Nama : IDHAM KHOLID NIM : 083144166/K4 083144166/K4 FEBI
BMT merupa merupakan kan saa! saa! sa"u m#$e m#$e em%a& em%a&aa keuan& keuan&an an s'ar(a! s'ar(a! 'an& 'an& pa(n& pa(n& se$er!ana 'an& saa" (n( %an'ak mun)u $an "en&&eam $( In$#nes(a* +a'an&n'a, &a(ra! mun)u mun)un'a n'a %e&("u %e&("u %an'ak %an'ak BMT $( In$#ne In$#nes(a s(a "($ak "($ak $($uku $($ukun& n& #e! #e! -ak"#r -ak"#r.-a .-ak"# k"#r r pen$ukun& 'an& memun&k(nkan BMT un"uk "erus %erkem%an& $an %eraan $en&an %a(k* Fak"a 'an& a$a $( apan&an menunukkan %an'akn'a BMT 'an& "en&&eam $an %u%ar 'an& $(se%a%kan #e! %er%a&a( ma)am !a an"ara a(n: manaemenn'a 'an& am%ura$u, pen&e#a 'an& "($ak amana! $an pr#-es(#na, "($ak $(per)a'a mas'araka", kesu("an m#$a* Ak(%a"n'a, )("ra 'an& "(m%u $( mas'araka" san&a" eek* BMT ($en"(k $en&an eek, "($ak $apa" $(per)a'a, $an se%a&a(n'a* +ua"u +ua"u BMT "e"ap "e"ap !arus !arus memenu memenu!( !( kr("er( kr("er(a.k a.kr("e r("er(a r(a a'akn' a'akn'aa se%ua! se%ua! %ank %ank s'ar(a! %esar $en&an %er(%u.r(%u nasa%a!n'a* +aa! sa"u aasan 'an& se$er!ana a$aa! se%ua! em%a&a 'an& men&e#a men&e#a uan& mas'araka", mas'araka", "en"un'a !arus kre$(%e, kre$(%e, $apa" $(per)a'a #e! mas'araka"* Tingkat Kesehatan BMT
T(n& T(n&ka ka"" kese kese!a !a"a "an n BMT BMT meru merupa paka kan n sua"u sua"u k#n$ k#n$(s (s(( 'an& 'an& "er( "er(!a" !a" se%a se%a&a &a(( &am%aran k(nera $an kua("as BMT, 'an& $(pen&aru!( #e! %er%a&a( -ak"#r $an $apa" mempen mempen&aru &aru!( !( ak"(( ak"(("as "as BMT ser"a ser"a pen)ap pen)apa(an a(an "ar&e" "ar&e"."ar ."ar&e" &e" BMT, BMT, un"uk un"uk an&ka an&ka pen$ek maupun an&ka panan&* en(a(an en(a( an "(n&ka" kese!a"an BMT san&a" %erman-aaa" un"uk mem%er(kan &am%aran men&ena( k#n$(s( ak"ua BMT kepa$a p(!ak.p(!ak 'an& %erkepen"(n&an, "eru"ama %a&( nasa%a! $an pen&e#a* sea(n ("u, $en&an men&e"a!u( "(n&k "(n&ka" a" kese!a kese!a"an "ann' n'aa akan akan mem%an mem%an"u "u p(!ak. p(!ak.p(! p(!ak ak "er"en" "er"en"u u $aam $aam pen&am pen&am%( %(an an kepu"usan se!(n&&a "er!(n$ar $ar( kesaa!an pen&am%(an kepu"usan* Be%erapa -ak"#r %a(k (n"erna maupun eks"erna 'an& $apa" mempen&aru!( se)ara an&sun& maupun "($ak an&sun& "er!a$ap "e r!a$ap "(n&ka" kese!a"an BMT, 'a("u: 1* Fak" Fak"#r #r +DM, +DM, k#n$ k#n$(s (s(( BMT BMT san& san&a" a" $(pe $(pen& n&ar aru! u!(( #e! #e! kema kemamp mpua uan n +DM +DM $aa $aam m men&e#a BMT* 2* Fak"#r Fak"#r sum%er sum%er $a'a, $a'a, "ermasuk "ermasuk $($aamn' $($aamn'aa a$aa! $ana $an $an -as(("as -as(("as kera* kera* Daam meakukan pen(a(an "er!a$ap BMT "er$apa" aspek 'an& mena$( a)uan $asar pen(a(an* Dasar pen(a(an (n( men&a)u pa$a s(s"em pen(a(an kese!a"an 'an& 'an& $(keua $(keuarka rkan n #e! Bank Bank In$#ne In$#nes(a s(a BI5 BI5 'an& 'an& $(kena $(kena $en&an $en&an (s"(a! (s"(a! AMEL AMEL
