Detail Cantuman

Perbankan syariah di Indonesia dinilai lambat berkembang. Setelah 28 tahun lebih sejak berdirinya bank syariah pertama di Indonesia yaitu Bank Muamalat Indonesia (BMI) yang diikuti sejumlah bank syariah lainnya, hanya mampu meraih pangsa pasar 5,94% saja. Pertumbuhan yang lamat ini ironis mengingat mayoritas penduduk Indonesia beragama Islam. Penelitian ini bermaksud untuk menganalisis kinerja keuangan bank BMI dan diperbandingkan dengan kinerja keuangan salah satu bank terbaik nasional versi Majallah Investor yaitu bank BRI. Analisis dilakukan terhadap ratio-ratio keuangan lima tahun terakhir yang dipublikasikan untuk kemudian diperbandingkan. Hasil penelitian menunjukkan bahwa bank BMI memiliki kelemahan terutama dari aspek kualitas aktiva produktif dan profitabilitas bila dibandingkan dengan bank BRI. Kelemahan pada kualitas aktiva produktif khususnya kredit (NPL) berdampak pada meningkatnya biaya operasional yang pada gilirannya kemampuan meraih laba juga akan rendah. Pertumbuhan assets berbasis profit generation (internal) menjadi sangat rendah. Hasil penelitian ini memberikan informasi bagi pengelola bank syariah di Indonesia bahwa untuk mengejar ketertinggalannya dan mampu berkembang memanfaatkan potensi pasar di Indonesia harus membenahi kualitas aktiva produktif terutama kualitas kredit, sedapat mungkin meningkatkan efisiensi pada biaya operasional memperlebar margin laba dan mengembangkan produk-produk fee based income.
Kata kunci : ratio keuangan, CAR, NPL, ROA, ROE, NIM, BOPO dan LDR.
ABSTRACT
Islamic banking in Indonesia is considered slow to develop. After more than 28 years since the establishment
of the first Islamic bank in Indonesia, namely Bank Muamalat Indonesia (BMI), which was followed by a
number of other Islamic banks, was able to gain a market share of 5.94% only. This slow growth is ironic
considering that the majority of Indonesia's population is Muslim. This study intends to analyze the financial
performance of bank BMI and compare them with the financial performance of one of the best national
banks by Majallah Investor, bank BRI. The analysis is carried out on the financial ratios of the last five years
which are published for later comparison. The results showed that the bank BMI had weaknesses, especially
in terms of earning asset quality and profitability when compared to bank BRI. Weaknesses in the quality of
productive assets, especially credit (NPL), have an impact on increasing operational costs, which in turn
will also be low in profitability. The growth of assets based on profit generation (internal) is very low. The
results of this study provide information for managers of Islamic banks in Indonesia that to catch up and be
able to develop utilizing the market potential in Indonesia must improve the quality of productive assets,
especially credit quality, as far as possible improve efficiency in operational costs widening profit margins
and developing fee-based income products.
Keywords: financial ratio, CAR, NPL, ROA, ROE, NIM, BOPO and LDR.