@article{Aslichan_Hubeis_Sailah_2011, title={Kajian Penilaian Kesehatan Dalam Rangka Mengevaluasi Kinerja Lembaga Keuangan Mikro Syariah Baitul Maal wat Tamwil (Kasus BMT Bina Umat Sejahtera Lasem Rembang)}, volume={4}, url={https://jurnal.ipb.ac.id/index.php/jurnalmpi/article/view/3802}, DOI={10.29244/mikm.4.2.195-205}, abstractNote={<p class="MsoNormal" style="text-align: justify; text-indent: 27pt;"><span>One of model Micro Finance Institution (MFI) which in this one deca</span><span lang="in" xml:lang="in">de</span><span> expand fast relative is Shariah MFI</span><span lang="in" xml:lang="in">, the institution</span><span lang="in" xml:lang="in">that</span><span> more knowledgeable with Baitul Maal Wat Tamwil (BMT).Considering strategic</span><span>value (BMT) and fact </span><span lang="in" xml:lang="in">that</span><span> assessment of performance of health BMT not yet done in this time, hence be conducted by this study</span><span lang="in" xml:lang="in">/research</span><span> at BMT Bina Umat Sejahtera (BUS) Lasem Rembang of Central Java. </span><span lang="in" xml:lang="in">The aim </span><span>of this study is know how the finance ratio influence performance of BMT BUS, that is factor of strength and its feebleness</span><span lang="in" xml:lang="in">, also </span><span>defining strategy needed in developing capacity of </span><span lang="in" xml:lang="in">BMT BUS.</span><span>This study conducted by </span><span lang="in" xml:lang="in">(1) </span><span>taking secondary</span><span lang="in" xml:lang="in"> data</span><span lang="in" xml:lang="in">from</span><span> financial statement </span><span lang="in" xml:lang="in">of </span><span>BMT BUS, literatures, journals, bulletins, and seminar paper</span><span lang="in" xml:lang="in">, (2) </span><span>direct observation at BMT checked, </span><span lang="in" xml:lang="in">(3) </span><span>and interview. Quantitative data analysis is done by blend analy</span><span lang="in" xml:lang="in">sis</span><span> of </span><span lang="in" xml:lang="in">finance </span><span>performance assessment</span><span lang="in" xml:lang="in">,</span><span> a kind o</span><span lang="in" xml:lang="in">f </span><span>CAMEL </span><span lang="in" xml:lang="in">(</span><span>Capital</span><span lang="in" xml:lang="in">, </span><span>Asset</span><span lang="in" xml:lang="in">s, </span><span>Management</span><span lang="in" xml:lang="in">, </span><span>Earning</span><span lang="in" xml:lang="in">, and </span><span>Liquidity</span><span lang="in" xml:lang="in">)</span><span> for banking with ratio of efficiency and rentability from ratio sum up staff approach</span><span lang="in" xml:lang="in">.</span><span lang="in" xml:lang="in">S</span><span>o that this component assessment consist</span><span lang="in" xml:lang="in">s</span><span> of capital structure</span><span lang="in" xml:lang="in"> ratio,</span><span> solvabilitas, productive asset quality, liquidit</span><span lang="in" xml:lang="in">y</span><span>, efficiency, rentability, independenc</span><span lang="in" xml:lang="in">y</span><span> and sustainab</span><span lang="in" xml:lang="in">ility</span><span>. The result depicted in radar </span><span lang="in" xml:lang="in">chart </span><span>graph. To sharpen analysis used with Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis. Result posed in this study is that Health</span><span lang="in" xml:lang="in">y</span><span> Performance BMT Bina Umat Sejahtera in the year 2006 inclusive of category of<span>  </span>well enough, with its strength component ( score 4) in stor</span><span lang="in" xml:lang="in">ies</span><span>; level of </span><span lang="in" xml:lang="in">financing</span><span> risk of a period of to small, very efficient in optimalise of Account Officer </span><span lang="in" xml:lang="in">staff </span><span>( AO) in serving customer </span><span lang="in" xml:lang="in">financing</span><span>, very able to activate society for fund</span><span lang="in" xml:lang="in">ing</span><span> and optimalise in portfolio </span><span lang="in" xml:lang="in">financing</span><span>, very self-supporting in operational cost, and very able to manag</span><span lang="in" xml:lang="in">e</span><span> outstanding </span><span lang="in" xml:lang="in">financing</span><span> with </span><span lang="in" xml:lang="in">e</span><span>xisting AO</span><span lang="in" xml:lang="in"> staff</span><span>. There is factor of </span><span lang="in" xml:lang="in">f</span><span>eebleness of BMT BUS (score 1) there is [at] abolition reserve </span><span lang="in" xml:lang="in">of risk financing smaller than</span><span lang="in" xml:lang="in">risk financing</span><span> which owning, alocate too high asset fixed asset, and its ability </span><span lang="in" xml:lang="in">get </span><span>net profit </span><span lang="in" xml:lang="in">very </span><span>minimize compared to by a asset and or the capital managed its.</span></p&gt;}, number={2}, journal={MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah}, author={Aslichan- and Hubeis, Musa and Sailah, Illah}, year={2011}, month={Dec.}, pages={195-205} }