Strategi Pemulihan Usaha Kecil Dan Menengah Pasca Pandemi Covid-19 Pada Nasabah PT Bank Syariah Indonesia, Tbk. Regional Jakarta 1
Abstract
The COVID-19 pandemic caused economic instability, affecting small and medium-sized businesses (SMEs). The aims of the study were (1) to analyze the real conditions of SMEs customers of PT Bank Syariah Indonesia, Tbk (BSI) during and after the Covid-19 pandemic; (2) to determine the SMEs recovery strategy after the Covid-19 pandemic for customers of BSI; and (3) to formulate the SMEs recovery strategy after the Covid-19 pandemic for customers of BSI. The study was conducted on customers of BSI Regional Jakarta 1. The research period from July to December 2023. The analysis methods used descriptive analysis, Business Impact Analysis, SWOT analysis, and Analytical Hierarchy Process (AHP). Results showed shifts in risk among SMEs from 2020 to 2023, with agriculture being low-risk and transportation high-risk. SWOT analysis provided alternative strategies namely (1) enhancing digital financing financing services; (2) offering technology-based business training and mentoring programs; (3) enhancing financial literacy through tech-based education; and (4) providing inclusive Financing Relaxation Programs. The AHP analysis emphasized the importance of targeted financing relaxation, assigning it a high weight score of 0,565 as the primary strategy for SMEs recovery post-COVID-19.
Downloads
References
Budiarto R, Putero SH, Suyatna H, Astuti P. 2015. Pengembangan UMKM: Antara Konseptual dan Pengalaman Praktis. Yogyakarta (ID): Gadjah Mada University Press.
Damayanti, TW, Kristianti, Ika, Adhitya, D, dan Supramono. 2023. Bisnis Berkelanjutan UMKM Makanan dan Minuman Pasca Covid 19. Ponorogo (ID): Uwais Inspirasi Indonesia.
David FR & David Forest R. 2016. Strategic Management 16th Edition. England: Pearson
Hardilawati WL. 2020. Jurnal Akuntansi & Ekonomika. Jurnal Akuntansi & Ekonomika, 10(1), p.90.
Hernández-Chea R, Mahdad M, Minh TT and Hjortsø, CN. 2021. Moving beyond intermediation: How intermediary organizations shape collaboration dynamics in entrepreneurial ecosystems. Technovation, 108, p.102332.
Kementerian Koordinator Bidang Perekonomian. 2023. Dorong UMKM Naik Kelas dan Go Export, Pemerintah Siapkan Ekosistem Pembiayaan yang Terintegrasi. Diakses di: https://www.ekon.go.id/publikasi/detail/5318/dorong-umkm-naik-kelas-dan-go-export-pemerintah-siapkan-ekosistem-pembiayaan-yang-terintegrasif pada tanggal 21 Januari 2024
Mala C & M Fath. 2022. Kekuatan Pasar Dan Kinerja Keuangan Perbankan Syariah Indonesia dan Malaysia (2010-2019). Majalengka (ID): CV Kampungku
Nalane LJ & Sekantsi LP. 2020. Assessment of micro, small and medium enterprises (MSME) financial inclusion initiatives by the commercial banks in Lesotho. Journal of Digital Banking, 5(2), pp.163-184.
Ngoc NM and Tien NH. 2021. Branding Strategy for Gamuda Land Real Estate Developer in Ho Chi Minh City Vietnam. Celadon City Project. Psychology and education, 58(5), pp.3308-3316.
Nugroho L & Tamala D. 2018. Persepsi Pengusaha UMKM terhadap Bank Syariah. Sistem Informasi, Keuangan, Auditing dan Perpajakan. 3(1): 49-62. p-ISSN: 2541-1691 e-ISSN: 2599-1876.
Permana SH, Mangeswuri DR, Sari R, Sayekti NW, Mauleny AT, & Purwanto NP. 2022. Dampak Program Restrukturisasi Kredit/Pembiayaan Bagi UMKM Semasa Pandemi Covid-19. Kajian: 27(2): 195-207. 10.22212/kajian.v27i2.4082
Rachmawati WD & Yasin A. 2022. Pengaruh Pembiayaan Mikro Terhadap Perkembangan UMKM Nasabah BSI KCP Mojopahit 2. Jurnal Ekonomika dan Bisnis Islam, 5 (2): 145-156.
Setiawan HCB. 2020. Redesign Bisnis Pasca Pandemi Covid-19: Prespektif UMKM, BUMDes & Usaha Ekonomi Pesantren. Mukmin Publishing.
Siagian AO. 2021. Pengaruh Faktor-Faktor terhadap Pendapatan Pedagang Kaki Lima di Grogol Jakarta Barat. Journal Economu and Cirrency Study (JECS), 3 (1): 1-10.
Sipahi E. 2020. COVID 19 and MSMEs: A revival framework. Research Journal in Advanced Humanities, 1(2), pp.7-21
Sriary BDA & Nyoman YN. 2020. Strategy for improving the performance of MSMES through access to financial institutions. Eurasia: Economics and Business, 12, pp.17-28.
Sugiri D. 2020. Menyelamatkan usaha mikro, kecil dan menengah dari dampak pandemi Covid-19. Fokus Bisnis: Media Pengkajian Manajemen Dan Akuntansi 19(1), 76–86.
Sunaryo & Rusdarti. 2017. Analisis SWOT untuk Menetapkan Strategi Bersaing Pada PT. Tarindo. Economics Development Analysis Journal, 89.