ANALISIS EFISIENSI LEMBAGA KEUANGAN MIKRO
ABSTRACT: This article discuss
about microfinance organizations. The research based on analysis of efficiency
of Badan Kredit Desa (BKD) in Sukoharjo district in Central of Java Province.
In the earlier, paper discuss about microfinance and its role in the economics
development. Analysis data use Data
Envelopment Analysis with three inputs and two outputs to analysis of financial
performance and eight inputs and four outputs to analysis of general
efficiency. This research found that
from 169 BKD used as setting in this research, only 21 BKD have efficiency in
finance performance and 73 BKD in general performance. In the future,
microfinance organizations (BKD) need innovation especially in the system which
originated in developing countries where it has successfully enabled extremely
impoverished people to engage in self-employment projects that allow them to
generate an income and, in many cases, begin to build wealth and exit poverty.
Due to the success of microcredit, many in the traditional banking industry
have begun to realize that these microcredit borrowers should more correctly be
categorized as pre-bankable; thus, microcredit is increasingly gaining
credibility in the mainstream finance industry and many traditional large
finance organizations are contemplating microcredit projects as a source of
future growth.
Keywords: efficiency,
microfinance organization, DEA
Penulis: Ihwan Susila
Kode Jurnal: jpmanajemendd070055
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