ap("a a$e7ua)', Asse" 7ua("', Mana&emen" #- r(sk, Earn(n& a%(("', $an L(7u($("' su--()(en)'5* Ke(ma aspek "erse%u" a$aa! m#$a, kua("as ak"(a pr#$uk"(-, manaemen, ren"a%(("as $an (ku($("as* A$apun (n$(ka"#r $aam pen(a(an "(n&ka" kese!a"an %ank 'an& %aru a$aa! pr#-( res(k#, &##$ )#rp#ra"e &#ernan)e, ren"a%(("as, $an perm#$aan %ank* D(k!ususkan pa$a pr#-( res(k#, a$a $eapan !a 'an& "ermasuk $( $aamn'a, an"ara a(n res(k# kre$(", pasar, (ku($("as, #peras(#na, !ukum, s"ra"e&(s, kepa"u!an $an repu"as( %ank* er(#$e pen(a(an "(n&ka" kese!a"an %ank $(akukan pa(n& kuran& se "(ap semes"er un"uk p#s(s( ak!(r %uan un( $an Desem%er5 ser"a $(akukan pen&k(n(an se9ak"u.9ak"u apa%(a $(perukan* Ber(ku" (n( peneasan me"#$e AMEL : 1. Capital
Kekuran&an m#$a merupakan &eaa umum 'an& $(aam( %ank.%ank $( ne&ara.ne&ara %erkem%an&* Kekuran&an m#$a "erse%u" $apa" %ersum%er $ar( $ua !a, 'an& per"ama a$aa! karena m#$a 'an& uma!n'a ke)(, 'an& ke$ua a$aa! kua("as m#$an'a 'an& %uruk* Den&an $em(k(an, pen&a9as %ank !arus 'ak(n %a!9a %ank !arus mempun'a( m#$a 'an& )ukup, %a(k uma! maupun kua("asn 'a* +ea(n ("u, para peme&an& sa!am maupun pen&urus %ank !arus %enar.%enar %er"an&&un& a9a% a"as m#$a 'an& su$a! $("anamkan* a$a saa" (n( pers'ara"an un"uk men$(r(kan %ank %aru memerukan m#$a $(se"#r se%esar p* 3 "r('un* Namun %ank.%ank 'an& saa" ke"en"uan "erse%u" $(%erakukan su$a! %er$(r( uma! m#$an'a mun&k(n kuran& $ar( uma! "erse%u"* en&er"(an ke)ukupan m#$a "erse%u" "($ak !an'a $(!("un& $ar( uma! n#m(nan'a, "e"ap( u&a $ar( ras(# ke)ukupan m#$a, a"au 'an& ser(n& $(se%u" se%a&a( ap("a A$e7ua)' a"(# A5* as(# "erse%u" merupakan per%an$(n&an an"ara uma! m#$a $en&an ak"(a "er"(m%an& menuru" r(s(k# ATM5* a$a saa" (n( sesua( $en&an ke"en"uan 'an& %eraku, A sua"u %ank sekuran&.kuran&n'a se%esar 8;* 2. Assets Quality
Daam k#n$(s( n#rma se%a&(an %esar ak"(a sua"u %ank "er$(r( $ar( kre$(" $an ak"(a a(n 'an& $apa" men&!as(kan a"au mena$( sum%er pen$apa"an %a&( %ank, se!(n&&a en(s ak"(a "erse%u" ser(n& $(se%u" se%a&a( ak"(a pr#$uk"(-* Den&an ka"a a(n, ak"(a pr#$uk"(- a$aa! penanaman $ana Bank %a(k $aam rup(a! maupun au"a as(n& $aam %en"uk pem%(a'aan, p(u"an&, sura" %er!ar&a, penempa"an, pen'er"aan m#$a, pen'er"aan m#$a semen"ara, k#m("men $an k#n"(ens( pa$a "ransaks( reken(n&
