Case study at KSPPS BMT UGT nusantara Indonesia an analysis of using mobile applications to increase fee-based income
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Jun 20, 2023
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Abstract
Cooperative members with businesses such as street vendors, primary food traders, and other merchants can be empowered to offer PPOB payment services owned by cooperatives. The kind of examination utilized in this study is a subjective technique. According to the findings of the research that has been conducted, a number of factors influence members to use the UGT Mobile application. These factors include the fact that it is simpler to use than mobile banking in several banks, that it is safer because it is simple to communicate and handle complaints, and that members feel ownership because they are also cooperative owners. Based on the result, BMT UGT individuals are not exactly ideal in utilizing the Mobile UGT application because of the absence of information about the UGT Portable application. Then, BMT UGT's fee-based income growth is below par as a result of Mobile UGT's lack of maximum exposure to BMT UGT members and an uneven distribution of employee knowledge regarding the application's benefits. Thus, this study provides valuable insights into the use of mobile applications to increase fee-based income in microfinance institutions.
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How to Cite
Fatah, M. I., Asnawi, N., Segaf, S., & Parmujianto, P. (2023). Case study at KSPPS BMT UGT nusantara Indonesia an analysis of using mobile applications to increase fee-based income . Enrichment : Journal of Management, 13(2), 1182-1191. https://doi.org/10.35335/enrichment.v13i2.1428
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Yin, Y., Stecke, K. E., & Li, D. (2017). The evolution of production systems from industry 2.0 through industry 4.0. International Journal of Production Research, 56(1–2), 848–861. doi:10.1080/00207543.2017.1403664
Alshubiri, F., Jamil, S. A., & Elheddad, M. (2019). The impact of ICT on financial development: Empirical evidence from the Gulf Cooperation Council countries. International Journal of Engineering Business Management, 11, 1847979019870670.
Anwar, M. K., Ridlwan, A. A., & Laili, W. N. (2023). The role of Baitul Maal Wat Tamwil in empowering msmes in Indonesia: A Study of Indonesian Islamic microfinance institutions. International Journal of Professional Business Review, 8(4). doi:10.26668/businessreview/2023.v8i4.913
Aufa, M. F., Hernowo, W. S., & Musjtari, D. N. (2021). Dynamics of Sharia Cooperative Regulation in Indonesia. Lambung Mangkurat Law Journal, 6(2), 224–235.
Barata, A. (2019). Strengthening national economic growth and equitable income through sharia digital economy in Indonesia. Journal of Islamic Monetary Economics and Finance, 5(1), 145–168.
Chollisni, A. (2013). The Art of Baitul MaalwaTamwil (BMT) as Islamic Microfinance Institution in Eradicating Poverty and the Framework to Analyse its Performance. Islaminomics: Journal of Islamic Economics, Business and Finance, 4(1).
Creswell, J. W., & Creswell, J. D. (2017). Research design: Qualitative, quantitative, and mixed methods approaches. Sage publications.
Denzin, N. K., & Lincoln, Y. S. (2018). The sage handbook of qualitative research. Los Angeles: Sage.
Julius, R. L. (2011). Bank dan Lembaga Keuangan Lain. Empat Salemba.
Kasmir, K. (2016). Analisis Laporan Keuangan, edisi pertama. PT Raja Grafindo Persada.
Margono, S. (2010). ). Metodologi Penelitian Pendidikan. Rineka Cipta.
Masruron, M., & Safitri, N. A. A. (2021). Analisis Perkembangan Perbankan Syariah Di Indonesia Di Masa Pandemi Covid-19. Al Birru: Jurnal Keuangan Dan …, I(1), 1–20. http://jurnal.iaihnwpancor.ac.id/index.php/albirru/article/view/525
Muhadjir, N. (1998). Metodologi Penelitian Kualitatif. Rake Sarasin.
Muhammad. (2019). Inovasi, Rekayasa dan Pengembangan Produk – Instrumen Keuangan Syariah. UII Press Yogyakarta.
Muhammad. (2020). Bank & Lembaga Keuangan Syariah Lainnya. PT Raja Grafindo Persada.
Nur Yahya, E. (2018). SMEs-fintech: Support increase of BMT through financing and Recruitment member based of Technology. Review of Islamic Economics and Finance, 1(1), 43. doi:10.17509/rief.v1i1.13858
Prasada, E. A.m Emirzon, J. & Hasan KN. S. (2020). Philosophy to Strengthen Baitul Maal wat Tamwil Law in Indonesia. Sriwijaya Law Review, 4(2). http://dx.doi.org/10.28946/slrev.Vol4.Iss2.418.pp270-284.
Rahma, E. (2022). STRATEGI PEMASARAN PRODUK GADAI EMAS PADA BANK SYARIAH INDONESIA (STUDI KCP MASAMBA). Institut Agama Islam Negeri Palopo.
Ridwan, R., Sugianto, S., & Setyawati, E. (2021). The effect of TPF, NPF and fee based income on the profitability of Islamic banks with financing as an intervening variable. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(2), 1758–1771. doi:10.33258/birci.v4i2.1849
Rustam, B. R. (2020). Marketing Bank Syariah 4.0 (ed. 1). UPP STIM YKPN.
Sofana, R. D. (2022). The role of Islamic micro financial cooperatives (Baitul Maal Wat Tamwil) in local economic development. Semarang State University Undergraduate Law and Society Review, 2(1), 39–56. doi:10.15294/lsr.v2i1.53479
Suherman, U. D., & Suyandi, D. (2023). BMT Development Strategies in the era of covid-19 pandemic with a SWOT analysis approach. JPS (Jurnal Perbankan Syariah), 4(1), 63–78. doi:10.46367/jps.v4i1.1037
Supardi. (2005). Metode Penelitian Ekonomi dan Bisnis. UII Press.
Trimulato, T. (2019). Fintech for Sharia Micro Finance Institution: qualitative analysis toward utilization of financial technology in BPRS and BMT. AL-FALAH : Journal of Islamic Economics, 4(2), 123. doi:10.29240/alfalah.v4i2.917
Verma, A., Dandgawhal, P. S., & Giri, A. K. (2023). Impact of ICT diffusion and financial development on economic growth in developing countries. Journal of Economics, Finance and Administrative Science. doi:10.1108/jefas-09-2021-0185
Yin, Y., Stecke, K. E., & Li, D. (2017). The evolution of production systems from industry 2.0 through industry 4.0. International Journal of Production Research, 56(1–2), 848–861. doi:10.1080/00207543.2017.1403664