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All Journal Jurnal Ilmu Pertanian Indonesia Jurnal Komunikasi Pembangunan Jurnal Manajemen dan Organisasi Jurnal Penyuluhan Sodality: Jurnal Sosiologi Pedesaan MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Jurnal Manajemen dan Agribisnis Forum Pasca Sarjana Jurnal Kependidikan: Penelitian Inovasi Pembelajaran Jurnal Ekonomi : Journal of Economic Jurnal Keuangan dan Perbankan Jurnal Pekommas JAM : Jurnal Aplikasi Manajemen Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Ad'ministrare: Jurnal Pemikiran Ilmiah dan Pendidikan Administrasi Perkantoran Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Manajemen Teori dan Terapan Warta IHP (Warta Industri Hasil Pertanian) Jurnal PIKOM (Penelitian Komunikasi dan Pembangunan) International Research Journal of Business Studies (E-Journal) Jurnal ASPIKOM Albacore : Jurnal Penelitian Perikanan Laut Buletin Ilmiah Litbang Perdagangan Aktualita Manajemen Jurnal Penelitian Perikanan Indonesia JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Sosial Ekonomi Kelautan dan Perikanan JABE (Journal of Applied Business and Economic) KEK (Kajian Ekonomi dan Keuangan) Business Innovation and Entrepreneurship Journal JMB : Jurnal Manajemen dan Bisnis Agro Bali: Agricultural Journal Academia Praja : Jurnal Ilmu Politik, Pemerintahan dan Administrasi Publik Randwick International of Social Science Journal Jurnal Risalah Kebijakan Pertanian dan Lingkungan Ilomata International Journal of Social Science Devotion: Journal of Research and Community Service International Journal of Multidisciplinary: Applied Business and Education Research International Journal of Economy, Education and Entrepreneurship (IJE3) International Journal of Social Service and Research Interdisciplinary Social Studies Diversity: Jurnal Ilmiah Pascasarjana Jurnal Sains Terapan : Wahana Informasi dan Alih Teknologi Pertanian Jurnal Jaminan Kesehatan Nasional Jurnal Ad'ministrare Business and Entrepreneurial Review Journal of Social Science Bulletin of Social Informatics Theory and Application Jurnal Penelitian Pendidikan Indonesia Policy Brief Pertanian, Kelautan, dan Biosains Tropika Jurnal Standardisasi

Musa Hubeis

Department Of Management, Faculty Of Economics And Management, Bogor Agricultural University Jl. Kamper, Wing 4 Level 5, Campus Of IPB Darmaga Bogor 16680

Author-ID : 283003

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Physics Public Health Social Sciences Veterinary Other

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Prospek Ekonomi dan Strategi Pengembangan Kapas Rami Sebagai Bahan Baku Alternatif Industri Tekstil Skala Usaha Kecil (Kasus Koppontren Darussalam, Garut-Jawa Barat) Ano Juhana; Musa Hubeis; Nora H. Pandjaitan
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 2 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

