标题：Kajian Penilaian Kesehatan Dalam Rangka Mengevaluasi Kinerja Lembaga Keuangan Mikro Syariah Baitul Maal wat Tamwil (Kasus BMT Bina Umat Sejahtera Lasem Rembang)
期刊名称：MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah
印刷版ISSN：2085-8418
出版年度：2011
卷号：4
期号：2
页码：195-205
语种：Indonesian
出版社：Institut Pertanian Bogor
摘要：One of model Micro Finance Institution (MFI) which in this one deca de expand fast relative is Shariah MFI , the institution that more knowledgeable with Baitul Maal Wat Tamwil (BMT).Considering strategic value (BMT) and fact that assessment of performance of health BMT not yet done in this time, hence be conducted by this study /research at BMT Bina Umat Sejahtera (BUS) Lasem Rembang of Central Java. The aim of this study is know how the finance ratio influence performance of BMT BUS, that is factor of strength and its feebleness , also defining strategy needed in developing capacity of BMT BUS. This study conducted by (1) taking secondary data from financial statement of BMT BUS, literatures, journals, bulletins, and seminar paper , (2) direct observation at BMT checked, (3) and interview. Quantitative data analysis is done by blend analy sis of finance performance assessment , a kind o f CAMEL ( Capital , Asset s, Management , Earning , and Liquidity ) for banking with ratio of efficiency and rentability from ratio sum up staff approach . S o that this component assessment consist s of capital structure ratio, solvabilitas, productive asset quality, liquidit y , efficiency, rentability, independenc y and sustainab ility . The result depicted in radar chart graph. To sharpen analysis used with Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis. Result posed in this study is that Health y Performance BMT Bina Umat Sejahtera in the year 2006 inclusive of category of well enough, with its strength component ( score 4) in stor ies ; level of financing risk of a period of to small, very efficient in optimalise of Account Officer staff ( AO) in serving customer financing , very able to activate society for fund ing and optimalise in portfolio financing , very self-supporting in operational cost, and very able to manag e outstanding financing with e xisting AO staff . There is factor of f eebleness of BMT BUS (score 1) there is [at] abolition reserve of risk financing smaller than risk financing which owning, alocate too high asset fixed asset, and its ability get net profit very minimize compared to by a asset and or the capital managed its.
关键词：BMT, assessment of performance, CAMEL, SWOT, wealth management
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