Pemetaan Permasalahan BMT (Baitul Mal Wat Tamwil): Pendekatan Teori Manajemen Strategi Environmental Scaning
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Abstract
Baitul Mal wat Tamwil (BMT) is a sharia microfinance institution in Indonesia. The presence of BMTs, like microfinance institutions in various countries, is quite helpful for small communities. Various problems according to some previous researchers still cover BMT. This study aims to map various BMT problems with the approach of management strategy theory, especially environmental scanning. This type of research is qualitative and descriptive. Data sources used are secondary data sources in the form of documents. Documents are limited to textbooks and scientific journals with certain categories. Stages of qualitative research analysis include data collection, reduction, presentation and conclusion - verification. This study concludes that problem mapping of BMT can use an environmental scanning management strategy theory approach. The results of the BMT problem mapping: BMT internal environmental problems are in HR and service product concepts, industrial environment problems are in the bargaining power of consumers / customers (community acceptance), and BMT macro environment issues are in legislation and regulation.
[Baitul Mal wat Tamwil (BMT) adalah suatu lembaga keuangan mikro syariah di Indonesia. Kehadiran BMT, sebagaimana lembaga keuangan mikro di berbagai negara, cukup membantu bagi masyarakat kecil. Berbagai permasalahan menurut beberapa peneliti sebelumnya masih menyelimuti BMT. Penelitian ini bertujuan untuk memetakan berbagai permasalahan BMT tersebut dengan pendekatan teori manajemen strategi khususnya environmental scaning. Jenis penelitian ini adalah kualitatif dan bersifat deksriptif. Sumber data yang digunakan adalah sumber data sekunder berupa dokumen. Dokumen dibatasi berupa buku teks (textbook) dan jurnal ilmiah dengan kategori tertentu. Tahapan analisa penelitian kualitatif meliputi koleksi data, reduksi, penyajian dan konklusi –verifikasi. Penelitian ini menghasilkan kesimpulan bahwa pemetaan permasalahan BMT bisa menggunakan pendekatan teori environmental scanning manajemen strategi. Hasil pemetaan permasalahan BMT: permasalahan lingkungan internal BMT adalah pada SDM dan konsep produk jasa, permasalahan lingkungan industri adalah pada daya tawar konsumen/nasabah.]
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