Strategi pengembangan bisnis unit simpan pinjam (usp) nusa makmur induk koperasi syirkah muwanah nusantara

Like other developing countries in the world, villagers in Indonesia who wish to develop their businesses often face difficulty in capital. This problem exists because the access to both Islamic and conventional banking is difficult, the absence of collateral pledged and low understanding about the bank credit. Indonesian society is dominated by Muslim and is living in rural areas need credit to small-scale or micro-credit for their working capital. Of the total Muslim population, 60 percent of them claimed to be part of a mass organization Nahdlatul Ulama (NU). Since it is considered important, then in 2012, NU opened a savings and loan (LSU) LSU Nusa Makmur called Islamic Microfinance. This institution is managed independently under a cooperative parent will develop the primary cooperatives that have most significantly, the Parent Cooperative Syirkah Muawanah Nusantara (Inkopsimnus). LSU Nusa Makmur taken as a case study research because these institutions have managed to obtain a credit loan commitments of Raptor Capital Management (RCM), an investment institution based in Singapore amounting to Rp 2.7 trillion, or 200 million US dollars over the next 10 years from agreement cooperation in 2012. in the last three years, this unit has been disbursing loans to 30 cooperatives and Baitul Mal wa Tamwil (BMT) with the acquisition of the operating results of Rp 3.2 billion or 245 thousand US dollars. This study analyzes the business development strategies of LSU Nusa Makmur. Data analysis using the SWOT method and QSPM with a number of selected respondents in the form of actors in LSU Nusa Makmur and external respondents including from the government and a successful example of savings and credit cooperatives in Indonesia, Kospin JASA. This study will examine what business development model suitable for these savings and loans unit. The results of this study indicate that the unit is in position to grow and thrive, or that are in the cell to fourth with a total score of 3.0566 IFE and EFE score of 2.8746. Five alternative strategies generated in this study are: first, do a backward integration by building a network of more intensive with primary cooperatives which are members of the Inkopsimnus. Second, increase the amount of lending to cooperatives / BMT partners by way of credit analysts add energy to accelerate decision-making. Third, doing integration forward with developing a cooperative approach to a number of primary and BMT have close relations with NU. Fourth, Socializing, micro-credit product introductions USP Nusa Makmur in the base region NU approach to a boarding school. Fifth, the development of a new profit-sharing scheme so attractive for cooperative / BMT partners to obtain credit from USP Nusa Makmur. The most important strategic recommendations resulting from this study is that 10 years into the future, USP Nusa Makmur need to metamorphose into a Cooperative Savings and Loans (KSP) which can deal directly with customers