Strategi Transformasi Digital dalam Membangun Keberlanjutan Bisnis Lembaga Keuangan Syariah: Studi Kasus Kualitatif tentang Integrasi Model Bisnis Digital, Inovasi Produk, dan Kewirausahaan Strategis pada BPRS Barokah Dana Sejahtera. Daerah Istimewa Yogyakarta. Indonesia

Tabah Indra Gunawan; Purwoko Purwoko; Zunan Setiawan

doi:10.69693/ijmst.v4i3.12638

Authors

Tabah Indra Gunawan Universitas Ahmad Dahlan
Purwoko Purwoko Universitas Ahmad Dahlan
Zunan Setiawan Universitas Ahmad Dahlan

DOI:

https://doi.org/10.69693/ijmst.v4i3.12638

Keywords:

Transformasi Digital, Model Bisnis Digital, Inovasi Produk, Kewirausahaan Strategis, Keberlanjutan Bisnis, BPRS

Abstract

Transformasi digital menjadi faktor strategis bagi keberlanjutan bisnis lembaga keuangan syariah dalam menghadapi perubahan perilaku nasabah, perkembangan teknologi finansial, dan meningkatnya tuntutan efisiensi operasional. Namun, penelitian mengenai digitalisasi pada sektor perbankan syariah masih banyak berfokus pada aspek adopsi teknologi dan belum mendalam menjelaskan proses integrasi antara model bisnis digital, inovasi produk, dan kewirausahaan strategis dalam membangun keberlanjutan organisasi. Penelitian ini bertujuan untuk menganalisis strategi transformasi digital keberlanjutan bisnis pada BPRS Barokah Dana Sejahtera Yogyakarta melalui perspektif integrasi model bisnis digital, inovasi produk, dan kewirausahaan strategis. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data penelitian diperoleh melalui wawancara mendalam terhadap informan kunci yang terdiri atas pimpinan, manajemen operasional, bagian teknologi informasi, dan pihak yang terlibat dalam pengembangan layanan digital BPRS. Analisis data dilakukan menggunakan perangkat lunak NVivo 15 melalui tahapan pengkodean terbuka, pengelompokan kategori, analisis tema, dan visualisasi hubungan antar konsep. Hasil pengolahan NVivo 15 menunjukkan terbentuknya empat tema utama, yaitu kapabilitas digital organisasi, transformasi model bisnis, inovasi produk berbasis kebutuhan nasabah, dan orientasi kewirausahaan strategis. Hasil penelitian menunjukkan bahwa keberlanjutan bisnis BPRS dibangun melalui kemampuan organisasi dalam mengintegrasikan teknologi digital dengan strategi inovasi dan pengkreasian nilai berbasis kebutuhan pelanggan. Penelitian ini menghasilkan model konseptual transformasi digital berkelanjutan pada lembaga keuangan syariah yang menempatkan kapabilitas digital sebagai penggerak utama perubahan organisasi.

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