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Beny Witjaksono
Praptiwi Lestiyawati

Abstract

Abstract


Research Objectives (1) Analyzing constraints faced in determining Islamic Commercial Bank Business Model in managing micro financing with Analytic Network Process (ANP) approach; (2) Analyzing solutions that can be used in determining Islamic Commercial Bank business model in managing micro financing with ANP approach; (3) Analyzing strategy for determining Islamic Commercial Bank business model in managing micro financing with ANP approach.


Design / Methodology / Approach - This study uses the ANP method and Super Decision software assistance. Respondents consisting of experts, practitioners, academics, and regulators in this study were selected using purposive sampling method.


The results of the study (1) constraints in determining business model of Islamic Commercial Bank are limitations in infrastructure development, finance issues, and does not focus on customer segment to be intended (2) solutions in determining Islamic Commercial Bank business model; namely building managerial infrastructure, finance blocks in the form of sustainable revenue levels, followed by customer blocks and block offering (3) strategies for determining the business model by prioritizing strategic partners, strict financing monitoring, having a unique value in creating a business, human resource management factor (HR) right and focused.


Originality / Value - This research provides information to Islamic Commercial Banks on Managed Islamic Microfinancing Business Model that can be implemented in every Islamic commercial bank so that it is more profitable and sustainable, the impact will increase Islamic microsegment by promoting the benefit.


Keywords: Analytic Network Process (ANP), Business Model, Islamic Microfinance, Sharia Bank, Islamic Bank


Type of literature research and field research

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