Hidayah, Naila (2011) Analysis of Financial Statement by CAMEL Method (Case Study at BNI Syariah Surakarta on Period July-December 2010). S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

The financial crisis that occurred in 1997 caused to great shock to all the joints of the economy. The fall of rupiah value, immediately revalue to all banking foreign currency of both the assets and liabilities. So that 16 banks were liquidated by government. Therefore to establish the precautionary principle, the government issued a regulation Number 30/2/UPBB 1997 about health assessments procedures for banking. In the other side, the government passed the legislation Number 10 of 1998, which explicitly recognizes the existence and functioning of Islamic banks again. But is the performance of Islamic banking has fulfilled all its obligations properly, according to the existing banking regulations?. Based on this, the writer wants to analyze about the performance of BNI Syariah after the Bank being to spun off into Islamic Commercial Bank. According a sample object taken is sharia branch office Surakarta. This study purposes to determine what is the ratio performance of BNI Syariah Surakarta as measured by CAMEL method?. And how is the condition of BNI Syariah Surakarta if judged by CAMEL method?. In this case, the writer use quantitative field research, the data is balance sheet and income statement. Technique of collecting data is by interview and documentation both is primary data and secondary data and analyze by CAMEL method. The results of this study indicate that the value ratio of CAR achieved by BNI Syariah Surakarta in July-December 2010 is 19.6%, 17.76%, 5.03%, 3.16%, 4.87%, and 8.36%. The value ratio of BDR achieved by BNI Syariah Surakarta in July-December 2010 is 1.1%, 2.2%, 1.7%, 1.7%, 3.5%, and 0.2%. The value ratio of assets productive classified achieved by BNI Syariah Surakarta in July-December 2010 is 372%, 116%, 361%, 335%, 394%, and 44%. The value ratio of management achieved by BNI Syariah Surakarta in July-December 2010 is 24.2. The value ratio of ROA achieved by BNI Syariah Surakarta in July-December 2010 is 1.6%, 1.4%, 0.3%, 0.1%, 0.2%, and 450%. The value ratio of Operational Efficiency Ratio (OER) achieved by BNI Syariah Surakarta in July-December 2010 is 44.2%, 61.9%, 105%, 97%, 103%, 99.4%. The value ratio of LDR achieved by BNI Syariah Surakarta in July-December 2010 is 107.3%, 31.7%, 35.8%, 37.2%, 43.4% and 39.4%. Cash value ratio achieved by BNI Syariah Surakarta in July-December 2010 is 19.6%, 8.7%, 9.08%, 6.4%, 8.2% and 2.9%. Based on the ratio, the health assessment of BNI Syariah Surakarta on period July, August, and December 2010 is health, and for September, October, and November is considered health enough.

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