Strategi Pengembangan Bank Pembiayaan Rakyat Syariah di Indonesia

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Published: Jun 26, 2023
DOI: https://doi.org/10.29244/jam.11.1.47-61
Keywords:
BPRS, development, market deepening, micro and small entreprises

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Anisa Dwi Utami
Pusat Studi Ekonomi dan Bisnis Islam (CIBEST) LPPM IPB, Jalan Raya Pajajaran, Bogor 16153, Indonesia
Lukman M Baga
Pusat Studi Ekonomi dan Bisnis Islam (CIBEST) LPPM IPB, Jalan Raya Pajajaran, Bogor 16153, Indonesia
Rahmat Yanuar
Pusat Studi Ekonomi dan Bisnis Islam (CIBEST) LPPM IPB, Jalan Raya Pajajaran, Bogor 16153, Indonesia
Tita Nursyamsiah
Pusat Studi Ekonomi dan Bisnis Islam (CIBEST) LPPM IPB, Jalan Raya Pajajaran, Bogor 16153, Indonesia
Busaid
Pusat Studi Ekonomi dan Bisnis Islam (CIBEST) LPPM IPB, Jalan Raya Pajajaran, Bogor 16153, Indonesia
Yekti Mahanani
Pusat Studi Ekonomi dan Bisnis Islam (CIBEST) LPPM IPB, Jalan Raya Pajajaran, Bogor 16153, Indonesia

Abstract

The business growth of Islamic rural Bank (BPRS) in Indonesia is higher than conventional rural bank, meanwhile it has the lower market share. One of the reasons could be the intense competition faced by Islamic rural banks with another islamic finance institution such as baitul maal wat tamwil (BMT) and islamic commercial banks which have also penetrated into the MSME segment. It makes islamic rural banks are often called having middle child syndrome, which have no speciality in facing the markets. This study aims to identify the strategy to develop and deep the market of islamic rural banks in Indonesia. This study was conducted using primary data through interview and focus group discussion (FGD) and SWOT. The methods used are business model canvass (BMC) and SWOT. The results of this study identified five key factors that play an important role in the development of the BPRS industry, namely 1) capital factor, 2) human resource (HR) factor, 3) information technology infrastructure factor, 4) business model, and 5) regulatory aspect.

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Vol. 11 No. 1 (2023): AL-MUZARA'AH (June 2023)
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Articles
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