Analisis Kinerja Industri Perbankan Syariah
ABSTRACT: This research
aims to evaluate
the performance of
Sharia Banking industry
from the aspects of:
asset control, third
party fund accumulation
(DPK), and the
ability of bank
to distribute funds. Aside from that , the bank performance will be
analyzed from financial ratio indicator
referring to bank
health assessement by
Indonesian Central Bank
using CAMEL. Sharia bank
performance is emphasized more on it position in the National Banking Industry.
Data gathered based
on publication of
Indonesion Central Bank
statistics, while the sample is required only for examining the
financial ratio based performance, comprising from the period of 2001-2005.
The
result of the research show that
sharia banking has good performance indicating from the
highest asset growth,
third party fund
accumulation (DPK), and
also positively consistent
funding and the increased tendency in market segment and position in the
National Banking Industry, even
if is relatively
low (less than
2%). T test
analysis with significant level of
5% show that
sharia bank has
leveled with National
Banking Industry from
the aspect of capital ratio, while asset quality perceived from non
performing financing is higher than
the National Banking
Industry. From efficiency
perspectives, Sharia Banking
only has better performance than
BUSN non Reserve, but is left behind compare to BPD.
The
ability in achieving profitability for
Sharia Banking is leveled with Bank Persero, BUSN Reserve or even National
Banking Industry. Compare to BUSN non Reserve, Sharia bank is significantly
better in performance, however it is
lagging compare to two other bank group, which are : Mixed Bank and
Foreign Bank . The examination on
liquidity reveals that banks in the
industry are just
over –liquid, while
sharia bank reside
under the minimum
liquidity requirement, it is imposing that sharia bank has better
FDR(Financing to Deposit compare to the
other groups of bank in the National Banking Industry without having to
sacrifice their asset quality. This is
supported with low NPF bay Sharia Bank.
Keywords:
Sharia Bank, Performance, National Banking Industry
Penulis: Idah
Zuhroh
.Kode
Jurnal: jpakuntansidd090007
