Analisis Rasio Permodalan, Likuiditas, Rentabilitas, Kualitas Aktiva Produktif dan NPF di KSPPS BTM Surya Umbulharjo Yogyakarta (Analysis of Capital Ratio, Liquidity, Profitability and NPF at KSPPS BTM Surya Umbulharjo Yogyakarta)
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Published:
Oct 10, 2020
Keywords:
Capital, Liquidity, Profitability, Non-Performing Financing
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Abstract
The main objective of this research is to analyze the ratio analysis of capital, liquidity, profitability, and non-performing financing (NPF) at KSPPS BTM Surya Umbulharjo Yogyakarta. This research is quantitative with a descriptive approach. Source of research data derived from primary and secondary documentation Annual Members Meeting (RAT). The research data analysis technique used is descriptive statistical analysis. This approach is used to provide an overview of the financial performance of KSPPS BTM Surya Umbulharjo Yogyakarta. The results showed that the BTM capital ratio during the study period showed a healthy category, the liquidity ratio was in the liquid category, the profitability ratio showed in the low category, and the NPF ratio showed in the sufficient category.
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Copyright (c) 2020 Mufti Alam Adha, Rofiul Wahyudi
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
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Effendi, J. 2013. “The Role of Islamic Microfinance in Poverty Alleviation and Environmental Awareness an Pasuruan, East Java, Indonesia.” In Universitatsverlag Gottingen, 1–150.
Hassan, A. 2014. “The Challenges in Poverty Alleviation: Role of Islamic Microfinance and Social Capital.” Humanomics 30 (1): 76–90. doi:10.1108/H-10-2013-0068.
Ismanto, Kuat. 2015. “Faktor-Faktor Yang Mempengaruhi Eksistensi BMT/BTM Di Pekalongan.” Jurnal Litbang Kota Pekalongan Vol 9 (January 2015).
Karuniawati, Annisa. 2018. “Kontribusi Pembiayaan Mudarabah Terhadap Peningkatan Ekonomi Anggota di BTM ‘Surya Melati Abadi’ Cabang Mojo Kediri”.
Kholis, N. 2009. “The Contribution of Islamic Microfnance Institution in Increasing Social Welfare in Indonesia (A Case Study of BMT’s Role at Pakem Market Micro Traders in Yogyakarta).”
Lesmana, T. 2008. “‘The Role of Islamic Micro Fnancial Cooperatives (Baitul Maal Wat Tamwil) in Local Economic Development: Case Study of Three Provinces in Indonesia.’” Journal of Islamic Business and Economics 56 (1): 45–49.
Lubis, M. Z. M dan Yatma, B. A. 2018. “Penilaian Kesehatan Bmt At-Taqwa Muhammadiyah Sumatera Barat.” JEBI (Jurnal Ekonomi Dan Bisnis Islam) Volume 3,.
Marina, Anna. 2012. “Meningkatkan Kinerja Berbasis Nilai-Nilai Ekonomi Pada Amal Usaha Muhammadiyah Bidang Kesehatan” 15 (1912): 171–82.
Masyita, D., & Ahmed, H. 2013. “Why Is Growth of Islamic Microfinance Lower than Its Conventional Counterparts in Indonesia?” Islamic Economic Studies 21 (1): 35–62. doi: 10.12816/0000239.
Maulana, Hartomi, Dzuljastri Abdul Razak, and Adewale Abideen Adeyemi. 2018. “Factors Influencing Behaviour to Participate in Islamic Micro Finance.” International Journal of Islamic and Middle Eastern Finance and Management. https://doi.org/10.1108/IMEFM-05-2017-0134.
Nazirwan, M. 2010. ‘Embracing the Islamic Community-Based Microfnance for Poverty Alleviation.”
Wiyati, P., Yusuf, M., & Andayani, T. D. 2016. “Faktor-Faktor yang Mempengaruhi Profitabilitas Lembaga Keuangan Mikro Syariah (LKMS) (Studi pada BTM Se-Kabupaten Pekalongan).” Majalah Neraca.
Ruslaini, R., & Fakhrurozi, M. 2018. “Analisa Kinerja Keuangan BTM Bina Masyarakat Utama di Bandar Lampung.” I-Finance: A Research Journal on Islamic Finance Vol 4 (No 2).
Saefullah, K. 2010. “Cultural Aspects on The Islamic Microfinance: An Early Observation on The Case of Islamic Microfinance Institution in Bandung, Indonesia.” In Strasbourg Workshop on Islamic Finance.
Setiawan, Muhtar Adi, Bambang Budi Utomo, Pendidikan Ekonomi, Kesehatan Koperasi, and Koperasi Simpan Pinjam. 2016. “Analisis Kesehatan Koperasi Simpan Pinjam Syari’ah Baitul Tamwil Muhammadiyah Rasau Jaya Tahun 2014-2015.” Jurnal Pendidikan Dan Pembelajaran 5 (9).
Setyawan, Dharma. 2017. “Moving Ijtihad and Tajdid on Amal USAha Muhammadiyah (Aum) in Building the Civilization of Islamic Economy.” ADDIN 11 (1): 77–100.
Widiyanto, M. & Abdul Ghafar, I. 2010. “Improving the Effectiveness of Islamic Micro-Fnancing”.” Humanomics 26 (1): 66–75.
Wulandari, Permata., & Kassim, Salina. 2016. “Issues and Challenges in Financing the Poor: Case of Baitul Maal Wa Tamwil in Indonesia.” International Journal of Bank Marketing 34 (2). http://dx.doi.org/10.1108/IJBM-01-2015-0007.
Wulandari, Permata. 2019. “Enhancing the Role of Baitul Maal in Giving Qardhul Hassan Financing to the Poor at the Bottom of the Economic Pyramid: Case Study of Baitul Maal Wa Tamwil in Indonesia.” Journal of Islamic Accounting and Business Research 10 (3): 382–91. https://doi.org/10.1108/JIABR-01-2017-0005.