Analysis of the Effectiveness of the Business Model of the BSI Sidoarjo Gateway Microfinance Process Based on I-KURMA Application Technology
Efektivitas Model Bisnis Proses Pembiayaan Mikro BSI Sidoarjo Gateway Berbasis Teknologi Aplikasi I-KURMA
DOI:
https://doi.org/10.21070/ups.8037Keywords:
Business Model, Microfinancing, I-KURMA, Effectivennes, FintechAbstract
This study analyzes the effectiveness of the business model in the microfinancing process at Bank Syariah Indonesia (BSI) Gateway Sidoarjo branch, focusing on the use of the i-Kurma application as the primary tool for financing submission and disbursement. Using a qualitative case study method, data were collected through observations, in-depth interviews with BSI employees involved in microfinancing, and documentation of procedures and outcomes. The findings indicate that i-Kurma significantly enhances efficiency and accuracy, particularly in data verification speed, reducing manual paperwork, and improving process monitoring. The business model supported by this application is also considered adaptive, enabling broader customer outreach and faster financing. Overall, the i-Kurma-based model is effective in creating a more efficient, precise, and inclusive microfinancing system at the BSI Sidoarjo Gateway branch.
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