Analisis Kinerja Keuangan Bank Syariah Mandiri Periode 2002 – 2007 (dengan Pendekatan PBI No. 9/1/PBI/2007)

Yunanto Adi Kusumo


Bank credibility could be seen from its financial performance. One of the large Islamic bank in Indonesia is Bank Syariah Mandiri. Th is research aims to know financial performance of Bank Syariah Mandiri for period 2002 to 2007. Th is research is a quantitative research, using descriptive analysis. Th e analysis exercise the Regulation of Bank Indonesia No. 9/1/PBI/2007 comprising the assessment system of the soundness of Islamic bank in Indonesia, including: capital, quality of productive asset, management, earning, liquidity and also sensitivity to market risk (CAME LS). However this research only analysis the financial aspect, without management criterion. Th e result of this research reveales that capital ratio is very strong, ratio of quality of productive asset is good enough, earning ratio is very good, liquidity ratio is very strong and sensitivity to market risk ratio is very weak. Financial performance of Bank Syariah Mandiri as a whole pertaines the goodness.

Keyword: financial performance, quality of produc tive asset, earning, liquidity, dan sensitivity to market risk.

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