ANALISIS CAMEL SEBAGAI ALAT UNTUK MENGUKUR KINERJA KEUANGAN BANK SYARIAH (Studi Pada Bank Syariah Milik Pemerintah)

SITI ISNAINI SAHRI

Abstract


This study is base on description method at government syariah Bank, as know as BNI syariah, BRI syariah and Bank Mandiri syariah. The title of this study is ? CAMEL? analysis as tool to measure Bank Syariah financial statement?
The purpose of this study is to know the financial statement of BNI syariah, BRI syariah and Bank Mandiri syariah by using CAMEL method (capital, assets, management, earning, and liquidity)
In this study, the writer use ratio CAMEL analysis to know the financial statement base on financial record which consist of balance sheet and income statement in 5 periods, begin in 2002 until 2006.
The result by using CAMEL analysis, it shows that BRI syariah have the leading score of financial statement, the upper position than BNI syariah and Bank Mandiri syariah with designation good enough and get 72,97 CAMEL point. Financial capital quality measured by using CAR ratio has exceed the minimum of financial capital which decided by BI with 8%. Credit value reaches 19,59 and 5 point of CAD. It shows that Bank try to distribute credit system for increase assets quality. Management aspect show that Bank unable to increase operational work. ROA ratio reach 5 point equal with the standard which decided by BI and BOPO ratio with 4, 06 point show that BRI syariah profit more higher than Bank Mandiri Syariah. LDR ratio show that BRI syariah able to finished the short time obligation, credit value reach 10 point equal with the standard which decided by BI.

 

Keyword : analisis camel, kinerja keuangan, bank syariah

 

Link Terkait : http://skripsi.umm.ac.id/files/disk1/265/jiptummpp-gdl-s1-2008-sitiisnain-13237-pendahul-n.pdf


Keywords


analisis camel; kinerja keuangan; bank syariah