Akbar RA. 2010. Analisis Efisiensi Baitul Mal wa Tamwil dengan Menggunakan
Data Envelopment Analysis (DEA). [Skripsi]. Semarang (ID): Universitas Diponegoro.
Ali MM, 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).Jurnal Islamic Finance & Business Review.Vol. 5 No.2.
Amalia E. 2010. Sejarah Pemikiran Ekonomi Islam; Dari Masa Klasik Hingga Kontemporer. Depok: Gramata Publishing.
Arif MNRA. 2012. Lembaga Keuangan Syariah; Suatu Kajian Teoritis Praktis. Bandung: CV Pustaka Setia.
Coelli TJ, Rao DSP, Prasada Rao, Christoper J O’Donnel and Battese GE. 1998.
Introduction to Efficiency and Productivity Analysis. Boston: Kluwer Academic Publishers.
Fauzi A. 2014. Efisiensi Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Periode Tahun 2011-2013. [Skripsi]. Bogor (ID): Institut Pertanian Bogor.
Hidayat R. 2014. Efisiensi Perbankan Syariah; Teori dan Praktik. Bekasi: Gramata Publishing.
Hidayat R. 2011. Kajian Perbankan Syariah di Indonesia (Pendekatan Data Envelopment Analysis). Jurnal Media Riset Bisnis & Manajemen. Vol. 11, No. 1.
Inkopsyah BMT. 2009. Laporan Keuangan Periode Juni 2009. [Internet]. [diunduh
pada 2014 September 12]. Tersedia pada
http://inkopsyahbmt.co.id/images/lap_keu/neraca_periode_juni_2009.pdf . 2009. Laporan Keuangan Periode Desember 2009. [Internet]. [diunduh pada 2014 September 12]. Tersedia pada http://inkopsyahbmt.co.id/images/lap_keu/neraca_periode_desember_20 09.pdf
. 2010. Laporan Keuangan Periode Juni 2010. [Internet]. [diunduh
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. 2011. Laporan Keuangan Periode Juni 2011. [Internet]. [diunduh
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http://inkopsyahbmt.co.id/images/lap_keu/neraca_periode_juni_2011.pdf . 2011. Laporan Keuangan Periode Desember 2011. [Internet]. [diunduh pada 2014 September 12]. Tersedia pada http://inkopsyahbmt.co.id/images/lap_keu/neraca_periode_desember_20 11.pdf
. 2012. Laporan Keuangan Periode Juni 2012. [Internet]. [diunduh
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23
. 2012. Laporan Keuangan Periode Desember 2012. [Internet]. [diunduh pada 2014 September 12]. Tersedia pada http://inkopsyahbmt.co.id/images/lap_keu/lapkeu_des2012.pdf
. 2013. Laporan Keuangan Periode Juni 2013. [Internet]. [diunduh
pada 2014 September 12]. Tersedia pada
http://inkopsyahbmt.co.id/images/lap_keu/lapkeudes2013b.pdf
. 2013. Laporan Keuangan Periode Desember 2013. [Internet]. [diunduh pada 2014 September 12]. Tersedia pada http://inkopsyahbmt.co.id/images/lap_keu/lapkeu_jun2013.pdf
[KEMENKOP] Kementrian Koperasi dan UKM. 2012. Denyut Koperasi Syariah. [Internet]. [diunduh pada 2014 Agustus 11].Tersedia pada http://www.depkop.go.id/index.php?option=com_content&view=article
&id=948:denyut-koperasi-syariah&catid=54:bind-berita-kementerian&Itemid=98
Kementerian Koperasi dan Usaha Kecil dan Menengah. 2009. Perkembangan Data Usaha Mikro Kecil Menengah dan Usaha Besar Tahun 2005-2009. [Internet]. [diunduh pada 2015 Januari 31]. Tersedia pada
http://www.depkop.go.id/index.php?option=com_phocadownload&view =file&id=391:perkembangan-data-usaha-mikro-kecil-menengah-umkm-dan-usaha-besar-ub-tahun-2005-2009&Itemid=93
Kementerian Koperasi dan Usaha Kecil dan Menengah. 2010. Perkembangan Data Usaha Mikro Kecil Menengah dan Usaha Besar Tahun 2010. [Internet]. [diunduh pada 2015 Januari 31]. Tersedia pada http://www.depkop.go.id/index.php?option=com_phocadownload&view =category&id=27:data-umkm&Itemid=93
Kementerian Koperasi dan Usaha Kecil dan Menengah. 2012. Perkembangan Data Usaha Mikro Kecil Menengah dan Usaha Besar Tahun 2012. [Internet]. [diunduh pada 2015 Januari 31]. Tersedia pada http://www.depkop.go.id/index.php?option=com_phocadownload&view =category&id=109:data-umkm-2012&Itemid=93
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Sudarsono H. 2013. Bank dan Lembaga Keuangan Syariah; Deskripsi dan Ilustrasi. Yogyakarta: EKONISIA.
