ANALISIS PERBANDINGAN KINERJA KEUANGAN DAN RISIKO KEUANGAN BANK PADA BANK MUAMALAT INDONESIA, BANK SYARIAH MANDIRI, DAN BANK MEGA SYARIAH

This study analyzed the comparative financial performance using financial ratios
namely liquidity ratio, solvency ratio, and profitability ratio as well as analyzed
the level of financial risk using a Z-Score model on the Bank Muamalat
Indonesian, Sharia Mandiri Bank and Sharia Mega Bank.
The sampling method was using purposive sampling techniques in accordance
with certain criteria in Islamic banking industry. Observation period was 2009-
2010. The variables in this study, namely: CAR, NPF, ROE, FDR and the WCTA,
RETA, EBITTA, and NWTL.
In general, this study shows that the financial performance and the level of
financial risk at Sharia Mandiri Bank is relatively better when compared with the
Bank Muamalat Indonesia and Bank Mega Syariah.