ANALISIS DALAM MENGANTISIPASI RISIKO MISMATCH ANTARA FUNDING dan FINANCING(Studi Kasus Pada Bank Rakyat Indonesia Syariah Cabang Malang)

Santoso, Yuswiyanto Budi (2008) ANALISIS DALAM MENGANTISIPASI RISIKO MISMATCH ANTARA FUNDING dan FINANCING(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 which is titled “The Analysis to Anticipate the Mismatch Risk Between Funding and Financing (Case Study at BRI Syariah Branch Malang). The purposes of this research are to know which strategy is precise to apply in BRI Syariah Branch Malang in order to manage the liquidity, and the performance of Maturity Profile report in 2005 and 2006 in comparison with the cash flow concept in 2007. This research uses liquidity ratio such as cash ratio to measure the capability of the bank to pay short term liabilities, loan to deposit ratio (LDR) to measure the capability of the bank to give loan to the debitor, and the measure of reserve requirement. The research result shows that the value of cash ratio in BRI Syariah branch Malang is 7,57% in 2005, 8,78% in 2006, and 5,16 in 2007. It means that the value of cash ratio in that years have been above the limit value, and this also means that the function of the maturity profile report in order to determine the estimation of funds that required for pay the bills is working well. The other side, the value of loan to deposit ratio (LDR) in 2007 shows significantly decreasing value in comparison with 2005 and 2006. In 2007 the value of LDR is 135%, besides in two years before the value is 239%. This is shows that the application of cash flow concept can be able balance the cash in and the cash out in order to manage the liquidity.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 13 Jun 2012 04:26
Last Modified: 13 Jun 2012 04:26
URI: http://eprints.umm.ac.id/id/eprint/7578

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