24
Lampiran 1 Data sekunder input dan output yang digunakan periode 2013 Nama BMT Simpanan Pembiayaan Pendapatan
Operasional Beban Operasional L-Risma 17381346603 19974015653 6237859121 1478370746 Sanama 3061199334 5371091307 1905837529 1571265976 Al Ishlah 6355464163 5173125875 508104023 462115496 Al Hidayah 8291169902 15638437190 4141553700 1445451382 Koperasi Kartini 463028382 964882418 289579694 256765496 Mitra Amanah 651200000 4367000000 79000000 61000000 Baskara Muhammadiyah 19558827284 33652191196 7864141367 6224190808 Al-Amanah 15417070854 22654357980 5603035741 5426250212 Al Falah 27756090572 23493757693 7503953547 6738312187 As Salam 6267084000 9765309600 1024765900 842962300 Artha Amanah 3087483574 2958732745 836086269 799932659 Bina Umat Mulia 1579710548 2336131587 98133316 95594507 Shohibul Ummat 18311007524 19639580508 4434196092 4241953977 Al Hikmah 11282492180 11260123024 2859933184 2691594866 Al Amin 9535445624 7525735574 1584887755 1063182268 Melati 16846873339 22200313773 5098999068 4897948008 Mitra Usaha Mulia 10447270016 8299088111 2333880203 2258492105 Istiqomah 5846059566 7842903000 1580891870 1482987470 Kube Sejahtera 001 2570953459 2468310341 499430411 450460354 Amanah Bangunrejo 3906352533 7070495726 1125547794 941445333 Ar Rahmah 1504605728 1077981478 202648415 182349789 Surya Abadi 34038019628 34035369675 10725741667 9987625226 Smemi 486902228 3524137052 334851402 257074501 Hudatama 12373808098 19903751772 5559479797 5410051104 Sinergi Karya Makassar 993143799 279417530 144908500 117086674
Mustama 1164292018 3265614449 129392767 113858147
Amanah Ray 38507059805 38523052917 7037751046 4940999187 Babun Najah 3880881143 7134537183 1996303780 1932016514 Barokah 1732029542 3906494539 1158267913 1003389608 Ar Rahmah 6956776396 4165259882 1796244012 1003389608
25
Lampiran 2 Hasil olahan DEAP Version 2.1 Results for firm: 1
Technical efficiency = 1.000
Scale efficiency = 1.000 (crs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 19974015653.000 0.000 0.00019974015653.000
output 2 6237859121.000 0.000 0.0006237859121.000
input 1 17381346603.000 0.000 0.00017381346603.000
input 2 1478370746.000 0.000 0.0001478370746.000
LISTING OF PEERS: peer lambda weight 1 1.000
Results for firm: 2 Technical efficiency = 1.000
Scale efficiency = 0.916 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 5371091307.000 0.000 0.0005371091307.000
output 2 1905837529.000 0.000 0.0001905837529.000
input 1 3061199334.000 0.000 0.0003061199334.000
input 2 1571265976.000 0.000 0.0001571265976.000
LISTING OF PEERS: peer lambda weight 2 1.000
Results for firm: 3 Technical efficiency = 0.589
Scale efficiency = 0.576 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 5173125875.0003610654873.721 0.0008783780748.721
output 2 508104023.000 354638242.202 959213018.7881821955283.990
input 1 6355464163.000 0.000-969637692.2955385826470.705
input 2 462115496.000 0.000 0.000 462115496.000
LISTING OF PEERS: peer lambda weight 6 0.717 1 0.283
Results for firm: 4 Technical efficiency = 1.000
Scale efficiency = 1.000 (crs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 15638437190.000 0.000
26
output 2 4141553700.000 0.000 0.0004141553700.000
input 1 8291169902.000 0.000 0.0008291169902.000
input 2 1445451382.000 0.000 0.0001445451382.000
LISTING OF PEERS: peer lambda weight 4 1.000
Results for firm: 5 Technical efficiency = 1.000
Scale efficiency = 0.909 (irs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 964882418.000 0.000 0.000 964882418.000
output 2 289579694.000 0.000 0.000 289579694.000
input 1 463028382.000 0.000 0.000 463028382.000