The textile industry has a role in the non-oil export of Indonesia. Cotton is the main raw material of textile and products of textile (TPT) in Indonesia. Ninety-nine percent of the domestic needs of cotton is imported from Australia, America and China. The Pondok Pesantren Darussalam Co-operation (Koppontren) has been one of the developers of rami fiber since 1998. The objectives of this study is to assess the description of rami fiber, the economic prospect and its development strategy, as well as to identify internal and external factors influencing its production strategy as the alternative raw material of the textile industry, in order to decrease dependency on import, which has become very high and difficult to obtain. The methods of analysis used were a technical survey using questionnaire, a descriptive analysis, a ratio analysis, and the Strengths, Weaknesses, Opportunities and Threats (SWOT) qualitative analysis. From the descriptive analysis it has been found that (1) the raw material of rami cotton has some advantages, such as resistant to bacteria and fungi, better water absorption, a stronger pull, and better social economic impact; (2) The ratio analysis of the financial report is based on (a) the liquidity rate, covering the Current Ratio (CR) of 1.57, the Quick Asset Ratio (QAR) of 1.41, and the Net Working Capital (NWC) of 0.58; (b) the Solvability Ratio, covering Debt to Asset Ratio (DAR) of 0.08, and the Equity Multiplier of 1.09; (c) the Activity Ratio, covering the Inventory Turn Over (ITO) of 26.7, and the Total Asset Turn Over (TATO) of 0.49; (d) the Profitability Ratio, covering the Profit Margin (PM) of 0.08, the Return on Asset (ROA) of 0.04, and the Return on Equity (ROE) of 0.04; (3) The SWOT qualitative analysis showed the following internal and external factors: (1) Strengths (S): good financial performance and adequate raw material; (2) Weaknesses (W): weak manpower, old production equipment, and simple management; (3) Opportunities (O): availability of market share, product development and government policy; (4) Threats (T): no SNI standard, business competition and low price of imported rami cotton. The analysis resulted in an alternative strategy, such as a combination of (1) “SO”: good financial performance because this has created profit, and availability of raw material for adequate production; (2) “ST”: deciding production cost, and increasing quality of rami cotton; (3) “WO”: development of manpower through training, improvement of production technology, and effectiveness of managerial system in running the business; (4) “WT”: business strategy by focusing on certain grades of products, developing a wider partnership with others, and investing production equipment.

Kajian Perilaku Konsumen terhadap Strategi Pemasaran Teh Herbal di Kota Bogor E. Srivishnu Herlambang; Musa Hubeis; Nurheni Sri Palupi
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 2 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

The purpose of this study is to know the general behavior of the consumers of herbal tea in Bogor; In particular aims to: (1) Identify the internal factors that include a consumer culture and the psychological factors that influence the purchase decision process product herbal tea products by consumers, (2) Identify and analyze factors in the process of product purchase decisions by consumers herbal tea, (3) Identify the behavior of consumer product marketing strategy of herbal tea. This study was conducted at the outlets own by PT. Liza Herbal International (LHI), in the city of Bogor. The population in this study is everyone in Bogor that consume their herbal tea product. Sampling is done by accidental sampling method, namely the consumers of herbal tea that is found across the research area (outlets that sell products herbal tea production by Liza Herbal). From 23 outlets located in the city of Bogor, each outlet is taken five respondents; a total of 115 respondents. This study used descriptive methods and analytical analysis, especially principle component analysis. Based on the analysis of three major components obtained the most influence the purchase decision process of herbal tea are variable price, brand and variable of the womb. The mixture marketing strategy needed that can be done are (1) Maintain and improve the quality of herbal tea (2) The discounted price for a certain number of purchases, (3) Promotion and products through the exhibition website and (4) Service is ready and to ensure continuity between the availability of herbal tea. Development of product strategy marketing herbal tea that can be done with the company's strategy is Strengths, Weaknesses, Opportunities and Threats (SWOT) analysis as follows: SO strategy are (a) increase the productivity of marketing network and (b) improvement of service, strategy ST are (a) improve and maintain the quality of the resulting product, (b) increase cooperation and mutually beneficial partnership with the farmers plant and herbal industry similar, WO strategy are (a) the production costs by increasing efficiency, especially in the procurement of raw materials, (b) Diversification of products, and strategies WT are (a) increase production technology and quality with the standard of quality desired by the market, (b) improve the distribution channel.

Kelayakan dan Strategi Pengembangan Usaha Silo jagung di Gapoktan Rido Manah Kecamatan Nagreg Kabupaten Bandung Elvirysma T. Nainggolan; Musa Hubeis; Deddy Muchtadi
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 1 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

