ANALISIS KINERJA BANK UMUM SYARIAH DENGAN MENGGUNAKAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX PERIODE 2012-2014

UNGGUL BUDI RILOWICAKSONO, NIM. 12820053 (2016) ANALISIS KINERJA BANK UMUM SYARIAH DENGAN MENGGUNAKAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX PERIODE 2012-2014. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The development of Islamic banking in Indonesia is now experiencing a rapid increase both in quantity and quality. As an institution that is moved in sharia, Islamic banks have the characteristics and assessment of financial performance that is different from conventional banks. Islamicity Performance Index is one method that can be used to evaluate the financial performance of Islamic banks are not only financially, but also be able to evaluate the principles of justice and halal on Islamic banking. This study aims to reveal application of Sharia principles in business performance and social performance at the Indonesian Islamic Banks in the period 2012-2014 by using Islamicity Performance Index. For business performance the ratio are profit sharing ratio, Islamic investment vs non-Islamic investment, Islamic income vs non-Islamic income, While the social performance are zakat performance ratio, equitable distribution ratio, and directors-employees welfare ratio. The data used in this research is secondary data. The study population was all Indonesian Islamic Banks in the period 2012-2014, with a sample of ten banks. Sampling is done by using purposive sampling method. For the results of this study found that the performance of the business in Islamic banks is good for implementing the results according to the principles and Islamic law, especially at Bank Panin Syariah are on average financing results from 2012 to 2014 amounted to 62.75%. Islamic banks also have to invest in the halal sector with a ratio of 100% results and have had 99% revenue derived from lawful income. Whereas, for the social performance found that Islamic banks can be describe to be unsatisfactory, which is reflected not maximal Islamic banks in issuing zakat. On the revenue received by the various stakeholders, Islamic banks have issued qard and donations, giving salaries, dividends and net earnings were great but on a comparison of a director's salary with the employees, there are a big differences in the average salary, that is must be upheld in Islamic institutions to reduce the gap between the leader and the employee. The conclusion is the Islamic banks in Indonesia to prioritize its business performance compared with its social performance.

Item Type: Thesis (Skripsi)
Additional Information / Pembimbing: H. M. YAZID AFANDI, S.Ag., M.Ag.
Uncontrolled Keywords: Performance appraisal, Islamicity Performance Index, Islamic Banks
Subjects: Perbankan Syariah
Divisions: Fakultas Ekonomi dan Bisnis Islam > Perbankan Syari'ah (S1)
Depositing User / Editor: Miftahul Ulum [IT Staff] ---- youtube : ulum virgo -------- Facebook : digilibuin
Date Deposited: 01 Aug 2016 15:02
Last Modified: 01 Aug 2016 15:02
URI: http://digilib.uin-suka.ac.id/id/eprint/21250

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