input 2 256765496.000 0.000 0.000 256765496.000
LISTING OF PEERS: peer lambda weight 5 1.000
Results for firm: 6 Technical efficiency = 1.000
Scale efficiency = 1.000 (crs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 4367000000.000 0.000 0.0004367000000.000
output 2 79000000.000 0.000 0.000 79000000.000
input 1 651200000.000 0.000 0.000 651200000.000
input 2 61000000.000 0.000 0.000 61000000.000
LISTING OF PEERS: peer lambda weight 6 1.000
Results for firm: 7 Technical efficiency = 1.000
Scale efficiency = 0.698 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 33652191196.000 0.000 0.00033652191196.000
output 2 7864141367.000 0.000 0.0007864141367.000
input 1 19558827284.000 0.000 0.00019558827284.000
input 2 6224190808.000 0.000 0.0006224190808.000
LISTING OF PEERS: peer lambda weight 7 1.000
Results for firm: 8 Technical efficiency = 0.860
Scale efficiency = 0.712 (drs) PROJECTION SUMMARY:
27
variable original radial slack projected value movement movement value
output 1 22654357980.0003693946124.856 0.00026348304104.856
output 2 5603035741.000 913612832.514 0.0006516648573.514
input 1 15417070854.000 0.000 0.00015417070854.000
input 2 5426250212.000 0.000-284831931.5465141418280.454
LISTING OF PEERS: peer lambda weight 7 0.523 24 0.302 4 0.175
Results for firm: 9 Technical efficiency = 0.954
Scale efficiency = 0.529 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 23493757693.0001127694263.3049030739239.69633652191196.000
output 2 7503953547.000 360187820.000 0.0007864141367.000
input 1 27756090572.000 0.000 0.00027756090572.000
input 2 6738312187.000 0.000-514121379.0006224190808.000
LISTING OF PEERS: peer lambda weight 7 1.000
Results for firm: 10 Technical efficiency = 0.862
Scale efficiency = 0.536 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 9765309600.0001561883652.258 0.00011327193252.258
output 2 1024765900.000 163903160.4901476901103.0672665570163.557
input 1 6267084000.000 0.000 0.0006267084000.000
input 2 842962300.000 0.000 0.000 842962300.000
LISTING OF PEERS: peer lambda weight 1 0.146 4 0.415 6 0.439
Results for firm: 11 Technical efficiency = 0.504
Scale efficiency = 0.987 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 2958732745.0002916870170.5541276332960.3437151935875.898
output 2 836086269.000 824256635.608 0.0001660342904.608
input 1 3087483574.000 0.000 0.0003087483574.000
input 2 799932659.000 0.000 0.000 799932659.000
LISTING OF PEERS: peer lambda weight
28 4 0.291 29 0.264 23 0.445
Results for firm: 12 Technical efficiency = 0.492
Scale efficiency = 0.936 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 2336131587.0002411796983.581 0.0004747928570.581
output 2 98133316.000 101311774.060 29877396.540 229322486.600
input 1 1579710548.000 0.000-520169134.5751059541413.425
input 2 95594507.000 0.000 0.000 95594507.000
LISTING OF PEERS: peer lambda weight 1 0.024 6 0.976
Results for firm: 13 Technical efficiency = 0.707
Scale efficiency = 0.646 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 19639580508.0008141404710.160 0.00027780985218.160
output 2 4434196092.0001838154584.538 834792248.6197107142925.157
input 1 18311007524.000 0.000 0.00018311007524.000
input 2 4241953977.000 0.000 0.0004241953977.000
LISTING OF PEERS: peer lambda weight 1 0.380 7 0.583 4 0.037
Results for firm: 14 Technical efficiency = 0.558
Scale efficiency = 0.851 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 11260123024.0008915971002.690184559643.91020360653670.600
output 2 2859933184.0002264547313.011 0.0005124480497.011
input 1 11282492180.000 0.000 0.00011282492180.000