Corn silo business of Rido Manah Farmer Groups is one of 56 units of corn silo that was developed by the Department of Agriculture. This research aimed to (1) identify and analyze the feasibility of business development in corn silo of Rido Manah Farmer Groups, (2) identify the internal and external factors affecting business development in the corn silo of Rido Manah Farmer Groups, (3) determining the appropriate strategy of business development of corn silo at farmer group.Data collection method used was the primary and secondary data were conducted through literature search, documents and reports of related institutions. Analysis reveals that of average farm productivity of farmers obtained from Farmers Group was slightly higher (4.59 tons/ha) compared to non-member farmers group (4.29 tons/ha). Size of farm management efficiency could be viewed by using the coefficient of revenue and expense ratio (R/C). R/C Farmer Groups (1.82) as well as non members (1.71) was greater than one, this indicated whether or not affiliated with Farmer Groups, Corn farming remain efficient and profitable, because the reward obtained was still higher than the costs. Corn silo business of Rido Manah farmer groups had been well implemented. BEP was 1.646,38 tons/year;B/C ratio was 1.07; PBP was 2,78 years; NPV with Discount Factors (DF) 14% was Rp. 127.019.755,6 and IRR was21%. Those values showed that the corn silo business managed by Rido Manah Farmer Group was feasible. Sensitivity analysis showed that investment in the business unit of corn silo was vulnerable to an increase and decrease in corn prices where the value of eligibility criteria was not feasible. The total value of internal strategic matrix3.013,meaning that the business unit of Corn silo Rido Manah Gapoktan had this high internal factors and external strategic matrix in total of 3.019 showed the response given by the corn silo business of Rido Manah farmer groups to the external environment was high. The best strategic alternative analysis obtained 6 most effective strategic business performed by silo corn which link by (1) establishing partnerships, (2) increasing the role of managers, (3) developing of process of corn products, (4) active collaborating, (5) increasing the capacity of equipment and machinary, and (6) increasing production and productivity of corn farmers.

Kelayakan dan Strategi Pengembangan Usaha Kelompok Pembudidaya Ikan Melalui Program Replika Skim Modal Kerja di Kelompok Tani Ikan Mekar Jaya Lido, Bogor Rini Andriani; Musa Hubeis; Aris Munandar
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 1 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

The working capital scheme is a program which provides integrated capital to enhance management capacity through assistance and training to lift the potential of aquaculture of household and small medium scale industries, to increase product quality and quantity and farmers’ welfare. The objectives of this study are (1) to identify the implementation of Mekar Jaya aquaculture as the working capital receivers, (2) to identify the realization of the working capital scheme, (3) to analyze the feasibility especially the benefit of Mekar Jaya aquaculture, and (4) to arrange the right strategy of the business development applied to aquaculture, both individual and group. The descriptive method was used to analyze and interpret the group profile, market prospective, and group finance related to fish woof. The qualitative analysis was used to describe the management, technical and production aspects as well as marketing. The quantitative analysis was used to study the feasibility of investment. As a receiver of the working capital scheme, Mekar Jaya aquaculture has implemented it well. The analysis of the feasibility of investment showed that the break-even point (BEP) of Mekar Jaya group was 423 kg of fish per month, or Rp 3.172.500, while the actual sale was 1.352 kg or Rp 10.140.000. This shows that the group has passed the BEP, and gained profit. The internal factor of 2.783, and the external matrix of 2.432 put the group performance in the Hold and Maintain position (quadrant V). Based on the Strengths, Weaknesses, Opportunities and Threats (SWOT) matrix, some alternative strategies can be implemented by integrating internal and external environment, which are (1) managerial skills, (2) marketing, (3) partnership, and (4) finance.

Strategi Pemberian Fasilitas Kredit Modal Kerja kepada Pengusaha Industri Kecil Menengah Berorientasi Ekspor (Kasus di BNI Jakarta) Yudha Iman Sulistya; Musa Hubeis; Fransiska Rungkat Zakaria
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 1 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