a$m(n(s"ra"(-* D( $aam men&ana(s(s sua"u %ank pa$a umumn'a per!a"(an $(-#kuskan pa$a ke)ukupan m#$a %ank karena masaa! s#ens( meman& pen"(n&* Namun $em(k(an, men&ana(s(s kua("as ak"(a pr#$uk"(- se)ara )erma" "($aka! kaa! pen"(n&n'a* Kua("as ak"(a pr#$uk"(- %ank 'an& san&a" eek se)ara (mp(s(" akan men&!apus m#$a %ank*
en(a(an "er!a$ap -ak"#r manaemen $(akukan $en&an pen$eka"an kua("a"(- "er!a$ap pen(a(an k#mp#nen.k#mp#nen seuma! 30 per"an'aaan $en&an %#%#" sk#r 1 (ka semua a9a%an per"an'aan =>a? un"uk e%(! easn'a $apa" $(r(n)( se%a&a( %er(ku": a. Manaemen @mum D(n(a( a"as $asar per"an'aan
$en&an %#%#" n(a( 3 a"au se"(ap per"an'aan
men$apa" sk#r 0,6 apa%(a a9a%an per"an'aan =>a= $an sk#r 0 (ka a9a%an =T($ak? %* Manaemen Keem%a&aan D(n(a( $en&an per"an'aan $en&an %#%#" n(a( 3 a"au se"(ap per"an'aan men$apa" sk#r 0,6 apa%(a a9a%an =>a= $an sk#r 0 (ka a9a%an =T($ak= )* Manaemen erm#$aan D(n(a( $en&an per"an'aan $en&an %#%#" n(a( 3 a"au se"(ap per"an'aan men$apa" sk#r 0,6 apa%(a a9a%an =>a= $an sk#r 0 (ka a9a%an =T($ak= $* Manaemen Ak"(a D(n(a( $en&an per"an'aan $en&an %#%#" n(a( 3 a"au se"(ap per"an'aan men$apa" sk#r 0,6 apa%(a a9a%an =>a= $an sk#r 0 (ka a9a%an =T($ak= e* Manaemen L(ku($("as D(n(a( $en&an per"an'aan $en&an %#%#" n(a( 3 a"au se"(ap per"an'aan men$apa" sk#r 0,6 apa%(a a9a%an =>a= $an sk#r 0 (ka a9a%an =T($ak= 4. Eisiensi (Ei!ien!y) Aspek E-(s(ens( a$aa! pen(a(an aspek "er!a$ap seau!mana "(n&ka" e-(s(ens( k(nera k#peras( se!(n&&a pa$a ak!(rn'a akan $apa" memper#e! keun"un&an 'an& #p"(ma $en&an "($ak men&uran&( k#mpe"("(- pea'anan kepa$a an&&#"a $an n#n an&&#"a* Daam !a (n( $($asarkan pa$a ana(s(s as(# Be%an Operas( An&&#"a "er!a$ap ar"(s(pas( Bru"#* Ana(s(s as(# (n( a$aa! per%an$(n&an Be%an Operas( An&&#"a uma! %e%an p#k#k $("am%a! Be%an @sa!a An&&#"a $an Be%an
erk#peras(an / un"uk @+ Be%an erk#peras(an $(!("un& se)ara pr#p#rs(#na5 $(%a&( $en&an ar"(s(pas( Bru"# K#n"r(%us( an&&#"a kepa$a k#peras( se%a&a( (m%aan pen'era!an %aran& $an asa kepa$a an&&#"a5 ka( 100 ; * +asaran ana(s(s (n( un"uk men&e"a!u( "(n&ka" e-(s(ens( %e%an %(a'a usa!a $an %e%an #r&an(sas( (ka $(%an$(n& pen$apa"an 'an& $(per#e! $ar( an&&#"a, se!(n&&a semak(n ren$a! ras(# semak(n e-(s(en* ". #ikui$itas (li%ui$ity) Aspek (n( $(&unakan un"uk men&ana(sa $an men&(n"erpresen"as(kan p#s(s( keuan&an an&ka pen$ek $an u&a san&a" mem%an"u %a&( manaemen un"uk e-(s(ens( m#$a kera*
DAFTA @+TAKA
M. Nur Rianto Al Arif, pengantar ekonomi syariah teori dan praktek. CV. Pustaka setia:Bandung 2015.
SR!PS! "ulfa Sai#an, Analisis Tingkat Kesehatan KSPS BMT Rama Tahun 2010 $S%A!N: Salatiga, 2011&
