DAFTAR ISI
HALAMAN
JUDUL
....................................................................................
i
LEMBAR
PERSETUJUAN..........................................................................
ii
LEMBAR
PENGESAHAN..........................................................................
iii
SURAT
PERNYATAAN..............................................................................
iv
HALAMAN
PERSEMBAHAN...................................................................v
MOTTO.........................................................................................................vi
KATA
PENGANTAR..................................................................................vii
DAFTAR
ISI
.................................................................................................
x
DAFTAR
TABEL
.........................................................................................
xiii
DAFTAR
GAMBAR ...................................................................................
xiv
DAFTAR
LAMPIRAN.................................................................................
xv
ABSTRAK.....................................................................................................
xvi
BAB I : PENDAHULUAN.........................................................................
1
A.Latar
Belakang
........................................................................... 1
B.
Rumusan Masalah .....................................................................
9
C.
Tujuan Penelitian
....................................................................... 10
D.
Batasan
Penelitian.......................................................................
10
E.
Manfaat Penelitian
..................................................................... 11
BAB II : KAJIAN PUSTAKA.....................................................................
12
A.Penelitian
Terdahulu ................................................................. 12
B.
Kajian Teoritis
............................................................................ 17
1.
Pengertian Bank
................................................................... 17
2.
Pengertian Bank Syari’ah ....................................................
18
3.
Laporan Keuangan Perbankan Syariah ............................. 19
4.
Metode Analisis Laporan Keuangan .................................. 21
5.
Analisis Kinerja Keuangan .................................................. 22
6.
Produk Pendanaan Bank Syariah ....................................... 37
7.
Kinerja Keuangan dalam Perspektif Islam......................... 44
C.
Kerangka Berfikir
....................................................................... 50
D.Hipotesis......................................................................................
50
BAB III : METODE PENELITIAN............................................................. 51
A.Lokasi
Penelitian.........................................................................
51
B.
Jenis dan Pendekatan Penelitian...............................................
51
C.
Data dan Sumber Data
............................................................... 51
D.
Teknik Pengumpulan Data........................................................
52
E.
Definisi
Operasional...................................................................
53
F.
Metode Analisis Data
................................................................. 54
1.
Uji Asumsi Klasik .................................................................
54
a.
Uji autokorelasi ........................................................ ...54
b.
Uji Heteroskedastisitas............................................ ...55
c.
Uji Multikolinearitas ................................................ ...56
d.
Uji Normalitas.......................................................... ...56
2.
Analisis Regresi Linier Berganda ........................................ 57
3.
Pengujian Koefesien Persamaan Regresi ............................ 58
BAB IV: PAPARAN DAN PEMBAHASAN DATA HASIL... 63
A.
Paparan Data Hasil Penelitian .................................................
63
1.
Sejarah Bank Syariah Mandiri ............................................. 63
2.
Visi dan Misi Perusahaan ....................................................
65
3.
Struktur Organisasi Perusahaan ......................................... 67
4.
Ruang Lingkup Kegiatan Perusahaan................................ 67
5.
Penghargaan Bank Syariah Mandiri ................................... 82
6.
Perkembangan Jumlah Pendanaan .................................... 89
7.
Rasio Keuangan Per Bulan Tahun 2005-2007..................... 108
B.
Interpretasi Data Hasil Penelitian............................................
117
1.
Uji Asumsi Klasik
................................................................. 117
2.
Uji F........................................................................................
122
3.
Uji
T........................................................................................
125
4.
Uji Hipotesis..........................................................................
127
C.
Pembahasan Data Hasil Penelitian.......................................... 128
BAB V : PENUTUP
......................................................................................
137
A.
Kesimpulan.............................................................................
...137
B.
Saran.........................................................................................
...139
DAFTAR PUSTAKA..................................................................................
...141
LAMPIRAN
DAFTAR
TABEL
Tabel
1.1 Perkembangan Jaringan Operasional Perbankan Syariah ..........3
Tabel
1.2 Peringkat Pendanaan DPK Bank Umum Syariah .......................8
Tabel
2.1 Penelitian Terdahulu......................................................................13
Tabel
4.1 Penghargaan Bank Syariah Mandiri
.............................................82
Tabel
4.2 Perkembangan Jumlah Pendanaan
...............................................89
Tabel
4.3 Rasio Keuangan Per Bulan BSM.....................................................108
Tabel
4.4 Uji
Autokorelasi................................................................................119
Tabel
4.5 Uji
Heterokedastisitas......................................................................120
Tabel
4.6 Uji
Multikolineritas..........................................................................121
Tabel
4.7 Uji
Normalitas...................................................................................122
Tabel
4.8 Uji F.....................................................................................................123
Tabel
4.9 Tabel
F...............................................................................................123
Tabel
4.10 Model Summary................................................................................124
Tabel
4.11 Uji
T..................................................................................................125
Tabel
4.12 Hasil Uji T........................................................................................126
DAFTAR
GAMBAR
Gambar
2.1 Kerangka Berfikir
..................................................................... 50
Gambar
4.1 Struktur Organisasi Perusahaan .............................................
67
Gambar
4.2 Perkembangan Jumlah Pendanaan.......................................... 90
Gambar
4.3 Capital Adequacy Ratio
(CAR)......................................................110
Gambar
4.4 Kualitas Aktiva Produktif (KAP)...............................................113
Gambar
4.5 Return on
Asset(ROA)..................................................................114
Gambar
4.6 Loan to Deposit Ratio
(LDR).........................................................116
DAFTAR
LAMPIRAN
Lampiran
1 : Ikhtisar Keuangan Periode Januari – Desember Tahun 2005-2007
Lampiran
2 : Prosentase Rasio Keuangan CAR, KAP, ROA dan LDR
Lampiran
3 : Hasil Perhitungan SPSS Uji Asumsi Klasik dan Regresi Linier Berganda
Lampiran
4 : Bukti Konsultasi
Lampiran
5 : Surat Keterangan PKPBI
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