In the middle of 1997 Indonesia’s economic was destroyed by a long economy crisis which had influenced the US foreign currency (USD) against Rupiah (IDR). On the other side, Small and Medium Enterprises (SME) still survives and grows absorbing more than 35 million labors active in agriculture sectors. Up to this time, almost 60% of domestic earnings bruto comes from SME commerce and agriculture. SME is expected to expand, from what initially in the form of a small industry unit into a middle industry unit and hereinafter become a big industry unit. Along with the growth of entrepreneurs of SME, the number of absorbed labors also increased equal to 20% per year consisting of small industries 15,9% and middle industries 4,1%. The objective of this research is to analyze the characteristic and behavior of SME having effect on financial pattern, study constraints in giving working capital loan, determining financial pattern according to characteristics of SME, and also compile strategy for BNI in improving market compartment and facing competition in banking industry. Data analysis was done with methods of descriptive qualitative and analysis of strenghts, weaknesses, opportunities and threats (SWOT). According to the responses stated in the questionnaire by the clients of BNI, 84.5% expressed that working capital loan was proper to SME’s, 82,5% expressed easy access to bank and there was relationship between bank and SME’s important. Meanwhile 77,5% expressed constraints in distribution and application of working capital loan from BNI.According to the analysis of chi square with db = 14, and expected result frequency (fh), working capital loan was proper to UKM with highly significant effect with chi square = 26,72, and easy access to bank influenced the distribution of working capital loan to UKM with highly significant effect with chi square = 25,48. There were constraint in distribution of working capital loan which was also highly significant with chi square = 28,55. The results of total and internal strategic factor score and strategic factor score of external with total score of IFAS = 2,55 and EFAS = 2,30 by matrix of IE indicates that BNI resides in condition of growth or of stability. The result of SWOT analysis, showed that there were alternative strategies to improve BNI performances, including : opening more center of SMEs credit (SKC) in and outside Java, cooperation with local government and upgrading services

Kajian Preferensi Konsumen Rumah Tangga Terhadap Beras Organik di Wilayah Kota Bogor Jimmy Rusma; Musa Hubeis; Budi Suharjo
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 1 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

Organic rice is an agricultural product which uses the system of organic diversification, is good for our health because it has no dangerous chemicals compared to other rice, has a specific aroma, does not easily go bad, and is tasty. Because of its high price, only people of the middle to upper classes can afford to buy it. It is expensive because it is chemical free, healthy, does not contain pesticide and farmers do not use inorganic fertilizers to grow it. The general objective of this study is to understand why people in Bogor buy organic rice. Specifically, this study is (1) to identify the factors influencing the consumers’ decision in purchasing organic rice, (2) to evaluate the decision process to consume organic rice, and (3) to analyze the consumers’ behavior in order to organize the producer’s marketing strategy of organic rice. The study was conducted at Lembaga Pertanian Sehat (LPS) in Bogor. Accidental sampling was conducted by interviewing 50 selected respondents who are consumers of organic rice. Primary and secondary data were obtained through related literature and interviewing respondents through questionnaires. The method of study used was the descriptive and quantitative analysis, using the Principal Component Analysis (PCA). The data processing and analysis were conducted by using Microsoft Excel (tabulation, matrix correlation and Minitab V.10). Consumers purchase organic rice through identification of needs, information search, alternative evaluation, buying process, and behavior after purchase. If a respondent frequently purchases organic rice, he may not go through the process mentioned above. Their need is health, the motivation to buy is the reasonable price, the stage of information search is usually through friends at work, neighbors, and self-initiative, in the alternative stage, the primary consideration is taste, in the buying stage it is the supply at home, and the nearness of location to buy it. The average expenditure of organic rice is Rp 100,000-Rp 125,000 for four persons in a family. Six main variables influencing the purchase of organic rice are the quality, promotion, price, influence of friends and families. The qualitative marketing strategy developed by producers covered products, price, promotion, and location. The marketing strategies were (1) product, (2) price, (3) promotion, and (4) location

Hubungan Nilai-Nilai Islami, Budaya dan Kinerja Sumber Daya Insani Bank Muamalat Indonesia Poppy Novita Pasaribu; Musa Hubeis; Endang Gumbira Said; Aji Hermawan
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 6 No. 1 (2011): Manajemen IKM
Publisher : Institut Pertanian Bogor

