ANALISIS RASIO LIKUIDITAS DAN SOLVABILITAS UNTUK MENGUKUR KINERJA KEUANGAN BANK BRI SYARIAH PERIODE 2015-2019

Siti Nurhabibah. 16050102070., S (2021) ANALISIS RASIO LIKUIDITAS DAN SOLVABILITAS UNTUK MENGUKUR KINERJA KEUANGAN BANK BRI SYARIAH PERIODE 2015-2019. Skripsi thesis, IAIN KENDARI.

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Abstract

ABSTRAK Siti Nurhabibah. 16050102070. Analisis Rasio Likuiditas dan Solvabilitas Untuk Mengukur Kinerja Keuangan Bank BRIsyariah Periode 2015-2019. Dibimbing oleh: Dr. Hj. Ummi Kalsum, M.Ag dan Dr. La Hadisi, M.Pd.I Penelitian ini bertujuan untuk menganalisis kinerja keuangan PT Bank BRIsyariah Tbk. periode 2015-2019 ditinjau dari likuiditas dan solvabilitas. Objek penelitian ini adalah PT Bank BRIsyariah Tbk. Jenis data yang digunakan adalah data sekunder. Teknik pengumpulan data yang digunakan adalah teknik dokumentasi dan kepustakaan. Metode analisis data yang digunakan yaitu analisis likuiditas dan solvabilitas. Hasil penelitian ini menunjukan bahwa: pertama, kinerja keuangan PT Bank BRIsyariah Tbk periode 2015-2019 jika dilihat dari rasio likuiditas menunjukkan bahwa kinerja keuangan PT Bank BRIsyariah Tbk sudah baik karena dilihat dari indikator quick ratio (2015: 26%, 2016: 21%, 2017: 17%, 2018: 22%, 2019: 15%) telah sesuai standar BI yaitu 10-20%, banking ratio (2015: 81%, 2016: 80%, 2017: 70%, 2018: 74%, 2019: 78%) dinillai cukup baik di mana standar BI yaitu 85-100%, loan to deposit ratio (2015: 73%, 2016: 72%, 2017: 64%, 2018: 63%, 2019: 68%) telah sesuai standar BI yaitu ≤98% dan loan to asset ratio (2015: 67%, 2016: 63%, 2017: 58%, 2018: 56%, 2019: 62%) berada di atas standar ketetapan Bank Indonesia yaitu >10%, ini berarti bank BRIsyariah mampu membayar utang yang jatuh tempo. Kedua, dilihat dari rasio solvabilitas pada Bank BRIsyariah periode 2015-2019 dalam keadaan solvable, karena dilihat dari indikator primary ratio (2015: 10%, 2016: 9%, 2017: 8%, 2018: 13%, 2019: 12%) telah sesuai standar BI yaitu ≥8% , secondary risk ratio (2015: 11%, 2016: 11%, 2017: 12%, 2018: 18%, 2019: 16%) telah sesuai standar BI yaitu ≥10%, dan capital ratio (2015: 14%, 2016: 14%, 2017: 14%, 2018: 24%, 2019: 19%) telah sesuai standar BI yaitu 10%-20%, ini berarti bank BRIsyariah mampu menutupi kemungkinan kegagalan pembayaran dalam pemberian pembiayaan dan juga menjamin sejumlah pinjaman pada nasabah. Kata kunci: Kinerja Keuangan, Rasio Likuiditas, Rasio Solvabilitas, Bank BRIsyariah ABSTRACT Siti Nurhabibah. 16050102070. Analysis of Liquidity and Solvency Ratios to Measure the Financial Performance of BRIsyariah Banks for the Period of 2015-2019. Supervised by: Dr. Hj. Ummi Kalsum, M.Ag and Dr. La Hadisi, M.Pd.I The aim of this study is to know and analyze the financial performance of PT Bank BRIsyariah Tbk. 2015-2019 period in terms of liquidity and solvency. The object of this study is PT Bank BRIsyariah Tbk. The type of data used secondary data. The data collection techniques used documentation and literature techniques. The data analysis method used liquidity and solvency analysis. The results of this study is: first, the financial performance of PT Bank BRIsyariah Tbk for the period 2015-2019 based of the liquidity ratio shows that the financial performance of PT Bank BRIsyariah Tbk is good because it is seen from the quick ratio indicator (2015: 26%, 2016: 21%, 2017: 17%, 2018: 22%, 2019: 15%) is in accordance with BI standards, namely 10-20%, banking ratio (2015: 81%, 2016: 80%, 2017: 70%, 2018: 74%, 2019: 78%) is in accordance with BI standards, namely 85-100%, the loan to deposit ratio (2015: 73%, 2016: 72%, 2017: 64%, 2018: 63%, 2019: 68%) is in accordance with BI standards, namely ≤98 % and loan to asset ratio (2015: 67%, 2016: 63%, 2017: 58%, 2018: 56%, 2019: 62%) are above the standard stipulated by Bank Indonesia, namely> 10%, it’s mean that Bank BRIsyariah able to pay debt that was due. Second, based on the solvency ratio at Bank BRIsyariah for the period 2015-2019 it’s in a solvable state, because from the primary ratio indicators (2015: 10%, 2016: 9%, 2017: 8%, 2018: 13%, 2019: 12%) according to BI standards, namely ≥8%, secondary risk ratio (2015: 11%, 2016: 11%, 2017: 12%, 2018: 18%, 2019: 16%) is in accordance with BI standards, namely ≥10%, and the capital ratio ( 2015: 14%, 2016: 14%, 2017: 14%, 2018: 24%, 2019: 19%) is in accordance with BI standards, namely 10% -20%, it’s mean that Bank BRIsyariah able to cover possible payment failures in providing financing and also guarantee a number of loans to customers. Keywords: Financial Performance, Liquidity Ratio, Solvency Ratio, Bank BRIsyariah

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