of profitability development is not seen clearly in the graph above because the

Of profitability development is not seen clearly in

This preview shows page 19 - 23 out of 30 pages.

of profitability development is not seen clearly in the graph above because the increase and decrease is not too significant. The Capital Adequacy Ratio (CAR) Development of Islamic Commercial Banks Capital Adequency Ratio is the ratio of capital ability to show how far bank assets have risks. The risk is also derived from the capital itself, where the bank obtained the capital from sources outside the bank. Under the terms of Bank Indonesia, the value of the Capital Adequency Ratio has a minimum value of eight percent. Therefore, bank management should increase the value of Capital Adequency Ratio.From the data collected at Islamic Commercial Banks in the statistics of Islamic banking show Capital AdequacyRatio (CAR) in 2015 - 2017.Data Capital AdequacyRatio (CAR) can be shown at graph the following graph Graph 2 CAR Development of Islamic Commercial Banks 2015-2017 Source : Islamic Banking Statistic
Image of page 19
Wahyu Intan Kusumastuti and Azhar Alam 49 Based on graph 2 above, Capital AdequacyRatio (CAR) of 2015-2017 has increased in 2015 at 15.02% in 2016 has increased at 15.09%. In 2017 again decreased at 17.00%. The increase and decrease of Capital AdequacyRatio (CAR) development is not seen clearly in the graph above because the increase and decrease is not too significant. The Cost-to-Income Ratio (BOPO) Development of Islamic Commercial Banks Operating Cost to Operating Revenue Ratio is often called the operational efficiency ratio, this ratio is used to measure the ability of bank management in controlling operational costs to operating income. From collected data at Islamic banking statistics shows Operational Cost and Operating Income (BOPO) at 2015 - 2017. Operational Cost and Operating Income (BOPO) data can be shown at the following graph: Graph 3 Cost-to-Income Ratio Development of Islamic Commercial Banks 2015- 2017 Source : Islamic Banking Statistic
Image of page 20
Journal of Islamic Economic Laws -January, Vol. 2, No. 1, 2019 50 Based on graph 4.3 above, Cost-to-Income ratio (BOPO) of 2015-2017 increased in 2015 at level 97.01% and in 2016 decreased at level 96.23%. In 2017 this ratio decreased to level 94.05%. there were increase and decrease in the development of Cost-to-Income ratio (BOPO). The Non Performing Loan (NPF) Development of Islamic Commercial Banks Non Performing Financing is a comparison of financing provided to third parties and excludes financing of other banks. Non-performing financing is financing of substandard, doubtful, and loss. From the data collected at Syariah Banks in the statistics of syariah banking shows Non Performing Financing (NPF) in 2015 - 2017. Data Non Performing Financing (NPF) can be shown at the following graph: Graph 4 Performing Loan (NPF) Development of Islamic Commercial Banks 2015-2017 Source : Islamic Banking Statistic Based on graph 4 above, Non Performing Financing (NPF) of 2015-2017 decreased in 2015 at 4.84% in 2016 decreased at 4.42%, In 2017 increased at 5.27% Increased and decreased
Image of page 21
Wahyu Intan Kusumastuti and Azhar Alam 51 development Non Performing Financing (NPF) is not seen clearly in the graph above because the increase and decrease is not too significant.
Image of page 22
Image of page 23

You've reached the end of your free preview.

Want to read all 30 pages?

  • Left Quote Icon

    Student Picture

  • Left Quote Icon

    Student Picture

  • Left Quote Icon

    Student Picture

Stuck? We have tutors online 24/7 who can help you get unstuck.
A+ icon
Ask Expert Tutors You can ask You can ask You can ask (will expire )
Answers in as fast as 15 minutes