The objective of this reseach is to find out these following matters: the influence of pray essential toward the work culture, the influence of work culture toward human resource (HR) performance, the influence of pray essential toward HR performance and the indirect influence of pray essential toward HR performance in work culture. This study takes place in Bank Muamalat Indonesia (BMI). Respondents are collected by purposive sampling method. Data collection through questionnairy with Likert scale and literature study. Data analysis used for this research is Stuctural Equation Modeling (SEM) technique. Factors of pray essence consist of 6 (six) variables, they are concentrate, understanding, respect, terrified and adore, hope for mercy and bless and embaress for carelessness. Factors of work culture are individual initiative, risk job tolerate, supervision, integration, management support, control, identity, compensation, conflict toleration and communication pattern. Factors of HR performance are job knowledge, job quality, initiative, teamwork, absence and time resource responsibility. The results show, there is a significant influence of pray essential toward work culture, there is a significant influence of work culture toward HR performance, there is a significant influence of pray essential toward HR performance, and there is no direct influence of pray essential, based on work culture toward HR performance. By understanding the variables that influences BMI pray essential, work culture and HR performance, the stakeholders can use the information to make improvement to gain sustainaibility of business

Kajian Pembinaan, Pengembangan dan Pengawasan UKM Binaan PT Sucofindo Musa Hubeis
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 5 No. 1 (2010): Manajemen IKM
Publisher : Institut Pertanian Bogor

Small and Medium Enterprises (SMEs) are 99.9% of total businesses in Indonesia. Mapping/clustering potential of SMEs that built in accordance with the conditions of the region/administrative, potential resources (commodities) and business units (production centers and groups) can be used as an indicator and the benchmark for guidance, development and supervision in order to strengthen the spine and the national economic structure. Objectives of the study are (1) identify potential SMEs that built in accordance with business information and problems encountered; (2) compile a database of selected target SMEs in the form of statistical profiles that are relevant to the purposes of guidance, development and supervision (success indicators and critical); (3) develop a standard model or alternative development, SMEs development and built a successful surveillance with the potential clustering patterns (base development) in accordance with local circumstances, and economic sectors. In this study used techniques: (1) desk research of secondary data sourced from SMEs that built by PT. Sucofindo and literature on SMEs-related studies conducted; (2) a brief survey to the selected SMEs locations from the point (1) purposively to obtain primary data as a verification activity that is supported by effective semi-structured questionnaire. Data analysis carried out descriptively, both qualitative and quantitative. From the study guidance, development and supervision of SMEs that built by PT Sucofindo available facts and data (information business, determinants, the feasibility of the business sector, loan repayment status and conceptual models) that SMEs that built can be categorized pre-enterprise SMEs and businesses running. Business grouping determines the smoothness of debt servicing. Therefore, in order to establish indicators of the model guidance, development and supervision in accordance with the type of SME, then the PT. Sucofindo requires an assessment system that is easy, fast, accurate, reliable and trustworthy, that can later be used as an effective guide for guidance, development and supervision of SMEs in general and in particular SMEs that built by PT. Sucofindo used a generic approach in business performance indicators that are supported by indicators of business drivers. Model guidance, development and supervision SMEs that has done so far by PT. Sucofindo still be reliable, but for the speed and feasibility of the establishment of SMEs which will be built into the front according to selected economic sectors, would be equipped with an approach that resulted in the studies of guidance, development and supervision, namely the general model of guidance, development and supervision of SMEs that built based on SMEs that built issues, systems of SMEs that built, assumptions, conceptual models and variables that can be measured. Guidance, development and supervision of SMEs that built, with potential cluster approach can be performed on: (1) category of solid natural resources, when positioned on the outskirts of the city and labor intensive, when positioned in the center of town; (2) technical assistance and competency-based according to the phase business. Both of the thing are helping improve the performance and structural improvement of SMEs, increase their competitiveness and resilience of SMEs supported by the core business, supporting business and related businesses intensively interconnected

