Abstract AbstractThe purposes pf the research are: (1) to analyze the external factor and internal factor of KJKS BMT Syariah Sejahtera. (2) To analyze the strengthen, weaknesses, opportunity, and threat of KJKS BMT Syariah Sejahtera. (3) To formulate the alternative strategic management of KJKS BMT Syariah Sejahtera. The research uses descriptive qualitative method approach about strategy management of KJKS BMT Syariah Sejahtera with business environment analysis approach that consists of external environment and internal environtment. The external environment consists of general environtment such as: politic, economic, social, and technology (PEST) and also industrial environment. Internal environmen tcosists of oganization aspek, moneter, weaknesses, opportunity and threat (SWOT Analysis) are formulated in alternatif strategic mangement of KJKS BMT Syariah Sejahtera. The result of the research show that general environment of KJKS BMT Syariah Sejahtera shows a good enaugh prospect. Industrial environment shpws that there isi any high competition. Internal environment shows that KJKS BMT Syariah Sejahtera has three primer competitions. Based on the SWOT Analysis, shows that in SWOT -4K quadrant, the position of KJKS BMT Syariah Sejahtera in the I quadrant in 0,09 position for strengthen-weaknesses and 2,40 for opprtunity-threat. The position shows that the alternative strategic mangement that can be done by KJKS BMT Syariah Sejahtera is the growth strategy in corporate strategy and focus strategy in business strategy. The result of the research is aspcted useful for KJKS BMT Syariah Sejahtera and others micro syariah finance, and also for the writer. Lingkungan eksternal terdiri dari lingkungan unun yakni politik, ekonomi, sosial dan teknologi (PEST) serta lingkungan industri. Lingkungan internal terdiri dari aspek organisasi, keuangan, pemasaran, produk dan operasi, sumber daya manuasia dan sistem informasi manajemen. Dari analisis lingkungan bisnis akan diketahui kekuatan, kelemahan, peluang dan tantangan KJKS BMT Syariah Sejahtera. Dengan analisis kekuatan, kelemahan, peluang dan tantangan tersebut (analisis SWOT) akan dapat dirumuskan alternatif manajemen strategi KJKS BMT Syariah Sejahtera. KeywordsHasil penelitian menunjukkan bahwa lingkungan umum KJKS BMT Syariah Sejahtera memperlihatkan adanya prospek yang cukup baik. Lingkungan industri keuangan adanya persaingan yang cukup tinggi. Lingkungan internal menunjukkan bahwa KJKS BMT Syariah Sejahtera memiliki tiga syarat kompetisi inti. Berdasarkan pada analisis SWOT, menunjukkan bahwa dalam kuadran SWOT-4K, posisi KJKS BMT Syariah Sejahtera pada kuadran I di posisi 0,90 untuk kekuatan-kelemahan dan 2,40 untuk peluang-tantangan. Dengan posisi ini maka alternatif manajemen strategi yang dapat dilakukan KJKS BMT Syariah Sejahtera adalah strategi pertumbuhan pada strategi korporat dan strategi fokus pada strategi bisnis. Hasil penelitian diharapkan dapat bermanfaat bagi BMT Syariah Sejahtera maupun praktisi keungan mikro syariah la...

This research discusses the supervision of sharia cooperative with financial statement basic, the document study of BMT Tumang Financial Statement from 2015 to 2019 Year. The research is sequential exploratory research, it's mean to mix between quantitative research and qualitative research, quantitative method to use financial statement analyze approach next to explained in qualitative descriptive approach. The purposes of the research to assess and describe into criteria (disobedient, less obedient, quite obedient, obedient) of cooperative compliance, financial compliance, and sharia compliance. Cooperative compliance that consists of cooperative principles such as: giving, democratist, justice of profit laverge, resource appreciate, and independence. Financial compliance that consists of financial management such as: capitaly, productive assets, efficiency, liquidity, and growth. Sharia compliance that consists of sharia principle such as: amanah, muamalah, khalifah, 'is, interest free, and uncentralistic economic. The result of the research show that BMT Tumang has obedient to compliance of membering, abedient to compliance of democratic, less obedient to compliance of justice, less obedient to compliance of profit laverge, quite obedient to compliance of resource appreciate, and less obedient to compliance of independence. BMT Tumang has less obedient to compliance of capitaly, obedient to compliance of productive assets, quite obedient to compliance of efficiency, less obedient to compliance of liquidity, less obedient to compliance of growth. BMT Tumang has obedient to compliance of amanah, quite obedient to compliance of muamalah, obedient to compliance of khalifah, less obedient to compliance of 'is, less obedient to compliance of interest free and obedient to compliance of uncentralistic economic. The research results would be better use observation and interview also. The supervision of sharia cooperative with financial statement basic aspected is useful for supervisors of sharia cooperative to compliance assessment.