KEBERHASILAN KINERJA USAHA LEMBAGA KEUANGAN MIKRO SYARIAH BAITUL MAAL WAT TAMWIL L-RISMA (LKMS BMT L-RISMA) DI PROVINSI LAMPUNG

Abstract

This study aims to analyze: the non-financial performance based on Performance PRISM method, financial performance based on ministry regulation, financial performance based on RGEC method, and the development strategies of BMT L-Risma. This research is a case study. The data collection was conducted in August 2015. The results showed that the financial performance of BMT L-Risma assessed using a standard cooperative in 2013 and 2014 resulted in less healthy predicate. Meanwhile, the assessment of financial performance assessed using RGEC method showed predicate of less healthy in 2013 and quite healthy in 2014. The nonfinancial performance of BMT L-Risma showed that total index value was 6.38 of 10.  Ten KPIs were in yellow category, 11 KPIs in red, and 18 KPIs in green category. The development strategy of BMT L-Risma based on strategic priorities with three highest scorest were: improving quality and quantity of human resources by providing training, optimizing service and coaching business members to increase members’ loyaly and interest in utilizing financial products, and increasing service efficiency by adding competence of lending division management in mapping potential customers.

Key words : development strategies,  financial performance, non-financial performance, performance prism