Kelayakan dan Strategi Pengembangan Usaha Pembudidayaan Tanaman Hias di Kompleks Perumahan Bekasi (Kasus Usaha Tanaman Hias Adenium pada Lahan Terbatas) - Adelita; Musa Hubeis; Darwin Kadarisman
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 5 No. 1 (2010): Manajemen IKM
Publisher : Institut Pertanian Bogor

Decorative Plant business is relative newly and in this time is to be developed. Development of decorative plant business in the future having bright enough prospect, because enthusiasm to this plant more increasing. Business decorative plant have opportunity to be developed and improved with intensification and extensification, now days start to be developed by rent of decorative plant in the hotels. From the other of decorative plant which exist in Indonesia, Adenium is most like decorative plant. Adenium is very popular among hobbies. This matter is caused uniqly and bright color. Activity of Adenium is have a problems, which is technical problem of conducting and marketing That problem causing productivity become to lower in produce Adenium and quality, but for farmer in the Bekasi problem is added by limited place cause land is so expensive price. According to the matter has been done by Feasibility and Strategy Development of plant in Real Estate of Bekasi, with : (1) analyze the feasibility of decorative plant of Adenium, (2) compiling strategy development in improving sale of decorative plant Adenium. This study is has been doing in real estate of Bekasi, with four responder merchant of decorative plant Adenium. Using method study is descriptive analysis, analysis Feasibility study (BEP, B/C Ratio and of Payback Period) and Strengths, Weakness, Opportunities and Threats (SWOT) analysis. From financial analysis result indicate that the business decorative plant of Adenium if feasible to be implemented in limited pace because can give advantage in payback period 7.47-22 months and get value of Rp. 3.121.665 - Rp. 3.813.750. While strategy able to be done by using marketing strategy by marketing mix, that is strategy product, price, promotion and place.

Evaluasi Kinerja Lembaga Keuangan Mikro Swamitra Mina dengan Pendekatan Balanced Scorecard (Studi Kasus di Kabupaten Bantul, Yogyakarta) Panca Dewi Setyarini; Musa Hubeis; Darwin Kadarisman
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 5 No. 1 (2010): Manajemen IKM
Publisher : Institut Pertanian Bogor

To overcome the problem of coastal community poverty, since 2001, the Directorate of Coastal Community Empowerment, Ministry of Marine Affairs and Fisheries developed the Coastal Community Economic Empowerment. The main activity of this program is to distribute the Productive Economic Fund (PEF) to the coastal community groups using the revolving fund scheme. Since the Bad Debt Ratio (BDR) was high, started 2004, the PEF has function as collateral to the Bukopin Bank under Swamitra Micro Finance scheme. The study was done in Bantul District, Yogyakarta to evaluate the performance of this institution, with main objectives are (1) to analysis the performance of Swamitra Mina Micro Finance using Balanced Scorecard (BSC) Approach; (2) to define the score of the Swamitra Mina Micro Finance Institution (MFI) criteria using BSC; (3) to analysis the affectivity of Swamitra Mina as the alternative MFI for coastal community. The data analysis includes: (a) MFI analysis using BSC approach; (b) the value of micro finance; (c) the efectivity analysis of the existence of Swamitra Mina based on community perception especially in credit mechanism, amount, duration, the interest rate, etc. The study showed that in 2006 – 2007, the financial ratio fulfilled the minimum IFAD standard. The Ratio of Return on Equity (ROE), Financial Self sufficiency (RKK), Return on Asset (ROA) and arrears in 2006 were 180,37%, 159,66%, 4,7%, 1,41% respectively and in 2007 were 220,9%, 202%, 10,61% and 2,6% respectively. Based on the debitur perspective, the highest customer satisfaction score after sale aspect is 3,94 on the average and the average customer satisfaction indexs is 3,5. The result of the perpective analysis in internal bussiness process showed that the time duration of the credit process suited to the standard time (3 days on the average) and the precise target to the coastal community was 96%. Based on the lesson and the growth perspective, the quality of human resources increased through the various training and manager sertification. The scoring criteria of the MFI performance evaluation showed that the financial perspective score was the highest (52%) contributed by the financial report sub criteria (35%) with performance indicator report of profit and deficit (17,5%) and the balance report (17,5%). The average of customer satisfaction index to evaluate the MFI efectivity was 3,53 meaning that the MFI was effective. The increasing number of debitor, and also the amount of credit and saving during the year of 2006-2007 indicated that the existence of MFI may functioned as the alternative institution to serve the capital for the the coastal community

