Dual banking system in Indonesia provides an excellent opportunity for the growth of Islamic banking industry in Indonesia. Islamic banking industry in Indonesia has improved in number of banks and branches but the performance of Islamic banks has decreased in recent years. This paper measures the efficiency of Islamic banking in Indonesia using the intermediation approach and the Data Envelopment Analysis (DEA) on quarterly reports of 10 Islamic Banks (BUS) and 15 Islamic Business Units (UUS). The results showed that Islamic Banks (BUS) and Islamic Business Units (UUS) in Indonesia has not been operating efficiently in its intermediation function. The estimation results of data panel regression model showed total financing and CAR have positive and significant impact, whereas the deposits have negative and significant impact to the efficiency of BUS and UUS in Indonesia.

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Abstract. Micro-business has a role of the national economy development. However, micro scale entrepreneurs face problems of limited capital. This studyto analyze the factors affecting the amount of the financing provided BMT and their impact on bussiness turnover. This research was conducted in March-April at KJKS BMT UGT Sidogiri branch Koja Jakarta. This research used a purposive sampling technique with a total of 30 respondents. OLS analysis results proved thatbusiness aset, frequency financing, installment period, and dummy businesshave significantlyeffect on the realization of financing. Meanwhile, the factors affecting the customer's turnover are business aset, amount of financing, business profit after financing, time duration of educational, time duration of business, and dummy business. Keywords: bmt, islamic microfinance institutions, micro enterprises, olsAbstrak. Usaha mikro memiliki peran dalam perkembangan ekonomi nasional. Akan tetapi, pelaku usaha mikro menghadapi permasalahan yaitu keterbatasan modal. Studi ini menganalisis faktor-faktor yang memengaruhi realisasi pembiayaan yang diberikan BMT dan pengaruhnya terhadap omzet usaha nasabah. Penelitian ini dilaksanakan pada bulan Maret-April di KJKS BMT UGT Sidogiri cabang Koja Jakarta. Penelitian ini menggunakan teknik purposive sampling dengan total responden sebanyak 30 orang. Hasil analisis dengan menggunakan metode OLS membuktikan bahwa variabel aset usaha, frekuensi pembiayaan, jangka waktu angsuran, dan dummy usaha berpengaruh signifikan terhadap realisasi pembiayaan. Sedangkan, faktor-faktor yang memengaruhi omzet usaha nasabah adalah aset usaha, jumlah pembiayaan, laba usaha setelah pembiayaan, lama pendidikan, lama usaha, dan dummy usaha. Kata kunci: bmt, lembaga keuangan mikro syariah, ols, usaha mikro