BibTex Citation Data :
@article{JAB4315, author = {Andri Wibisono and Rodhiyah Rodhiyah}, title = {ANALISIS KINERJA KEUANGAN PADA PT. BANK MUAMMALAT INDONESIA,TBK PERIODE 2005-2009}, journal = {Jurnal Administrasi Bisnis}, volume = {1}, number = {1}, year = {2012}, keywords = {}, abstract = { The objective of this study is to find the financial performance of PT Bank Muamalat Indonesia, Tbk. (BMI) by analyzing the profitability and the risk through financial ratio analysis based on the regulations of Bank Indonesia (BI) from 2005 to 2009.This descriptive analysis research employs ROA and ROE technique followed by ratio analysis, namely KPMM, KAP, NOM, STM, and MR. The result of this r esearch shows positive trend of the value of ROA and ROE in the period of 2005-2008, while in 2009 there was significant decrease. The value of KP M M decreased in 2005-2007 and increase d in 2008-2009. The value of KAP was inclined to decrease from 2005 to 2009. The value of the company’s NOM exp e rienced increasing trend in 2005-2008 butdecreased up to 6.17% in 2009. The value of STN was stable from 2005 to 2009 eventhough there was a slight decrease and increase w hose value was not significant. The value of MR experienced significant decrease in the period of 2006-2007 and f ollowed by the decrease in 2008-2009 u p to the level of 5.81%. It can be concluded that in terms of its ROA and RO E , BMI did not have maximum financial performance, yet based on the risk analysis of the regulations of BI , BMI has good financial performance.Better management is needed to obtain more profit and to comply with current regulation. Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan PT. Bank Muammalat Indonesia,Tbk (BMI) dengan cara menganalisis profitabilitas dan risiko melalui analisis rasio keuangan berdasarkan peraturan Bank Indonesia (BI) dari tahun 2005-2009. Teknik analisis yang digunakan adalah teknik analisis ROA dan ROE yang dilanjutkan dengan analisis rasio yaitu rasio KPMM, KAP, NOM, STM, dan MR. Hasil penelitian menunjukkan adanya kecenderungan positif dari nilai ROA dan ROE pada periode 2005-2008, sedangkan pada tahun 2009 ROA dan ROE mengalami penurunan yang cukup besar. Nilai KPMM turun pada 2005-2007 dan meningkat kembali pada tahun 2008-2009. Nilai KAP cenderung menurun dari tahun 2005-2009. Nilai NOM perusahaan mengalami tren meningkat pada tahun 2005-2008 sedangkan pada tahun 2009 nilainya turun sampai 6.17%. Nilai STM stabil dari tahun 2005-2009 walaupun terjadi penurunan dan peningkatan tetapi nilainya tidak signifikan. Nilai MR memiliki penurunan yang signifikan pada periode 2006-2007 dan dilanjutkan penurunan periode 2008-2009 hingga ke level 5.81%. Kesimpulannya adalah kinerja keuangan PT. BMI dari komponen ROA dan ROE kurang maksimal, sedangkan dari analisis risiko peraturan BI kinerja keuangan cukup baik. Sehingga perlu pengelolaan yang lebih baik lagi dalam kemampuan menghasilkan laba dan memenuhi peraturan yang berlaku. Keywords: Financial Performance, Financial Ratio Analysis Kinerja Keuangan, Analisis Rasio Keuangan }, issn = {2548-4923}, pages = {25--36} doi = {10.14710/jab.v1i1.4315}, url = {https://ejournal.undip.ac.id/index.php/janis/article/view/4315} }
Refworks Citation Data :
The objective of this study is to find the financial performance of PT Bank Muamalat Indonesia, Tbk. (BMI) by analyzing the profitability and the risk through financial ratio analysis based on the regulations of Bank Indonesia (BI) from 2005 to 2009.This descriptive analysis research employs ROA and ROE technique followed by ratio analysis, namely KPMM, KAP, NOM, STM, and MR. The result of this research shows positive trend of the value of ROA and ROE in the period of 2005-2008, while in 2009 there was significant decrease. The value of KPMM decreased in 2005-2007 and increased in 2008-2009. The value of KAP was inclined to decrease from 2005 to 2009. The value of the company’s NOM experienced increasing trend in 2005-2008 butdecreased up to 6.17% in 2009. The value of STN was stable from 2005 to 2009 eventhough there was a slight decrease and increase whose value was not significant. The value of MR experienced significant decrease in the period of 2006-2007 and followed by the decrease in 2008-2009 up to the level of 5.81%. It can be concluded that in terms of its ROA and ROE, BMI did not have maximum financial performance, yet based on the risk analysis of the regulations of BI, BMI has good financial performance.Better management is needed to obtain more profit and to comply with current regulation.
Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan PT. Bank Muammalat Indonesia,Tbk (BMI) dengan cara menganalisis profitabilitas dan risiko melalui analisis rasio keuangan berdasarkan peraturan Bank Indonesia (BI) dari tahun 2005-2009. Teknik analisis yang digunakan adalah teknik analisis ROA dan ROE yang dilanjutkan dengan analisis rasio yaitu rasio KPMM, KAP, NOM, STM, dan MR. Hasil penelitian menunjukkan adanya kecenderungan positif dari nilai ROA dan ROE pada periode 2005-2008, sedangkan pada tahun 2009 ROA dan ROE mengalami penurunan yang cukup besar. Nilai KPMM turun pada 2005-2007 dan meningkat kembali pada tahun 2008-2009. Nilai KAP cenderung menurun dari tahun 2005-2009. Nilai NOM perusahaan mengalami tren meningkat pada tahun 2005-2008 sedangkan pada tahun 2009 nilainya turun sampai 6.17%. Nilai STM stabil dari tahun 2005-2009 walaupun terjadi penurunan dan peningkatan tetapi nilainya tidak signifikan. Nilai MR memiliki penurunan yang signifikan pada periode 2006-2007 dan dilanjutkan penurunan periode 2008-2009 hingga ke level 5.81%. Kesimpulannya adalah kinerja keuangan PT. BMI dari komponen ROA dan ROE kurang maksimal, sedangkan dari analisis risiko peraturan BI kinerja keuangan cukup baik. Sehingga perlu pengelolaan yang lebih baik lagi dalam kemampuan menghasilkan laba dan memenuhi peraturan yang berlaku.
Keywords:
Financial Performance, Financial Ratio Analysis
Kinerja Keuangan, Analisis Rasio Keuangan
Article Metrics:
Last update:
Last update: 2024-11-22 02:21:47
Starting from 2022, the author(s) whose article is published in the Jurnal Administrasi Bisnis (JAB) attain the copyright for their article and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. By submitting the manuscript to JAB, the author(s) agree with this policy. No special document approval is required.
The author(s) guarantee that:
The author(s) retain all rights to the published work, such as (but not limited to) the following rights:
Suppose the article was prepared jointly by more than one author. Each author submitting the manuscript warrants that all co-authors have given their permission to agree to copyright and license notices (agreements) on their behalf and notify co-authors of the terms of this policy. Jurnal Administrasi Bisnis (JAB) will not be held responsible for anything that may arise because of the writer's internal dispute. Jurnal Administrasi Bisnis (JAB) will only communicate with correspondence authors.
Authors should also understand that their articles (and any additional files, including data sets, and analysis/computation data) will become publicly available once published. The license of published articles (and additional data) will be governed by a Creative Commons Attribution-ShareAlike 4.0 International License. Jurnal Administrasi Bisnis (JAB) allows users to copy, distribute, display and perform work under license. Users need to attribute the author(s) and Jurnal Administrasi Bisnis (JAB) to distribute works in journals and other publication media. Unless otherwise stated, the author(s) is a public entity as soon as the article is published.
Jurnal Administrasi Bisnis oleh http://ejournal.undip.ac.id/index.php/janis/ disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional.
Lihat Pengunjung
