Abstract
The aims of study were to know and analyze the performance of Bank Syariah BUMN in Indonesia seen in the concept of Balance Scorecard, especially financial perspective and compare financial performance. This study was a descriptive study that explains a picture of a particular object and result. This study described the performance appraisal results from the financial perspective of Bank Syariah Mandiri, BNI Syariah, BRI Syariah in 2016. The type of data used in this study were secondary data in the form of financial data of Bank Syariah Mandiri, BNI Syariah, BRI Syariah, which has been published year 2016. The data source is obtained from Indonesian Banking Directory published by Bank Indonesia, from the Indonesia Stock Exchange website. Methods of data analysis used descriptive analysis. Based on the performance analysis of Balancae Score Card with financial perspective, it can be concluded that BRI Syariah, BNI Syariah and Bank Mandiri Syariah has a good performance in 2016. Capital ratio, Earning Assets Quality (KAP) Ratio, Profitability Ratio (earnings), Liquidity Ratio (liquidity) and Sensitivity to market risk in BRI Syariah pertained good. Capital Ratio (Capital), Earning Asset Quality (KAP) Ratios, Profitability Ratio (earnings), Liquidity Ratio (liquidity) and Sensitivity to Market Risk (BNI Syariah) were good. Capital Ratio (Capital), Earning Asset Quality (KAP) Ratios, Profitability Ratios (earnings), Liquidity Ratio (liquidity) and Sensitivity to market risk in Bank Syariah Mandiri were good. Based on the comparison of capital ratio, earning asset ratio, liquidity ratio and sensitivity to market risk in Bank Syariah Mandiri, BNI Syariah and BRI Syariah, in general the largest ratio were the ratio of BRI Syariah except capital ratio, both BNI Syariah except liquidity ratio and except market sensitivity.
Highlights
The aims of study were to know and analyze the performance of Bank Syariah BUMN in Indonesia seen in the concept of Balance Scorecard, especially financial perspective and compare financial performance
BRI Syariah, in general the largest ratio were the ratio of BRI Syariah except capital ratio, both BNI Syariah except liquidity ratio and except market sensitivity
Analisis Rasio Keuangan Untuk Menilai Kinerja Keuangan Pada PT H.M. Sampoerna Tbk. Jurnal Ilmu dan Riset Manajemen
Summary
Perkembangan sistem perbankan syariah di Indonesia dalam dua dekade pengembangan keuangan syariah nasional, sudah banyak pencapaian kemajuan, baik dari aspek lembaga dan infrastruktur penunjang, perangkat regulasi dan sistem pengawasan, maupun awareness dan literasi masyarakat terhadap layanan jasa keuangan syariah. Setelah mengalami pertumbuhan yang relatif tinggi pada tahun- tahun sebelumnya, ditahun 2015-2016 perbankan syariah menghadapi tantangan berupa perlambatan pertumbuhan. Saat ini dari 12 bank umum syariah (BUS), sepuluh BUS memiliki modal inti kurang dari Rp2. Serta belum ada BUS yang memiliki modal inti melebihi Rp5 Triliun. Hal ini menyebabkan bank-bank syariah menjadi kurang leluasa untuk membuka kantor cabang, mengembangkan infrastruktur, dan mengembangkan segmen layanan. Berdasarkan perkembangan sektor jasa keuangan syariah menunjukkan Capital Adequeacy Ratio (CAR) perbankan syariah mengalami penurunan dimana pada Desember 2015 sebesar 15,74 persen menjadi persen pada Oktober 2016 turun -0,78 persen seperti Tabel 1 berikut
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