Micro Financial Sharia Non-bank Strategic Analysis: a Study at BMT Beringharjo, Yogyakarta

Prior to the 1998 economic downfall, and in ten years after 2008, BMT (Baitul Maal wa Tamwil) proofed endurance remain stable. From those external factors, strived company very hard sustain its business, as well formulate a better strategy competitive advantage. The research begins with internal analysis, using SWOT Analysis. results shows business strength market penetration, lies company’s human development. Through IE Matrix, founds Beringharjo position Quadrant or cell IV Matrix IE, growth through horizontal integration concentration. Based on of: (1) competition; (2) strength; (3) weakness; (4) opportunity; (5) threats. Enriched penetration; development; creative innovation is inevitable exist gain more success.