Co-Authors - Adelita - Amrullah - Aslichan - Rohayati Abal Karima Abdul Kohar Irwanto Abizar Giffari Thahir Achmad Mustafa Kamal Adeni, Susri afrian destama Agus Heri Purnomo Agus Maulana Agus Maulana Agus Susilo, Dwi Ahmad Sulaeman ahmad yani Aida Vitayala S. Hubeis Aji Hermawan Aji Hermawan Aji Hermawan Aldi Cahyanugroho Aminah, Mimin Amir Tengku Ramly Amiruddin Saleh Anas Mutakin Andrian Andrian Anggraini Sukmawati Anisa, Norna Annisa Milana Ano Juhana Arfian Muslim Arief Daryanto Arif Imam Suroso Arif Rahman Saleh Arif Satria Ariharti, Mira Astuti Arina Nur Farida Aris Wijayanto Asep Rakhmat ASEP SAEFUDDIN Asri Delmayuni Audia Kalbila Ayu Nuh Aurora Nadhia Bagus Putu Fabio Bahukeling, Trukan Sri Basita Ginting Basita Ginting Sugihen Bayu Koen Anggoro Bintang Akbar MB Bremanti, Lisa Budi Prasetyo Budi Purwanto Budi Suharjo Budi Supriyatno Bufara, Diqdar Satya Bungaran Raymond Titus da Costa, Yosefine Dadang Sukandar Dany Alifah Irawati Darwin Kadarisman Darwin Kadarisman Darwis Sunandar Daryl Januar Isya Dasairy, Zulfa Sania Deddy Muchtadi Deden Taufik Komara Deni Achmad Soeboer Deni Deni Devi Sonalia Dewi Rachmayanti Dewi Sulistyani Dewi, Ani Rahayuni Ratna Dewi, Farida Ratna Dewi, Mariena Dewi, Wiwi Kania Dian Pratomo Dian Setyawati Dian Wulandari Diqbal Satyanegara Diyanti Diyanti Djuara P Lubis Dwiyanti, Rizda E. Srivishnu Herlambang Eka Intan Kumala Putri Eko Ruddy Cahyadi Elvirysma T. Nainggolan Emma Rahmawati Endang Gumbira Said Enrico Annas Eriyatno . Ervina, Cordelia Etty Riani Ety Yuliaty Euis Sunarti Fadzriani Nur Faqih Udin dan Jono M. Munandar Meivita Amelia FARAH FAHMA Farid M. Afandi Firdaus Budhy Saputro Fransiska R Zakaria Fransiska Rungkat Zakaria Gauzi, Sami Gendut Suprayitno Gendut Suprayitno Gendut Suprayitno Ginting, Agustina Pertisia Giyatmi Giyatmi Gunadi Sindhuwinata Gunawan Tangkilisan Hajirin Hardiana Widyastuti Hari Wijayanto Hari Wijayanto Hartoyo Hartoyo Hartrisari Hardjomidjojo Hasan Supriadi Herien Puspitawati Heru Subiyantoro Heti Mulyati I Nyoman Suisnaya Ida Ayu Putu Sri Widnyani Idqan Fahmi Ignatius Jeffrey Ika Yuliasari Illah Sailah Iman Santoso Indaryanto, Adrid Indupurnahayu Indupurnahayu, Hj. Intan Zania Irpan Ripa’i Sutowo Irvian Syahbani Irwondy Irwan Irwan Iwan Armawan Janita Meliala Jaya, Muhammad Nur Jayawarsa, A.A. Ketut Jimmy Rusma Johan, Ria Susanti John Kennedy Thesia Joko Affandi Joko Affandi Josy Adiwisastra Juniawati , Suci Karno Khaeruman Komar Sumantadinata Kurniadewi, Yogtavia