Analisis Kinerja Keuangan Bank Syariah Mandiri Dan Bank Muamalat Indonesia Periode 2007 008 (Dengan Pendekatan PBI No. 9/1/PBI/2007)

Sari, Dian Puspita (2011) Analisis Kinerja Keuangan Bank Syariah Mandiri Dan Bank Muamalat Indonesia Periode 2007 008 (Dengan Pendekatan PBI No. 9/1/PBI/2007). S1 thesis, STIE Indonesia Banking School.

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Abstract

Bank credibility could be seen from its financial performance. Two biggest sharia bank in Indonesia are Bank Muamalat Indonesia and Bank Syariah Mandiri. Bank Muamalat Indonesia is the first sharia bank in Indonesia which is already exists for about nineteen years and always gives good performances for their customers. Bank Syariah Mandiri is owned by Bank Mandiri and supported with great capital and good operational-standard This research aims to figure out financial performance of those two banks for period 2007 to 2008. The analysis and the computation in this research based on the Regulation of Bank Indonesia No. 9/1/PBI/2007 comprising the assessment system of the soundness of Islamic bank in Indonesia, including: capital, quality of productive asset, management, earning, liquidity and also sensitivity to market risk (CAMELS). This research is a quantitative research using descriptive analysis Based on the Regulation of Bank Indonesia No. 9/1/PBI/2007, CAMELS for sharia bank partially used for: 1.The capital or solvability ratio uses to estimating bank performance on covering unexpected risk. 2.The productive asset rasio uses to figure out the bank’s asset condition, how much the bank’s profit is, and to anticipating the default risk or credit risk which will be happen. 3.Management ratio uses to figure out the bank’s management condition. It is measured by fit and proper test which is held by central bank, legal institution, or the bank itself. 4.Rentability ratio uses as a tool to measure effort-efficiency rate and bank ability to gain a profit. 5.Liquidity ratio uses to analyze the bank ability to pay their liabilities. 6.Sensitivity to market risk uses to estimating the bank ability on anticipating the market risk which is caused by exchange rate’s movement. However, this research only analyze the financial aspect from the sharia bank, without analyzing the management aspect. The study result show that Bank Syariah Mandiri and Bank Muamalat Indonesia’s financial performances are in a good and strong condition Keyword: financial performance, CAMELS of sharia bank, quality of productive asset, earning, liquidity, sensitivity to market risk.

Item Type: Thesis (S1)
Subjects: H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions: KODEPRODI61201#Manajemen
Depositing User: Mrs. Deli Apsa
Date Deposited: 09 Oct 2020 04:38
Last Modified: 09 Oct 2020 04:38
URI: http://repository.ibs.ac.id/id/eprint/1524

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