ANALISIS RASIO ASSETS QUALITY, MANAGEMENT RISK, EARNING DAN LIQUIDITY DALAM MEMPREDIKSI FINANCIAL DISTRESS PADA BANK SYARIAH (Studi Kasus Pada Bank Rakyat Indonesia Syariah Cabang Malang)

DEWI, ROSITA (2007) ANALISIS RASIO ASSETS QUALITY, MANAGEMENT RISK, EARNING DAN LIQUIDITY DALAM MEMPREDIKSI FINANCIAL DISTRESS PADA BANK SYARIAH (Studi Kasus Pada Bank Rakyat Indonesia Syariah Cabang Malang). Other thesis, University of Muhammadiyah Malang.

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Abstract

This research represents descriptive research at Bank Rakyat Indonesia Syariah branch of Malang under the title of “The Analysis of Assets Quality, Management Risk, Earning, and Liquidity Ration to predict the Financial Distress at Syariah Bank (case study at Bank Rakyat Indonesia Branch of Malang). The purpose of this research is to assess the bank health by using Assets Quality, Management Risk, Earning, and Liquidity ratio, so that it can be known the Bank Rakyat Indonesia Syariah branch of Malang health period 2004, 2005 and 2006. The data source of this research is primary data, which is obtained directly from the research object. The primary data used by the writer is in the form of questioner about the management risk. Besides, the writer also uses secondary data that obtained indirectly through intermediary medium. It includes documents, the legal historical reports of the bank particularly the balance, loss-profit report, and the relevant records. The ratio assessment consists of five aspects, they are: Assets Quality, Management Risk , Earning, and Liquidity. The research result shows that in general, Bank Rakyat Indonesia Syariah branch of Malang has not good enough performance. On the productive assets quality aspect assessed by using RORA shows that the bank try to keep its productive assets quality. The management aspect of the bank has health predicate. On the earning aspect, bank has ability to improve their profit, while for the liquidity aspect shows that the performance is still in the health category. Based on the assessment result of all aspects, hence Bank Rakyat Indonesia Syariah branch of Malang at period 2005 stated in unhealthy condition. It can be seen from the obtained value total that equals to 20,375. In 2006, the obtained value total is increasing become 52,059 and the bank is stated in not healty enough.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Zainul Afandi
Date Deposited: 09 May 2012 04:06
Last Modified: 09 May 2012 04:06
URI: http://eprints.umm.ac.id/id/eprint/4828

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