Efficiency Institution Baitul Maal Tamwill in The Westdistrict Bandung

Annisa Nur Hakim, A Jajang W Mahri, Aas Nurasyiah

Abstract


Abstract.     Baitul Maal Wat Tamwil has experienced development in recent years. However, based on BMT performance data in West Bandung regency is less optimal. It is known that there are one efficient BMTs in West Bandung Regency and three BMTs that are inefficient. The cause of BMT's less optimal performance is inefficiency in operational activities. This study aims to determine the level of efficiency of BMT in the West Bandung 2011-2017 period 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 the descriptive method with Data Envelopment Analysis (DEA) analysis technique to measure the level of efficiency of a company. Input variables used are operating expenses, total assets, and TPF. Furthermore, the output variables used are SHU, income, and financing. Based on the results of research conducted, the conditions of the BMT in the West Bandung Regency have not been perfectly efficient. Three BMTs have experienced inefficiencies, including BMT Dana Ukhuwah, BMT Mustama, and BMT Rabbani.

 

Keywords.          Efficiency, Baitul Maal Wat Tamwil, Data Envelopment Analysis

Keywords


Efficiency, Baitul Maal Wat Tamwil, Data Envelopment Analysis

Full Text:

PDF

References


Ali, M. M., & Ascarya. (2010). Analisis Efisiensi Baitul Maal Wat Tamwil Dengan Pendekatan Two Stage Data Envelopment Analysis (Studi Kasus Kantor Cabang BMT MMU Dan BMT UGT Sidogiri. Tazkia Islamic Finance & Business Review Vol 5 No.2 , 110- 125.

Ascarya, & Illiyyin, A. R. (2013). Efisiensi Model BMT Vs Koperasi. Iqtishodia, 23-25.

Badranaya, D. (2017). Efficiency of Financing in Sharia Cooperatives. Etikonomi, 249- 264.

Bassem, B. S. (2008). Efficiency of Microfinance Institutions in the Mediterranean: An Application of DEA. Mediterranean and Middle East Papers , 343-354.

Cokrohadisumarto, W. M., Ismail, A. G., & K. W. (2016). BMT Praktik dan Kasus. Jakarta: PT RajaGrafindo Persada.

Juliana. (2017). Uang Dalam Pandangan Islam. Amwaluna, Vol. 1 No. 2, 217- 230.

Khan, A. (2014). Efficiency Measure of Insurance v/s Tak ful Firms Using DEA Approach: A Case of Pakistan. Islamic Economic Studies Vol. 22, No. 1, May, 2014, 139-158.

Kholim, M. (2004). Eksistensi Baitul Maal wat Tamwil dan Permasalahan dalam Operasionalisasinya (Studi Di Provinsi Jawa Tengah). Master Thesis Program Pascasarjana.

Kipesha, E. F. (2012). Efficiency of Microfinance Institutions in East Africa A Data Envelopment Analysis. European Journal of Business and Management ISSN 2222- 1905 Vol 4, No 17, 77-88.

Lutfi. (2018, Mei Senin). Jumlah Baitul Maal wa Tamwil di Kabupaten Bandung Barat. (A. N. Hakim, Interviewer)

Muhibah, I. (2016). Efisiensi Baitul Maal Watamwil Kota Tasikmalaya Periode 2011- 2015 Pendekatan Stochastic Frontier Analysis (SFA) Derivasi Fungsi Profit dan BOPO. Journal of Economics and Business Aseanomics (JEBA), 235- 257.

Nasution, A. C. (2014). Efficiency of Baitul Maal Wa Tamwil (BMT) An Effort Towards Islamic Wealth Management In Microfinance Institution . Malaysia: International Islamic University of Malaysia.

Pasaribu, A., Bakce, D., & Dewi, N. (2016). Analisis Efisiensi Produksi Usaha Tani Kelapa Di Kecamatan Keritang Kabupaten Indragiri Hilir. JOM Faperta Vol.3 No. 1 , 1- 11.

Putri, M. S., & Mulazid, A. S. (n.d.). Analisis Efisiensi Bank Umum Syariah (BUS) di Indonesia Dengan Menggunakan Metode Data Envelopment Analysis (DEA) Periode 2013-2015. UIN Syarif Hidayatullah Jakarta, 1-17.

Sakti, A. (2013). Pemetaan Kondisi dan Potensi BMT: Kemitraan dalam rangka Memperluas Pasar & Jangkauan Pelayanan Bank Syariah kepada Usaha Mikro. Jurnal al-Muzara’ah, Vol. I, No. 1 , 1-18.

Sumiyanto, A. (2008). BMT Menuju Koperasi Modern: panduan untuk pemilik, pengelola, dan pemerhati baitul maal wa tamwil dalam for,at koperasi: dilengkapi panduan lengkap & praktis pembentukan dan pengelolaan BMT . ISES Pub.

Tahir, I. M., & CheTahrim, S. N. (2013). Efficiency Analysis of Microfinance Institutions in ASEAN A DEA Approach. Business Management Dynamics Vol.3, No.4, 13-23.

Tanjung, H., & Devi, A. (2013). Metodologi Penelitian Ekonomi Islam. Jakarta : Gramata Publishing

Yuningrum, H. (2012). Mengukur Kinerja Operasional BMT Pada Tahun 2010 Ditinjau Dari Segi Efisiensi Dengan Data Envelopment Analysis (DEA) (Studi Kasus BMT Di Kota Semarang). Economica Vol II/ Edisi 2, 111-128Tikawati. (2012). Implementasi Good Corporate Governance Pada Lembaga Keuangan Syariah (Perbankan Syariah). Jurnal Pemikiran Hukum Islam Vol. 10, No.2, 118-126.




DOI: https://doi.org/10.17509/rief.v1i1.23743

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 Review of Islamic Economics and Finance

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

This journal provides immediate open access to its content on the principle that makes research freely available to the public and supports a greater global exchange of knowledge.

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 Internasional (CC BY-SA 4.0).

StatCounter - Free Web Tracker and Counter View My Stats