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PENILAIAN KINERJA KEUANGAN PT. BANK SYARIAH MANDIRI, Tbk

ALHABSY, FUADI (2012) PENILAIAN KINERJA KEUANGAN PT. BANK SYARIAH MANDIRI, Tbk. Other thesis, University of Muhammadiyah Malang.

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Abstract

Analyzer which is used in this research is monetary ratio analysis of bank which pursuabt to rule of standart of Bank Indonesia. In this analysis there are 4 aspect, that is capital aspect, rentability aspect, and effort efficienscy aspect. Capital aspect by using Capital Adequacy Ratio (CAR) Standart rule is Indonesia Bank (BI) equal to 8%. If < 8% told is unfavourable, while >8% told by goodness. Aspect of Likuiditas by using Loan To Deposit Ratio (LDR) standart rule is Indonesia Bank (BI) equal to 85%-110%. If residing in among85%-110% told by goodness, while < 85% and >110% told is unfavourable. Rentability aspect by using Return On Asset (ROA) standar rule is Indonesia Bank for ROA equal to 1,5%. If residing in above 1,5% told by goodness, while below/under 1,5% told is unfavourable. Efficiency aspect by using Operating Expenses Earnings of Operational (BOPO) standar is Indonesia Bank equal to 92%. If less than 92% told by goodness, while more than 92% told is unfavourable. Result of analysis by using monetary ratio analysis, that is capital aspect told by goodness, because still reside in above rule of standart specified by Indonesia Bank that is equal to 8%. Aspect of Likuiditas not yet shown its effectiveness in fulfilling Indonesia Bank criterion that is LDR equal to 85%-110%. Aspect Rentability can be told goodness, but in the year 2007 happened degradation equal to 0,89%. This unfavourable matter ofcourse, because below/under rule of specified by standard is Indonesia Bank equal to 1,5%. Aspect efficiency told by goodness, because residing in below/under of specified byb standard is Indonesia Bank that is equal to 92%. Conclusion of which can pulled is monetary ratio analysis can be used as appliance to measure monetary performance of bank. The mentioned proved with result of monetary performance analysis at PT. Syariah Mandiri of Bank, Tbk can be told goodness, but at aspect of Likuiditas not yet shown its effectiveness in fulfilling Indonesia Bank criterion that is LDR equal to 85%-110%. From conclusion above, writer of implementation can that bank better shall be more be selective in giving credit to its client to depress credit risk, however bank require to consider importantly of him pengguliran of credit utilize to yield earnings (credit as earning asset).

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance
Divisions: Faculty of Economics > Department of Management (61201)
Depositing User: Fitri Ramandhany
Date Deposited: 21 Nov 2015 04:43
Last Modified: 21 Nov 2015 04:43
URI : http://eprints.umm.ac.id/id/eprint/19334

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