TINGKAT PERMODALAN, PROFITABILITAS DAN LIKUIDITAS PT. BANK MUAMALAT INDONESIA, Tbk. SEBELUM DAN SESUDAH DIKELUARKANNYA SHAR-E CARD

Dewi Chuzaimah, NIM.: 02391705 (2007) TINGKAT PERMODALAN, PROFITABILITAS DAN LIKUIDITAS PT. BANK MUAMALAT INDONESIA, Tbk. SEBELUM DAN SESUDAH DIKELUARKANNYA SHAR-E CARD. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Shariah banking have been growt since 1992, since the government fix Banking Act which accommodate syariah principles on Banking Act No. I 0/l 998 that accommodate sharia banking. To fulfill shariah-banking regulation, base on Bank Indonesia Act No. 2311999 juncto No. 312004 which contain Bank Indonesia duty. Bank Indonesia was fix some regulation and policies. Unttl 1999, shariah banking have been grow slowly. There are only one general shariah banking and 78 rural shariah banking. After 1999, the other shariah banking going to increase. Those phenomeneon make Bank Muamalat lly lo inovale the strategic program in other that Bank Muamalat can he survive. The one of inovative program which has been create by bank muamalat is Shar-E Card as the first investment card in 2002. In the year of 2003, bank muamalat DPK's total have been growth 36%, 37% in 2004. After Shar-E Card has been launch in the year of 2004, DPK's has been increase 57% in the year of 2005. The aim of this study is to analyze the different of Bank Muamalat 's. capital, profitability and liquidity which have been measured by CAR, ROA, ROE, cash ratio and LDR before and after launching of Shar-E Card. The result of the study could be useful for those who are concerned with the banking performance. The study involved fifty monthly reports which selected from website of Bank Indonesia. from the website of Bank Muamalat, the researcher also collected the annual Financial reports to know the banking performance since the first. A number of statistical tools were used for data analyses including t test (paired sample). The banking performance was measured based on three aspect, they are: capital,profitability and liquidity. The results of hypothesis show a conclusion that there is no different Bank Muamalat 's capital before and after launching of Shar-E Card which has been measured by CAR. Second, there are significant different Bank Muamalat profitability which have been measured by ROA and ROE before and after launching of Shar-E Card. Thirth, there are significant different of liquidity of Bank Muamalat which has been measured by cash ratio and there is no significant different of liquidity of Muamalat which has been measured by loan to deposit ratio before and after Shar-E Card has been launched.

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