Indah Lanjarsih Lanjarsih Lanny Syamsir Lasmaida Gultom Lidya, Febby Lisa Rosiana M A Faishol Zuhri M. Joko Affandi M. Joko Affandi M. Joko Affandi M. Joko Affandi M. Syamsul Maarif MA Faishol Zuhri Ma'mun Sarma Machfud Sidik Mahdane, Afri Mardijja, Waladan Marjania Ayu Azizah Maruli Tua Sihombing Maryani Yani Masrukin Masrukin Mayasari, Yiyis Minaldi Loeis Moh Faqih Dwi Saptaji Muhammad Syamsun Muhammad Syamsun Muhammad Syamsun Mukhamad Najib Mukhammad Najib Muksin, Muksin Munandar, Aris Nancy Yusnita Nancy Yusnita Nancy Yusnita Niar Yuniarsih Nilamsari, Natalina Nimmi Zulbainarni Ninuk Purnaningsih Nopi Hidayat Nopi Hidayat Nora H. Pandjaitan Novijanti, Erma Nunung Nurhayati Nur Asyik, Mochamad Nur Hadi Wijaya Nur Hadi Wijaya Nur Hidayati Nurcomariah Nurhasanah Nurhasanah Nurmala Katrina Pandjaitan Nurul Dwi Prihutami Nurul Dwi Prihutami, Nurul Dwi Ovriyadin Palupi, Nurheni Sri Panca Dewi Setyarini Partogi S. Samosir Parulian Hutagaol Peinina Ireine Nindatu Poppy Novita Pasaribu Prabowo, Aji Patra Aria Pudji Muldjono Pudji Muljono Puji Muniarty Purwaningrum, Cucu Rina Purwanto, Budi Putri Fika Hidayansyah Putri, Revina Devitani Rachmayanti, Dewi Rahmat Darmawan, Rahmat Rilus Kinseng Rimawan, M Rinaldi, Ricky Rini Andriani Rio Kartika Supriyatna Rohmatul Umah Rudi Laksono Sadikin Kuswanto Sadikin Kuswanto Sadu Wasistiono Saefurrohman, Asep Saleh, Amirruddin Santoso Budi Widiarto Santoso, Hudi Sapta Raharja Saripudin Saripudin Saripudin Saripudin Saripudin Satyanegara, Diqbal Serly Silviyanti Setiadi Djohar Setiadi Johar Setyo Susilo Shoffan Nizomi Suparman Sihombing, Maruli Tua Singmin Johanes Lo Siti Jahroh Siti Kipdiyah Siti Maharani Chairunnisa Sjafri Mangkuprawira Slamet, Alim Setiawan Subakir, Andi Agus Sudradjat Sudradjat Suhartono . Suhartono . Sukarna, Anton Sukiswo Dirdjosaputro Sumardjito, Herry Sumunar Jati Sundoro, Bagus Yudo Suratni Suratni Suryahadi Suryahadi (Suryahadi) Susi Handayani Susi Handayani Susilo Wibowo Tantri Wijayanti Tatik Yuniarti Tatik Yuniarti Taufik Hidayat Tb. Nur Ahmad Maulana Titien Yusnita Titin Mahardini Tjahja Muhandri Tjahya Supriana Trista Fristovana Vera Nora Indra Astuti Wahyu Budi Priatna Wahyu Fikri Radhian Wati, Sri Anggun Kemala Wenda, Datina Windy Putri Arianti Wine Widiana Wini - Trilaksani Wisman Indra Angkasa WULANDARI Yenny Oktavia Yosep Rizal Yudha Iman Sulistya Yuli Rohmalia yusnita, nancy Zeany Cahyari Ginting Zulkarnain Zulkarnain

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