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ANALISIS KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH DENGAN MENGGUNAKAN ISLAMICITY PERFORMANCE INDEX (STUDI PADA BPRS DI YOGYAKARTA PERIODE 2013-2016)
In this modern era, sharia banking as rapidly increasing its development, one of them is BPRS. BPRS is an institute based upon sharia principal, that makes BPRS different with conventional bank. This research attempt to reveal sharia principle application to BPRS in Yogyakarta with evaluating finance and social performance using Islamicity Performance Index which is a method used by Hameed (2004) to assess bank performance in terms of finance, halal, and purification. Profit Sharing Ratio and Islamic Income vs Non Islamic Income were used in finance performance ratio, meanwhile Zakat Performance Ratio and Equitable Distribution Ratio were used in social performance ratio. This research took in observation period during 4 year in 2013-2016, where the choosen of using sample is purposive method, that obtained as much 8 BPRS. This research method using descriptive qualitative method. The data used in this research is secondary data. This research show that BPRS in Yogyakarta has implemented financial performance well, because of implemented profit sharing system appropriate with sharia Islamic and has been approved Islamic Income in amount 99,99% of total income that approved. Whereas on implementing its social performance, BPRS in Yogyakarta is not maximazed yet. It is reflected on expediture of zakat. Almost all of BPRS in Yogyakarta haven’t paid a part of income yet for zakat. BPRS Mitra Amal Mulia is the only one of BPRS in Yogyakarta which has paid off and reported it into financial report. Beside that, there are still BPRS in Yogyakarta that haven’t putting out qardh yet. The income that distributed to employer of all BPRS in Yogyakarta is in amount of 47,96%.
FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA
ANALISIS KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH DENGAN MENGGUNAKAN ISLAMICITY PERFORMANCE INDEX (STUDI PADA BPRS DI YOGYAKARTA PERIODE 2013-2016) (Text)
ANALISIS KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH DENGAN MENGGUNAKAN ISLAMICITY PERFORMANCE INDEX (STUDI PADA BPRS DI YOGYAKARTA PERIODE 2013-2016) (Other)
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