Digitalization Of Microfinance Institutions As A Solution For Community Economic Empowerment: Case Study Of BMD Syariah

Authors

  • Muhammad Ramaditya Faculty of Administrative Science, Universitas Indonesia
  • Dewi Lusiana Faculty of Administrative Science, Universitas Indonesia
  • Donny Oktavian Syah Faculty of Administrative Science, Universitas Indonesia
  • Ardianto Muditomo Perbanas Institute Jakarta
  • Dhanis Herlambang PT Gamatepat Indonesia
  • Annisa Parastry Faculty of Administrative Science, Universitas Indonesia

DOI:

https://doi.org/10.22219/jrak.v15i1.36988

Keywords:

Digitalization, Microfinance Institution, Mobile Payment, Payment System

Abstract

Purpose: This research is aim to provides a solution in the form of a mobile point-of-sale (MPOS) machine that can be integrated with the BMD Syariah Madiun

Methodology/approach: This paper employs a design thingking process by having Focus froup discussion with all the management in BMD Syariah Madiun.

Findings: The design and development of information technology solutions for innovation constraints considering the targeted value proposition, which is fast-cheap-easy. Fast, which means the speed in implementing solutions.

Practical implications: One important step that BMD Syariah has taken is to develop an integrated business ecosystem, where every part of the organization is interconnected and supports each other. In this context, BMD Syariah strives to create an efficient and user-friendly payment system, where members can conduct transactions easily and quickly.

Originality/value: Value proposition is a promise made by an BMD Syariah to customers regarding the benefits they will receive from the products or services offered with strong digitalization platform to its customer

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References

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Published

2025-02-28

Issue

Vol. 15 No. 1 (2025): Jurnal Reviu Akuntansi dan Keuangan

Section

Articles

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Copyright (c) 2025 Muhammad Ramaditya, Dewi Lusiana, Donny Oktavian Syah, Ardianto Muditomo, Dhanis Herlambang

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