, masyarakat, dan pelaku UMKM menjadi elemen kunci untuk menciptakan ekosistem ekonomi yang berkelanjutan di Kecamatan Cipayung Provinsi DKI Jakarta. Dari hasil analisis strategi prioritas, pelaku UMKM perlu mengikuti pelatihan yang diadakan oleh pemerintah serta memanfaatkan media sosial dan marketplace untuk memperluan pasar dan mempercepat pemulihan ekonomi.

2026-01-01T00:00:00Z