Analisis Model Inovasi Di Bmt Muara Utama Kartasura Dalam Meningkatkan Kesejahteraan Anggota

BMT is one service industry that offers products according to the needs of sharia. In order to maintain Sharia cooperatives, innovation is needed, such as product innovation, human resources, or improving the community's understanding of Sharia cooperatives. This research is a qualitative descriptive research with research location in BMT Muara Utama. Data collection techniques through interviews and observation. Data analysis using qualitative interoretation and SWOT method. The results show that product development innovation in BMT Muara Utama has not been done yet, and still follow the products like other sharia cooperatives. Currently, HRD Innovation in BMT Muara Utama Kartasura is conducted, by conducting training for employees and motivating employees to continue their studies in universities. Innovation BMT Muara Utama Kartasura in improving public understanding of Sharia cooperative done by way of promotion and socialization by working together at government institution (kalurahan / desa). The development of BMT Muara Utama Kartasura is based on SWOT analysis, namely: (1) Strenght on human resource innovation and giving understanding to the community about sharia cooperative; (2) Weaknesses on musyarakah product ie partners do not give financial report to BMT Muara Utama, (3) Opportunities , development opportunities of BMT Muara supported by SDI innovation and innovation giving understanding to society about sharia cooperative, (4) Threats, biggest threat BMT Muara Utama is BMT on same product with other BMT.