PERBANDINGAN ANALISIS KINERJA KEUANGAN PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DENGAN MENGGUNAKAN METODE CAMEL

Abstract

Method CAMEL own five aspect, that is Capital (using Capital Adequacy Ratio (CAR)), Assets (using Productive Assets Quality (KAP) and Exclusion of  Productive Assets Abolition (PPAP)), Earning/Rentabilitas (using Return On Assets (ROA) Ratio and BOPO Ratio), and Liquidity (using Loan to Deposit Ratio (LDR)). The research result at PT. Bank Muamalat, PT. Bank Syariah Mandiri, PT. Bank Bukopin, PT. Bank Mayapada, explaining that the point of CAR if assessed from healthy level according to central Bank (Bank Indonesia) showing if the banking is healthy. Pursuant to KAP ratio the healthy level of banking is healthy. From analyses ROA and BOPO explaining that the healthy level of banking is healhty, and the result of LDR analyses showing the healthy level of banking is unhealthy /indisposed. The mention possibility because of still less be itd popular of Moslem Law Banking saving what does not give feed back in from of rate. Most of society what still less understanding about the principle work the Moslem Law Banking assuming if the saving not conducive to profit.

Keyword : Bank of Moslem Law, Conventional Bank, Method CAMEL