Lampiran 1 : Intellectual Capital

Lampiran 1 : Intellectual Capital No 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22

Bank Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah

Tahun 2010 2010 2010 2010 2010 2010 2010 2010 2010 2011 2011 2011 2011 2011 2011 2011 2011 2011 2012 2012 2012 2012

Intellectual Capital VACA 0.596845 0.276629 0.403295 0.108435 0.047025 0.385328 0.043641 0.084455 0.967973 0.563568 0.378265 0.661387 0.253577 0.137209 0.237923 0.060465 0.200611 0.870599 0.554374 0.496445 0.431827 0.310892

VAHU

STVA

1.936784 1.910231 2.051884 1.475336 0.565104 1.377920 0.745780 1.219965 1.305673 1.795032 1.905728 2.113718 0.459979 1.304329 1.436513 1.829806 1.643013 1.242021 1.943695 2.231328 1.426899 1.164073

0.483680 0.476503 0.512643 0.322189 -0.769586 0.274269 -0.340878 0.180304 0.234111 0.442907 0.475266 0.526900 -1.174013 0.233323 0.303870 0.453494 0.391362 0.194861 0.485516 0.551836 0.299180 0.140947

VAIC TM 3.017309 2.663363 2.967823 1.905960 -0.157457 2.037517 0.448544 1.484724 2.507757 2.801507 2.759260 3.302006 -0.460458 1.674860 1.978306 2.343765 2.234986 2.307481 2.983585 3.279610 2.157906 1.615911

No 23 24 25 26 27 28 29 30 31 32 33 34 35 36

Bank Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah

Tahun 2012 2012 2012 2012 2012 2013 2013 2013 2013 2013 2013 2013 2013 2013

VACA 0.164269 0.268614 0.142472 0.087088 0.924012 0.386602 0.382589 0.344031 0.485088 0.183224 0.297252 0.122693 0.237817 0.732867

Intellectual Capital VAHU STVA 1.280766 0.219217 1.497055 0.332022 3.490200 0.713483 0.696993 -0.434734 1.790031 0.441350 1.931501 0.482268 2.177187 0.540692 1.459548 0.314856 1.371327 0.270779 1.411988 0.291779 1.456081 0.313225 1.824362 0.451863 1.373161 0.271753 1.569865 0.363003

VAIC TM 1.664253 2.097690 4.346155 0.349347 3.155394 2.800371 3.100469 2.118436 2.127194 1.886991 2.066558 2.398918 1.882730 2.665735

Lampiran 2 : Islamicity Performance Index Akun Mudharabah Musyarakah Total Financing Total Asset Zakat Total Revenue

2010

BSM 2011

4,173,681,797,450 4,221,305,155,711 23,968,469,000,000 32,481,873,142,495 14,582,880,512 2,172,933,000,000

4,590,780,845,924 5,112,172,432,733 36,730,000,000,000 48,671,950,025,861 19,177,801,129 3,072,468,886,992

4,161,500,769,523 6,049,076,989,927 44,750,000,000,000 54,229,395,784,522 28,131,606,226 3,909,974,353,870

3,703,697,897,843 7,048,707,025,566 50,460,000,000,000 63,965,361,177,789 22,662,472,354 4,550,328,403,208

Earning After Tax Employee's Expense Tax paid Directors'Remuneration Employee's Welfare Income Halal

418,519,817,953 622,678,606,037 150,212,521,997 15,882,434,870 622,678,606,037 2,177,211,002,919

551,070,247,617 964,882,009,934 196,863,996,419 19,793,182,023 964,882,009,934 3,079,226,891,141

805,690,561,013 1,192,402,774,018 291,442,081,821 30,885,232,387 1,192,402,774,018 3,917,427,909,463

651,240,189,470 973,159,658,117 232,596,232,345 35,956,742,381 973,159,658,117 4,560,076,211,285

Income non-Halal Total Income Equity Total Expense

561,546,776 2,177,772,549,695 2,020,615,074,975 1,593,895,782,451

610,212,906 3,079,837,104,047 3,073,264,468,871 2,312,114,845,976

453,611,371 3,917,881,520,834 4,180,690,176,525 2,792,163,660,403

191,243,336 4,560,267,454,621 4,861,998,914,310 3,653,577,317,116

Akun Mudharabah Musyarakah Total Financing Total Asset Zakat

2010 1,364,534,388,000 5,979,043,571,000 15,917,690,000,000 21,400,793,090,000 1,293,799,000

2011 1,498,296,551,000 8,176,819,533,000 22,486,620,000,000 32,479,506,528,000 4,406,000,000

2012 1,985,586,533,000 12,819,798,193,000 32,861,440,000,000 44,854,413,084,000 6,840,000,000

2013 2,225,162,877,000 18,673,772,593,000 41,786,960,000,000 54,694,020,564,000 9,735,000,000

Total Revenue Earning After Tax Employee's Expense Tax paid Directors'Remuneration Employee's Welfare

1,121,106,217,000 170,938,736,000 253,302,852,000 60,137,971,000 14,479,981,000 253,302,852,000

