PENILAIAN KINERJA PUSAT LABA DENGAN METODE CAMEL PADA BANK UMUM SYARIAH (Studi Kasus Pada Bank Muamalat Indonesia, Bank Syariah Mandiri, Dan Bank Mega Syariah)

Bunga Madiyah Rinda Malita

Abstract


This is are descriptive research using qualitative methodic which on Syariah Banking. Syariah Banking which register on Indonesia Central Bank is Bank Muamalat Indonesia, Bank syariah Mandiri dan Bank Syariah Mega. Which examined in this research is how affectivity and efficiency performance profit center using CAMEL method?
Ratio which used to measure is ROA and BOPO periodic 2002-2005. Reality research result is in ROA ratio the best performance effective and efficiency is Bank Syariah Mandiri. Although worst performance are effective and efficiency is Bank Syariah Mega. Cauce Bank Syariah Mandiri majority ratio are maximal ratio is 5%. Although Bank Syariah Mega has decreasing performance in 2005, This ratio decreasing until under Indonesia Central Bank standard. This standard to ROA is 0,5%.
Ratio BOPO in tree Syariah Bank is effective and efficiency. Because all syariah bank in 4
year early can get maximal ratio is 5%. Net ratio BOPO maximal in every year descript operational
performance Syariah bank really satisfied. Standard ratio BOPO which Indonesia Central Bank is under 96%.

 

Keyword : pusat laba, Bank Umun Syariah, efektifitas, dan efisiensi

 

Link Terkait : http://skripsi.umm.ac.id/files/disk1/287/jiptummpp-gdl-s1-2008-bungamadiy-14348-PENDAHUL-N.pdf


Keywords


pusat laba; Bank Umun Syariah; efektifitas; efisiensi