ANALISA LAPORAN KEUANGAN SEBAGAI ALAT UNTUK MENGUKUR TINGKAT KESEHATAN BANK (STUDI KASUS PADA PT. BANK SYARIAH MUAMALAT INDONESIA Tbk)

Karyawati, Tri Erna (2007) ANALISA LAPORAN KEUANGAN SEBAGAI ALAT UNTUK MENGUKUR TINGKAT KESEHATAN BANK (STUDI KASUS PADA PT. BANK SYARIAH MUAMALAT INDONESIA Tbk). Other thesis, University of Muhammadiyah Malang.

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Abstract

The purpose of this study was to assess and detect the category of bank soundness in 2002, 2003, 2004, using the analysis of financial statements in this Hali CAMEL analysis, and to assess and memdeteksi bank soundness at. Bank Syariah Muamalat Indonesia Tbk this is really healthy. The analytical tool used to determine whether bank soundness is really healthy, the author uses CAMEL analysis. This analysis includes (1) Capital Adequacy Ratio is the ratio used to measure the ability of existing capital to cover possible losses on lending activities and trading in securities. (2) asset quality is to assess the types of assets owned by banks. (3) management demonstrate the ability of bank management to identify, measure, monitor, and control risks that arise through policies and business strategies to achieve the target. Assessment of the management factor includes two components: general management and risk management. (4) earnings are used to determine the ability of banks to generate profit for a certain period and aims to measure the effectiveness of management in running the company's operations. (5) liquidity is based on the ability of banks to pay all his debts, especially savings deposits, demand deposits, and deposits as they are billed and can meet all reasonable requests for approval of credit. CAMEL analysis result of the calculation period (2002-2004) which includes aspects of capital shows that the Bank Muamalat has the ability to maintain the bank's assets, especially loans extended by a number of bank funds. And aspects of quality of productive assets Muamalat have assets that have the potential to produce or bring in revenue for banks in larger quantities. Aspects of management shows Muamalat has implemented standard policies in accordance with Bank Indonesia. As for the aspect of profitability Muamalat have the ability to create a profit every financial transaction. Based on the aspect of liquidity that banks do not have the obligation must be paid immediately, so that the core capital held by banks to cover other loans. CAMEL analysis result of the calculation period (2002-2004) showed that the performance of the Islamic Bank Muamalat Indonesia in 2002, 2003, and 2004 net worth ratio is obtained 84,162 CAMEL, 84.09 and 85.49 and entrance in healthy predicate is shown in table 27 in net value generated by Bank Muamalat Indonesia contained in the interval 81-100. Based on the above conclusions, the writer implies that the Bank Muamalat should be able to maintain a healthy predicate that has been achieved.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Zainul Afandi
Date Deposited: 16 Jun 2012 04:49
Last Modified: 16 Jun 2012 04:49
URI: http://eprints.umm.ac.id/id/eprint/8180

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