ANALISIS KINERJA KEUANGAN PADA PT BANK MUAMALAT INDONESIA, Tbk.

Budiati, Nian (2009) ANALISIS KINERJA KEUANGAN PADA PT BANK MUAMALAT INDONESIA, Tbk. Other thesis, University of Muhammadiyah Malang.

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Abstract

Keyword : (Financial Performance, Health of Banking, CAMELS) This research was background by the phenomenon of world rise bank. Nowadays, many of them use syariah basis, one of the example that have pure basic syariah is PT. Bank Muamalat Indonesia, Tbk. which has a lot of branch spreading in all Indonesia. One of the first times, bank build in Indonesia with main philosophy of sharing, to make a fair and transparent of economic activity. Accounting performance in bank industrial that mentioned in circular letter Number 26/5/BPPP date may 29th 1993 regulate about the manner of accounting performance. The method health of bank was known by the method of CAMELS. The health of bank is very important for the other side that involving inside and Bank of Indonesia to know that the bank is health or not. In analyzing ratio, accounting performance that has been model to have each purpose to reach, the important thing in ratio accounting performance understands the purpose from the use of ratio Capital, Asset, Management, Earnings, Liquidity, and Sensitivity of market. From the 6th aspects above have different criteria in valuing the health of bank level that appropriate to the standard of BI Skep DIR-BI Number 32/2/UPPB/1997 SE Number 30/23/UPPB/1998. Purpose from this research is to know the activity of accounting performance of work in PT Bank Muamalat Indonesia, Tbk. period 2005-2008. Ratio that used is CAMELS which existing from the aspect of ratio Capital that used is CAR (Capital Adequacy Ratio), Kualitas Aktiva Produktif that used is KAP1 and KAP2, Management aspect can be seen on general management, risk of management, the obey of bank, from the Rentability of aspects use is ROA (Return On Asset), BOPO (Biaya Operasional terhadap Pendapatan Operasional), from aspect of Liquidity use is LDR (Loans to Deposit Ratio), last but not least is from sensitivity aspect ratio that use is MR (Market Risk). After we analyzed those ratio aspect, next step is count and compare the result of ratio by valuing standard Bank of Indonesia. The result from analyzing ratio of CAMELS in 2005-2008 to PT Bank Muamalat Indonesia, Tbk. the writer wants to conclude that PT Bank Muamalat Indonesia, Tbk. have health accounting of performance. It prove from the accounting result according to ratio of CAMELS which comparing to the standard that Bank of Indonesia that PT Bank Muamalat Indonesia, Tbk. had passing the main standard.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Management
Depositing User: Anwar Jasin
Date Deposited: 02 Apr 2012 07:08
Last Modified: 02 Apr 2012 07:08
URI: http://eprints.umm.ac.id/id/eprint/1636

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