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All Journal Jurnal Sains Manajemen dan Bisnis Indonesia Journal of Islamic Business and Economic Review (JIBER)
Anita Anita
Universitas Islam Negeri Raden Intan Lampung
Humanities Economics, Econometrics & Finance Social Sciences

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Development of Sharia Finance Digitalization Towards Inclusive Finance Within a Sharia Maqashid Framework (Case Study on PT Bank Syariah Indonesia’s BSI Mobile Banking Product) Angel Dwi Satria; Anita Anita; Krismadayanti Krismadayanti; Heni Noviarita
Journal of Islamic Business and Economic Review Vol 4, No 2 (2021): July, 2021
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

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Abstract

The level of Islamic financial literacy and inclusion in Indonesia is still relatively low, data from the Financial Services Authority (OJK) in 2020 shows that the level of Islamic financial literacy is around 8.93% compared to the national index of 76.19% and the level of Islamic financial inclusion is around 9.9%. has not reached 10%. This low public access can be overcome by combining financial services and products with the latest technology. This is an opportunity for the Islamic finance industry to innovate digitally. The author examines digital product innovation to increase literacy and inclusion of Islamic finance, namely the "BSI Mobile Banking" application with 15 features of Islamic financial services owned by PT Bank Syariah Indonesia Tbk. This study uses a qualitative analysis method that explains the suitability of 15 application features with the maqashid sharia concept (Dharuriyyah, Hajiyat and Tahsiniyat) and analyzes the implications of digital applications on Islamic financial literacy and inclusion. The results show that the digital innovation "BSI Mobile Banking" is in accordance with the maqashid sharia concept and can help increase the level of sharia financial literacy and inclusion and support halal needs according to sharia maqashid. 
Analisis Perencanaan Strategi Bersaing Menggunakan Metode Matriks BCG Pada E-Commerce Shopee Anika Ria Ningsih; Anisa Rianti Putri; Anita Anita; Aulia Utari; Vicky F. Sanjaya
Jurnal Sains Manajemen dan Bisnis Indonesia Vol 11, No 1 (2021): Jurnal Sains Manajemen dan Bisnis Indonesia
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jsmbi.v11i1.3237

Abstract

Penelitian ini merupakan sebuah study kasus pada perusahaan E-commerce Shopee di Indonesia pada tahun 2019. Penelitian ini bertujuan untuk mengelompokkan dan memetakan jenis-jenis produk dari setiap produk dalam Matriks Boston Consulting Group (BCG) yang digunakan untuk memformulasikan strategi bersaing secara efektif pada Perusahaan Shopee di Indonesia. Metode Penelitian yang digunakan adalah metode Deskriptif dengan desain penelitian berupa study kasus pada perusahaan shopee dengan teknik pengambilan data menggunakan Teknik pustaka dengan data sekunder.. hasil penelitian diperoleh Tingkat pertumbuhan Pasar sebesar -0,09%, dan pangsa pasar relatif 2,9 1, sehingga perusahaan berada pada posisi Sapi Perah (Cash Cow) yang berarti memiliki pangsa pasar yang relatif tinggi tetapi bersaing dalam industri dengan pertumbuhan lambat. Berdasarkan Pemetaan Produk, Marketshare yang diperoleh shopee sebesar 8,75%.
Co-Authors Angel Dwi Satria Anika Ria Ningsih Anisa Rianti Putri Aulia Utari Heni Noviarita Krismadayanti Krismadayanti Vicky F Sanjaya