EFISIENSI LEMBAGA BAITUL MAAL WAT TAMWIL DI KABUPATEN BANDUNG BARAT

    Annisa Nur Hakim, - (2018) EFISIENSI LEMBAGA BAITUL MAAL WAT TAMWIL DI KABUPATEN BANDUNG BARAT. S1 thesis, Universitas Pendidikan Indonesia.

    Abstract

    Baitul Maal Wat Tamwil di Indonesia telah mengalami perkembangan dari tahun ke tahun. Pertumbuhan tersebut diikuti dengan peningkatan dari sisi aset BMT dari Tahun 2010- 2015. Namun, berdasarkan data kinerja BMT di Kabupaten Bandung Barat kurang optimal, diketahui terdapat satu BMT di Kabupaten Bandung Barat yang efisien dan tiga BMT yang mengalami inefisien. Salah satu penyebab kurang optimalnya kinerja BMT yaitu inefisiensi dalam kegiatan operasional. Efisiensi pada suatu perusahaan berkaitan dengan bagaimana cara memperoleh tingkat output yang maksimal dengan jumlah input tertentu. Penelitian ini bertujuan untuk mengetahui tingkat efisiensi BMT di Kabupaten Bandung Barat periode 2011- 2017 dan mengetahui apa saja penyebab inefisiensi. Penelitian ini menggunakan data sekunder dari empat BMT di Kabupaten Bandung Barat yang menjadi sampel. Metode penelitian yang digunakan adalah metode deskriptif dengan teknik analisis Data Envelopment Analysis (DEA) yaitu untuk mengukur tingkat efisiensi perusahaan. Variabel input yang digunakan adalah beban operasional, total aset, dan DPK. Selanjutnya, variabel output yang digunakan adalah SHU, pendapatan, dan pembiayaan. Berdasarkan hasil penelitian yang dilakukan diketahui bahwa, kondisi BMT di Kabupaten Bandung Barat belum efisien secara sempurna. Terdapat tiga BMT yang mengalami inefisiensi diantaranya BMT Dana Ukhuwah, BMT Mustama, dan BMT Rabbani yang diakibatkan karena tingginya total aset dan DPK yang dikeluarkan dan masih rendahnya SHU, pendapatan dan pembiayaan yang diperoleh. Implemantasi dari penelitian ini adalah perlunya peningkatan kinerja keuangan BMT di Kabupaten Bandung Barat agar lebih efisien, sehingga BMT mempunyai daya saing dengan lembaga keuangan syariah lainnya. ;--- Baitul Maal Wat Tamwil in Indonesia has experienced development from year to year. This growth was followed by an increase in BMT assets from 2010-2015. However, based on BMT performance data in West Bandung District, it was less optimal, it was known that there was one efficient BMT in West Bandung Regency and three inefficient BMTs. One of the causes of less optimal BMT performance is inefficiency in operational activities. Efficiency in a company is related to how to obtain thelevel of output maximumwith aamount of input certain. This study aims to determine the level of efficiency of BMT in West Bandung Regency in the period of 2011-2017 and find out the causes of inefficiency. This study uses secondary data from four BMTs in West Bandung District which are sampled. The research method used is descriptive method withanalysis technique Data Envelopment Analysis (DEA)which is to measure the level of efficiency of a company.variables Input used are operating expenses, total assets, and TPF. Furthermore, thevariables output used are SHU, income, and financing. Based on the results of research conducted it is known that, BMT conditions in West Bandung Regency have not been perfectly efficient. There are three BMTs that experience inefficiencies including BMT Dana Ukhuwah, BMT Mustama, and BMT Rabbani which are caused due to the high total assets and DPK issued and still low SHU, income and financing obtained. The implication of this research is the need to improve the financial performance of BMTs in West Bandung Regency to be more efficient. So that BMT has competitiveness with other Islamic financial institutions.

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    Official URL: http://repository.upi.edu
    Item Type: Thesis (S1)
    Additional Information: No. Panggil : S IEKI ANN e-2018; Nama Pembimbing : I. Dr.A.Jajang mahri, II. Dr.Aas Nurasyiah; NIM : 1401872.
    Uncontrolled Keywords: Efisiensi, Baitul Maal Wat Tamwil, Data Envelopment Analysis (DEA);---Efficiency, Baitul Maal Wat Tamwil, Data Envelopment Analysis (DEA)
    Subjects: B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc
    H Social Sciences > HG Finance
    Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
    Depositing User: Ryan Taufiq Qurrohman
    Date Deposited: 20 Jan 2020 07:12
    Last Modified: 20 Jan 2020 07:12
    URI: http://repository.upi.edu/id/eprint/44965

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