Pengembangan Layanan Inovatif Dengan Analisis Blue Ocean Strategy di KSPPS BMT NU Sejahtera Bumiayu
DOI:
https://doi.org/10.58192/ebismen.v4i2.3444Keywords:
Blue Ocean Strategy, KSPPS BMT NU Sejahtera, Innovative services, Islamic MicrofinanceAbstract
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.
References
Avita, D. N., Aditya, R., Fakhrudin, A., Tohir, N. I., & Anshori, M. I. (t.t.). Maximizing Strategies For Developing Business In The Digital Transformation Era.
Fakhruz Zaman, R., Ruwana, I., & Indriani, S. (2024). Pengembangan Bisnis Kerupuk Ikan Dengan Pendekatan Business Model Canvas dan Blue Ocean Strategy. Jurnal Valtech, 7(2), 448–455. https://doi.org/10.36040/valtech.v7i2.11468
Husna, S. A., Mulyana, R., & Taryana, A. (t.t.). JURNAL ADMINISTRASI PEMERINTAHAN (JANITRA).
Imamah, I. F. (2019). PENENTUAN NISBAH BAGI HASIL PADA PEMBIAYAAN MUDHARABAH DAN PERLAKUAN AKUNTANSINYA (Studi Kasus pada KSPPS BMT NU Cabang Wringin Kabupaten Bondowoso). Ekuitas: Jurnal Pendidikan Ekonomi, 7(1), 41–52.
Iqbal, I. (2016). ANALISIS THE FIVE FORCES STRATEGY PADA AL-MUMTAZ PEDULI PONTIANAK. Walisongo: Jurnal Penelitian Sosial Keagamaan, 24(1), 191. https://doi.org/10.21580/ws.24.1.976
Mahadiansar, M., & Aspariyana, A. (2020). PEST Analysis Model dalam Pengembangan Potensi Wisata Pulau Benan, Kabupaten Lingga, Kepulauan Riau. Indonesian Journal of Tourism and Leisure, 1(1), 14–25. https://doi.org/10.36256/ijtl.v1i1.93
Melina, F. (2020). PEMBIAYAAN MURABAHAH DI BAITUL MAAL WAT TAMWIL (BMT). Jurnal Tabarru’: Islamic Banking and Finance, 3(2), 269–280. https://doi.org/10.25299/jtb.2020.vol3(2).5878
Murti, A. P., Setyowati, T., & Samsuryaningrum, I. P. (2022). Implementasi Blue Ocean Strategy Pada UMKM Rezti’s Batik Di Desa Tegalsari Kabupaten Jember. JURNAL MANAJEMEN DAN BISNIS INDONESIA, 8(1), 128–136. https://doi.org/10.32528/jmbi.v8i1.5046
Mustafa, A. K. M., & Al-Rubaie, S. M. S. (2021). Integration between the Blue Ocean Strategy and the Value Chain and its Role in Achieving Competitive Advantage: An Applied Research in the International Development Bank. Studies of Applied Economics, 39(11). https://doi.org/10.25115/eea.v39i11.5836
Nurrisa, F., & Hermina, D. (2025). Pendekatan Kualitatif dalam Penelitian: Strategi, Tahapan, dan Analisis Data. 02(03).
Razak, I. (2023). Blue Ocean Strategy: Marketing Strategy to achieve Competitive Advantage. 2.
Rifa’i, Z., Kom, S., Msi, M., & Witriantino, D. A. (2022). Analisis Digital Marketing Start-up Hompimpaa.id Menggunakan Metode Analisis SWOT, Value Proposition Canvas, dan Competitive Five Force. 8(1).
Riyadi, F., & Lestari, S. P. (2017). ANALISIS IMPLEMENTASI PENANGANAN PEMBIAYAAN MUDHARABAH BERMASALAH DI KSPPS BMT BINA UMMAT SEJAHTERA CABANG MIJEN KUDUS. Jurnal Bisnis dan Manajemen Islam, 05(2).
Safitri, N., & Pramudita, R. (2019). Perencanaan Strategis Sistem Informasi Menggunakan Metode PEST dan MOST. 2.
Samrin, S., & Irawan, I. (2019). ANALISIS BLUE OCEAN STRATEGY BAGI INDUSTRI KERAJINAN DI KOTA TANJUNG BALAI. Jurnal Manajemen Tools, 11(1).
Selamoglu, M. (2021). Blue Economy and Blue Ocean Strategy. Journal of Ecology & Natural Resources, 5(4). https://doi.org/10.23880/jenr-16000263
Sholekhah, Z., & Reviandani, W. (2024). ANALISIS PEMBERIAN KREDIT UNTUK MEMINIMALKAN KREDIT BERMASALAH PADA KSPPS BMT MANDIRI SEJAHTERA CABANG BALONGPANGGANG. Komitmen: Jurnal Ilmiah Manajemen, 5(1), 15–24. https://doi.org/10.15575/jim.v5i1.33208
Sudjana, K., & Rizkison, R. (2020). Peran Baitul Maal Wat Tamwil (BMT) dalam Mewujudkan Ekonomi Syariah yang Kompetitif. Jurnal Ilmiah Ekonomi Islam, 6(2), 175. https://doi.org/10.29040/jiei.v6i2.1086
Waruwu, M. (2023). Pendekatan Penelitian Pendidikan: Metode Penelitian Kualitatif, Metode Penelitian Kuantitatif dan Metode Penelitian Kombinasi. 7.
Widodo, P. (2024). ANALISIS STRATEGI BLUE OCEAN “PT HANJAYA MANDALA SAMPOERNA TBK.” JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi)., 11(1), 496–504. https://doi.org/10.35794/jmbi.v11i1.53827
Yandasari, K. N., & Utami, C. W. (2021). Blue Ocean Strategy of the Srikandi Organizer. KnE Social Sciences. https://doi.org/10.18502/kss.v5i5.8810
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Ekonomi, Bisnis dan Manajemen
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
