Pengaruh inovasi dan strategi pengelolaan BMT terhadap peningkatan pembiayaan mudharabah bagi UMKM di Indonesia
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Abstract
This study aims to find out how product innovation and strategy can affect the improvement of Mudharabah Financing in BMT on the empowerment of UMKM in Indonesia. The research method used in this study is using qualitative research techniques with a descriptive approach. Data collection was carried out through literature studies from various scientific journals that can be accessed through the ResearchGate and Google Scholar platforms. Based on the results of the study, it is shown that customer loyalty to mudharabah financing decreases due to complicated processes, high risks, and lack of adequate promotions. In addition, customer preferences for more definite systems, such as fixed interest, are also the cause. To overcome this, product innovations are needed such as the application of digital technology, sharia crowdfunding, and product adjustments for certain sectors. A marketing strategy based on the 4Ps (Product, Place, Price, Promotion) and effective promotion are also important to increase customer interest and trust in mudharabah financing.
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References
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