HUBUNGAN RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING CAPITAL (RGEC) TERHADAPSHARIA CONFORMITY AND PROFITABILITY (SCNP)
| Main Author: | MUHAMMAD DERRA PRASETYA , 1611031072 |
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| Format: | Bachelors NonPeerReviewed Book Report |
| Terbitan: |
FAKULTAS EKONOMI DAN BISNIS
, 2020
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| Subjects: | |
| Online Access: |
http://digilib.unila.ac.id/64042/3/ABSTRAK.pdf http://digilib.unila.ac.id/64042/2/SKRIPSI%20FULL.pdf http://digilib.unila.ac.id/64042/1/SKRIPSI%20TANPA%20BAB%20PEMBAHASAN.pdf http://digilib.unila.ac.id/64042/ |
Daftar Isi:
- Dengan semakin bertambahnya bank syariah akan memicu persaingan antar bank. Persaingan ini tidak hanya antar bank konvesional dan bank syariah, namun persaingan juga terjadi antar bank syariah. Persaingan ini pun memberikan tantangan dan tuntutan untuk berlomba-lomba menunjukkan keunggulan serta terus meningkatkan kinerjanya. Pada dasarnya sampai saat ini, pengukuran kinerja perbankan syariah biasanya dilakukan dengan menggunakan alat ukur bank konvensional. Karakter unik yang dimiliki oleh bank syariah memungkinkan pengukuran kinerja dari sisi lain yang khusus bagi bank Syariah. Pengukuran kinerja perbankan syariah menggunakan metode-metode konvensional menunjukkan hasil yang kurang memuaskan dan terkesan kinerja perbankan syariah masih jauh tertinggal dibandingkan bank konvensional. Perumusan tujuan yang berbeda akan berdampak pula pada proses perumusan strategi atau model evaluasi yang berbeda pula. Oleh sebab itu pada tahun 2010 Kappusammy merumuskan suatu pengukuran baru dengan menggunakan pengukuran yang di sesuaikan dengan tujuan tujuan bank syariah tanpa mengabaikan profitabilitasnya yaitu Sharia Conformity and Profitability(SCnP). Model SCnP ini membagi bank kedalam 4 kuadran berdasarkan kinerjanya Upper Right Quadrant (URQ), Lower Right Quadrant (LRQ), Upper Left Quadrant (ULQ), Lower Left Quadrant (LLQ). Di Indonesia pengukuran kinerja Bank Syariah di atur dalam Peraturan Otoritas Jasa Keuangan No 8/PJOK.03/2014 tentang kesehatan Bank Umum Syariah dan Unit Usaha Syariah menggunakan Risk Profile,Good Corporate Governance, Earning, Capital. Penelitian ini di tujukan untuk melihat apakah kedua pengukuran tersebut memiliki hubungan. Hasil dari penelitian ini menunjukan bahwa earning(Rentabilitas) memiliki hubungan dengan Sharia Conformity and Profitability. Selain itu penelitian ini membuktikan mayoritas bank syariah di indonesia sudah memiliki kesesuaian syariah yang baik namun belum memiliki profitabilitas yang baik Kata kunci: Bank Sharia, Kinerja bank sharia, Sharia Conformity and Profitability, Risk profile, Good corporate governance, Earnings, Capital The increase of Islamic banks will trigger competition between banks. This competition is not only between conventional banks and Islamic banks, but also competition between Islamic banks. This competition also provides challenges and demands to compete to show excellence and continue to improve performance. Basically until now, the measurement of Islamic banking performance is usually using conventional bank measurement. The unique character possessed by Islamic banks enables performance measurement from another side that is specific to Islamic banks. Measurement of sharia banking performance using conventional methods shows unsatisfactory results and is impressed that sharia banking performance is still far behind compared to conventional banks. The formulation of different objectives will also have an impact on the process of formulating different strategies or evaluation models. Therefore, in 2010 Kappusammy formulated a new measurement using measurements that were adjusted to the objectives of Islamic banks without ignoring profitability, namely Sharia Conformity and Profitability (SCnP). This SCnP model divides banks into 4 quadrants based on their performance of Upper Right Quadrant (URQ), Lower Right Quadrant (LRQ), Upper Left Quadrant (ULQ), Lower Left Quadrant (LLQ). In Indonesia, the measurement of the performance of Islamic Banks is set in the Financial Services Authority Regulation No. 8 / PJOK.03 / 2014 concerning the health of Sharia Commercial Banks and Sharia Business Units using Risk Profile, Good Corporate Governance, Earning, Capital. This study is aimed at seeing whether the two measurements have an association. The results of this study indicate that earnings (Profitability) have an association with Sharia Conformity and Profitability. In addition, this study proves that the majority of Islamic banks in Indonesia already have conformity but don't have the good profitability Key word: Islamic Banks,Sharia banking performance, Sharia Confotmity and profitability,Risk profile, Good corporate governance,Earnings, Capital