ANALISIS PERKEMBANGAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) TAHUN 2014-2015 DI WILAYAH KEBUMEN (Studi Kasus di Kebumen)
Abstract
This research is aimed at identifying the development of Sharia Rural
Bank during 2014-2015 in terms of the employees increasing number, technology
development, financial increase such as: third-party funds, the financing and
asset amount from the financing ratios of capital adequacy ratio (CAR), Non
performing Financing (NPF), Return On Equity (ROE), return on Assets (ROA),
Financing Deposit to ratio (FDR) and Operating Income.
The type of this research is qualitative research which benefits primary
and secondary data by interviewing the chief director of several sharia rural
banks in the region of kebumen, they are PT BPRS Ikhsanul Amal, PT BPRS Bumi
Artha Sampang adn PT BPRS Bina Amanah Satria. The data were anlyzed before
and after the study using Miles and Huberman model.
The result indicates that among those three Sharia Rural Banks,
respectively, the amount of their thrid-party and assets is increasing during 2014
to 2015. However, the researcher could only find the ratio data for the year of
2015. The best Sharia Rural Bank among those aforementioned bank is Bumi
Artha Sampang.