1,517,795,365,000 273,621,603,000 410,355,072,000 98,048,663,000 23,331,216,000 410,355,072,000

1,924,894,989,000 389,414,422,000 546,874,763,000 132,426,899,000 29,109,149,000 546,874,763,000

2,609,940,978,000 475,846,659,000 754,058,623,000 177,773,729,000 29,850,286,000 754,058,623,000

Income Halal Income non-Halal Total Income Equity Total Expense

1,133,535,861,000 1,642,190,000 1,135,178,051,000 1,749,157,222,000 902,971,656,000

1,538,706,819,000 0 1,538,706,819,000 2,067,401,205,000 1,167,036,553,000

1,944,054,551,000 0 1,944,054,551,000 2,457,989,411,000 1,270,672,315,000

2,624,411,093,000 3,527,718,644 2,627,938,811,644 4,291,093,718,000 1,736,742,769,000

2012

2013

BMI

Akun Mudharabah Musyarakah Total Financing Total Asset Zakat Total Revenue

2010 387,425,000,000 922,365,000,000 5,090,600,000,000 6,856,386,000,000 587,000,000 456,695,000,000

BRI SYARIAH 2011 598,464,000,000 1,123,372,000,000 9,170,300,000,000 11,200,823,000,000 1,801,000,000 679,865,000,000

Earning After Tax Qard and Donation Employee's Expense Tax paid Directors'Remuneration Employee's Welfare

10,954,000,000 34,000,000 189,999,000,000 7,099,000,000 2,748,000,000 189,999,000,000

11,654,000,000 4,631,000,000 302,475,000,000 5,047,000,000 3,435,000,000 302,475,000,000

101,888,000,000 2,186,000,000 323,383,000,000 36,164,000,000 4,869,000,000 323,383,000,000

129,564,000,000 6,024,000,000 400,267,000,000 54,378,000,000 7,640,000,000 400,267,000,000


465,696,000,000 7,000,000 465,703,000,000 955,022,000,000 265,839,000,000

691,495,000,000 27,000,000 691,522,000,000 966,676,000,000 354,623,000,000

986,894,000,000 47,000,000 986,941,000,000 1,068,564,000,000 848,842,000,000

1,115,232,000,000 337,000,000 1,115,569,000,000 1,698,128,000,000 931,290,000,000

Akun Mudharabah Musyarakah Total Financing Total Asset

2010 83,201,000,000 594,566,000,000 3,558,485,000,000 6,394,924,000,000

BNI SYARIAH 2011 89,383,000,000 855,953,000,000 5,310,292,000,000 8,466,887,000,000

2012 287,064,000,000 966,531,000,000 7,631,994,000,000 10,645,313,000,000

2013 709,218,000,000 1,059,082,000,000 11,242,241,000,000 14,708,504,000,000

Zakat Total Revenue Earning After Tax Employee's Expense Tax paid Directors'Remuneration

0 301,975,000,000 36,512,000,000 77,280,000,000 222,000,000 1,215,000,000

2,579,000,000 593,549,000,000 66,354,000,000 183,764,000,000 22,902,000,000 3,838,000,000

3,169,000,000 729,459,000,000 101,892,000,000 317,073,000,000 35,852,000,000 3,037,000,000

4,538,000,000 1,061,877,000,000 117,462,000,000 461,512,000,000 62,154,000,000 4,017,666,667

Employee's Welfare Income Halal Income non-Halal Total Income Equity Total Expense

77,280,000,000 302,621,000,000 0 302,621,000,000 1,051,450,000,000 265,887,000,000

183,764,000,000 593,549,000,000 0 593,549,000,000 1,076,677,000,000 504,293,000,000

317,073,000,000 729,459,000,000 254,000,000 729,713,000,000 1,187,218,000,000 677,436,000,000

461,512,000,000 1,061,877,000,000 121,000,000 1,061,998,000,000 1,304,680,000,000 890,505,000,000

2012 859,252,000,000 1,737,831,000,000 11,403,000,000,000 14,088,914,000,000 2,965,000,000 979,877,000,000

2013 936,688,000,000 3,033,517,000,000 14,167,362,000,000 17,400,914,000,000 5,541,000,000 1,111,030,000,000


2010 91,475,000,000 47,322,000,000 433,000,000,000 874,630,867,793 0 31,680,082,551

BCA SYARIAH 2011 12,910,177,743 193,776,200,188 681,000,000,000 1,217,097,137,461 2,031,589 63,155,202,850


5,470,578,327 25,207,842,563 4,815,376,294 4,896,011,476 25,207,842,563 31,878,980,959

6,772,770,592 32,754,944,488 2,432,831,082 5,196,011,476 32,754,944,488 63,235,044,973

8,359,925,529 39,038,795,029 3,043,062,514 5,646,011,476 39,038,795,029 81,125,482,968

12,701,022,880 40,682,976,814 4,059,878,181 5,927,500,000 40,682,976,814 96,237,055,530


