ANALISA PERBANDINGAN KINERJA BANK MUAMALAT INDONESIA DENGAN BANK SYARIAH MANDIRI BERDASARKAN RASIO KEUANGAN Periode 2004/2006

WZF, Akhmad Khudzaifi (2008) ANALISA PERBANDINGAN KINERJA BANK MUAMALAT INDONESIA DENGAN BANK SYARIAH MANDIRI BERDASARKAN RASIO KEUANGAN Periode 2004/2006. Other thesis, University of Muhammadiyah Malang.

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Abstract

Syariah banking operational is still new relatively for Indonesian people, include for Moslem society. Actually, syariah banking products and services are not the strange things because its purpose is not only promoting and applying Islam Syariah principles into financial transaction. It is sometimes trapped in the sense that Islamic bank is equal to the non-interest bank. Whereas Islamic Bank is far from it, Islamic bank has typical characteristics that differ from conventional banks. Islamic Bank essence is not only looked from the absence of interest system in its transaction, but its system brings human to obtain mental and physical happiness. This research has purpose to know the comparison between finansial performance of PT. Bank Muamalat Indonesia with Bank Syariah Mandiri viewed from financial ratio of capital, liquidation, rentability and efficiency supporter ratio using standard of Indonesian Bank. Data analysis instruments used in this research is financial ratio analysis, includes capital analysis consists of CAR (capital adequacy ratio) that is weighted assets according to risk (ATMR); liquidity ratio includes LDR (loan deposit ratio) that is ratio of the given credit to the accepted fund; rentability consisting of ROA (Return on Average Asset) that is ratio of net profit before tax to total assets and ROE (Return on Equity) that is ratio of net profit to total equity and efficiency analysis consisting of BO/PO (operational cost/operation revenue) ratio that is ratio of operational cost to net interest revenue to productive assets. The research result of comparison level of finansial performance of Syariah bank is obtained from finansial ratio calculation and has been given weight under Indonesian Bank s stipulation. From the examination results it can be known that BMI s average value of BOPO ratio is still under BI standard, while Syariah Mandiri Bank can be said better than BMI because on BSM ratio under BI standard is liquidity ratio.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Economics and Development Studies
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 09 Jun 2012 04:46
Last Modified: 09 Jun 2012 04:46
URI: http://eprints.umm.ac.id/id/eprint/6955

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