input 2 2691594866.000 0.000 0.0002691594866.000
LISTING OF PEERS: peer lambda weight 1 0.006 7 0.261 4 0.733
Results for firm: 15 Technical efficiency = 0.535
29
Scale efficiency = 0.816 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 7525735574.0006531797283.573 0.00014057532857.573
output 2 1584887755.0001375568598.057 812192031.4343772648384.491
input 1 9535445624.000 0.000 0.0009535445624.000
input 2 1063182268.000 0.000 0.0001063182268.000
LISTING OF PEERS: peer lambda weight 4 0.338 1 0.376 6 0.285
Results for firm: 16 Technical efficiency = 0.770
Scale efficiency = 0.700 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 22200313773.0006646522354.491 0.00028846836127.491
output 2 5098999068.0001526582535.613 300814194.3646926395797.977
input 1 16846873339.000 0.000 0.00016846873339.000
input 2 4897948008.000 0.000 0.0004897948008.000
LISTING OF PEERS: peer lambda weight 1 0.046 7 0.722 4 0.232
Results for firm: 17 Technical efficiency = 0.483
Scale efficiency = 0.886 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 8299088111.0008875384435.8041640479705.13618814952251.940
output 2 2333880203.0002495946994.620 0.0004829827197.620
input 1 8299088111.000 0.000 0.0008299088111.000
input 2 2258492105.000 0.000 0.0002258492105.000
LISTING OF PEERS: peer lambda weight 1 0.027 4 0.804 7 0.170
Results for firm: 18 Technical efficiency = 0.640
Scale efficiency = 0.780 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 7842903000.0004415221920.671 0.00012258124920.671
30
input 1 5846059566.000 0.000 0.0005846059566.000
input 2 1482987470.000 0.000 -33713207.2041449274262.796
LISTING OF PEERS: peer lambda weight 7 0.163 4 0.276 6 0.561
Results for firm: 19 Technical efficiency = 0.429
Scale efficiency = 0.952 (irs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 2468310341.0003279603409.5871340798932.0597088712682.647
output 2 499430411.000 663584984.254 0.0001163015395.254
input 1 2570953459.000 0.000 0.0002570953459.000
input 2 450460354.000 0.000 0.000 450460354.000
LISTING OF PEERS: peer lambda weight 4 0.255 23 0.184 6 0.561
Results for firm: 20 Technical efficiency = 0.759
Scale efficiency = 0.736 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 7070495726.0002246517762.018 0.0009317013488.018
output 2 1125547794.000 357621757.966 85862278.2211569031830.186
input 1 3906352533.000 0.000 0.0003906352533.000
input 2 941445333.000 0.000 0.000 941445333.000
LISTING OF PEERS: peer lambda weight 4 0.163 7 0.106 6 0.731
Results for firm: 21 Technical efficiency = 0.425
Scale efficiency = 0.817 (irs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 1077981478.0001455875554.1942905003848.1545438860880.349
output 2 202648415.000 273688258.579 0.000 476336673.579
input 1 1504605728.000 0.000 0.0001504605728.000
input 2 182349789.000 0.000 0.000 182349789.000
LISTING OF PEERS: peer lambda weight 6 0.913 4 0.067
31
1 0.021
Results for firm: 22 Technical efficiency = 0.911
Scale efficiency = 0.158 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 34035369675.0003338864917.988 0.00037374234592.988
output 2 202648415.000 19879780.6517010131348.6667232659544.317
input 1 34038019628.000 0.000 0.00034038019628.000
input 2 9987625226.000 0.000-4743978554.4565243646671.544
LISTING OF PEERS: peer lambda weight 7 0.236 27 0.764
Results for firm: 23 Technical efficiency = 1.000
Scale efficiency = 1.000 (crs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 3524137052.000 0.000 0.0003524137052.000
output 2 334851402.000 0.000 0.000 334851402.000
input 1 486902228.000 0.000 0.000 486902228.000
