ANALISIS DETEKSI POTENSI KESULITAN KEUANGAN PADA BANK MUAMALAT INDONESIA DENGAN LOGIT MODEL PERIODE 2008-2017

ANALISIS DETEKSI POTENSI KESULITAN KEUANGAN PADA BANK MUAMALAT INDONESIA DENGAN LOGIT MODEL PERIODE 2008-2017

  • Erman Sutandar S.E.,M.M

Abstract

Banking is an intermediary institution that has the main task of collecting funds
from the community and channeling it back to the community in the form of
loans / financing


In carrying out its duties as a financial services intermediary, Islamic banking
must be more careful because one of the objectives of financial institutions,
especially banks, is to support economic fundamentals from the threat of crisis
and maintain stability.
At the time of the 1998 economic crisis, Bank Muamalat, which was the first
bank in Indonesia to implement sharia principles in its implementation, also did
not avoid financial difficulties that could lead to bankruptcy.


In the past few years, Bank Muamalat Indonesia (BMI) showed a decline in
performance reflected in its financial performance. In 2014 and 2015, Net
Performing Finance (NPF) BMI showed a fairly high level of 6.55% and 7.11%.
This has exceeded the safe threshold of 5%.
This study was conducted to analyze the prediction of financial difficulties in
BMI with a logit model where the dependent variable is a categorical bank
condition. The independent variable used is a CAEL ratio. Here is a descriptive
analysis of each variable.
Keywords: Net Performance Finance, CAEL Ratio


 

Published
Apr 5, 2019
How to Cite
SUTANDAR S.E.,M.M, Erman. ANALISIS DETEKSI POTENSI KESULITAN KEUANGAN PADA BANK MUAMALAT INDONESIA DENGAN LOGIT MODEL PERIODE 2008-2017. Jurnal Kompleksitas, [S.l.], v. 7, n. 1, apr. 2019. ISSN 1978-8754. Available at: <http://ojs.poltek-swadharma.ac.id/index.php/kompleksitas/article/view/10>. Date accessed: 22 apr. 2019.