input 2 257074501.000 0.000 0.000 257074501.000
LISTING OF PEERS: peer lambda weight 23 1.000
Results for firm: 24 Technical efficiency = 1.000
Scale efficiency = 0.703 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 19903751772.000 0.000 0.00019903751772.000
output 2 5559479797.000 0.000 0.0005559479797.000
input 1 12373808098.000 0.000 0.00012373808098.000
input 2 5410051104.000 0.000 0.0005410051104.000
LISTING OF PEERS: peer lambda weight 24 1.000
Results for firm: 25 Technical efficiency = 0.578
Scale efficiency = 0.615 (irs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 279417530.000 204303469.5464354715067.4794838436067.025
32
input 1 993143799.000 0.000 0.000 993143799.000
input 2 117086674.000 0.000 0.000 117086674.000
LISTING OF PEERS: peer lambda weight 6 0.960 4 0.037 1 0.004
Results for firm: 26 Technical efficiency = 0.667
Scale efficiency = 0.823 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 3265614449.0001632816672.407 0.0004898431121.407
output 2 129392767.000 64696757.852 89715929.679 283805454.532
input 1 1164292018.000 0.000 0.0001164292018.000
input 2 113858147.000 0.000 0.000 113858147.000
LISTING OF PEERS: peer lambda weight 4 0.013 1 0.025 6 0.962
Results for firm: 27 Technical efficiency = 1.000
Scale efficiency = 0.461 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 38523052917.000 0.000 0.00038523052917.000
output 2 7037751046.000 0.000 0.0007037751046.000
input 1 38507059805.000 0.000 0.00038507059805.000
input 2 4940999187.000 0.000 0.0004940999187.000
LISTING OF PEERS: peer lambda weight 27 1.000
Results for firm: 28 Technical efficiency = 0.928
Scale efficiency = 0.826 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 7134537183.000 556341502.573 0.0007690878685.573
output 2 1996303780.000 155669052.676 0.0002151972832.676
input 1 3880881143.000 0.000 0.0003880881143.000
input 2 1932016514.000 0.000-685405735.1321246610778.868
LISTING OF PEERS: peer lambda weight 23 0.222 4 0.266 2 0.513
33
Results for firm: 29 Technical efficiency = 1.000
Scale efficiency = 0.972 (drs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 3906494539.000 0.000 0.0003906494539.000
output 2 1158267913.000 0.000 0.0001158267913.000
input 1 1732029542.000 0.000 0.0001732029542.000
input 2 1003389608.000 0.000 0.0001003389608.000
LISTING OF PEERS: peer lambda weight 29 1.000
Results for firm: 30 Technical efficiency = 0.581
Scale efficiency = 0.983 (irs) PROJECTION SUMMARY:
variable original radial slack projected value movement movement value
output 1 4165259882.0003005668958.1225373060041.27412543988881.396
output 2 1796244012.0001296177194.468 0.0003092421206.468
input 1 6956776396.000 0.000 0.0006956776396.000
input 2 1003389608.000 0.000 0.0001003389608.000
LISTING OF PEERS: peer lambda weight 1 0.124 4 0.554 6 0.322
34
35
RIWAYAT HIDUP
Penulis dilahirkan di kota Jakarta pada tanggal 8 Desember 1993 dari ayah Muhammad Said dan ibu Ayutrisna. Penulis adalah putra kedua dari empat bersaudara. Penulis lulus dari SMA Negeri 5 Bogor pada tahun 2010 dan di tahun yang sama penulis lulus seleksi masuk Institut Pertanian Bogor (IPB) melalui Seleksi Nasional Masuk Perguruan Tinggi Negeri (SNMPTN) dan diterima di Program Studi Ekonomi Syariah, Departemen Ilmu Ekonomi, Fakultas Ekonomi dan Manajemen.
Selama masa perkuliahan penulis aktif dalam berbagai kegiatan non-akademik. Penulis pernah menjadi Ketua Gathering Ilmu Ekonomi angkatan 48, dan staf divisi Bisnis di Sharia Economics Student Club. Penulis juga pernah menjadi Runner Up di Olimpiade Mahasiswa Institut Pertanian Bogor (OMI) pada cabang bulutangkis tahun 2013.