31,878,980,959 302,925,794,455 42,841,770,388

63,235,044,973 311,374,488,072 53,266,752,271

1,423,884 81,126,906,852 304,375,857,598 70,164,704,953

881,705 96,237,937,235 313,516,941,577 79,476,154,469

2012 124,763,336,476 339,617,374,086 1,008,000,000,000 1,602,180,989,705 9,433,286 81,086,363,381

2013 201,866,665,217 532,542,259,329 1,422,000,000,000 2,041,418,847,273 10,000,000 95,826,881,084

BANK BUKOPIN SYARIAH Akun Mudharabah Musyarakah Total Financing Total Asset Zakat

2010 119,790,820,964 421,758,896,890 1,611,773,371,819 2,193,952,328,077 -

2011 219,955,975,932 413,971,801,737 1,914,492,000,000 2,730,026,909,824 -

2012 194,266,643,350 645,993,211,221 2,622,023,000,000 3,616,107,512,472 -

2013 183,708,550,359 645,035,329,494 3,281,655,000,000 4,343,069,056,830 -

Total Revenue Earning After Tax Qard and Donation Employee's Expense Tax paid Directors'Remuneration

198,406,443,095 10,234,143,192 40,147,311,217 4,685,191,954 4,000,000,000

211,711,438,841 12,208,835,206 118,378,785 42,362,712,377 2,812,884,102 4,000,000,000

283,947,158,188 17,297,940,859 25,747,800 48,996,791,279 7,056,155,401 5,941,000,000

366,252,305,090 19,547,650,105 26,357,540 59,737,035,667 7,697,261,025 5,941,000,000

Employee's Welfare Income Halal Income non-Halal Total Income Equity Total Expense

40,147,311,217 223,566,815,724 154,130,941 223,720,946,665 143,565,377,065 208,394,335,576

42,362,712,377 245,291,959,145 297,771,520 245,589,730,665 255,774,212,271 226,800,086,823

48,996,791,279 311,220,062,756 75,120,336 311,295,183,092 273,072,153,130 286,865,966,497

59,737,035,667 401,502,992,154 58,280,920 401,561,273,074 292,619,803,235 374,258,081,025


BANK PANIN SYARIAH 2010 2011 2012 100,792,296,000 269,582,633,000 517,354,418,000 81,044,446,000 48,662,969,000 229,960,632,000 215,970,000,000 705,619,000,000 1,514,448,000,000 458,713,370,000 1,016,878,719,000 2,136,576,111,000 0 0 0 13,329,219,000 47,867,651,000 94,520,835,000

2013 659,220,249,000 690,827,368,000 2,594,825,000,000 4,052,700,692,000 0 137,750,153,000


(7,172,640,000) 8,390,191,000 3,350,504,000 1,972,629,000 8,390,191,000 13,778,003,000

9,233,356,000 14,956,172,000 3,177,368,000 3,182,894,000 14,956,172,000 47,978,751,000

35,056,812,000 19,906,828,000 12,473,185,000 3,721,682,000 19,906,828,000 94,653,836,000

21,332,026,000 35,374,636,000 7,829,474,000 3,884,000,000 35,374,636,000 137,837,081,000


0 13,778,003,000 143,379,413,000 15,910,956,000

0 47,978,751,000 452,609,519,000 35,568,027,000

24,997,000 94,678,833,000 487,666,331,000 45,081,855,000

37,000,000 137,874,081,000 525,995,008,000 108,675,581,000

BANK JABAR BANTEN SYARIAH Akun Mudharabah Musyarakah Total Financing Total Asset Zakat

2010 196,444,502,000 269,607,344,000 1,930,469,000,000 -

2011 200,000,000,000 640,000,000,000 1,766,235,000,000 2,849,451,000,000 -

2012 228,675,189,000 841,992,972,000 2,958,322,000,000 4,239,448,850,000 -

2013 425,306,197,000 821,829,136,000 3,593,760,000,000 4,695,088,075,000 3,000,000

Total Revenue Earning After Tax Employee's Expense Tax paid Directors'Remuneration Employee's Welfare

86,310,817,000 5,392,867,000 34,987,000,000 2,303,051,000

161,902,000,000 18,395,000,000 64,417,000,000 7,374,000,000

34,987,000,000

64,417,000,000

220,797,995,000 (18,180,256,000) 74,898,863,000 4,514,595,000 7,251,427,000 74,898,863,000

288,822,732,000 28,315,837,000 108,720,885,000 12,254,517,000 8,115,079,000 108,720,885,000


86,310,817,000 0 86,310,817,000 505,392,867,000 78,614,899,000

162,070,000,000 1,000,000 162,071,000,000 527,579,000,000 120,649,000,000

220,927,338,000 4,000,000 220,931,338,000 599,442,077,000 243,622,189,000

288,822,732,000 98,000,000 288,920,732,000 627,757,914,000 248,252,376,000


2010 2,861,856,000 137,391,292,000 3,154,177,000,000 4,637,730,250,000 2,162,882,000 785,788,200,000

Earning After Tax Qard and Donation Employee's Expense Tax paid Directors'Remuneration Employee's Welfare

62,854,190,000 17,226,011,000 283,032,585,000 21,498,209,000 5,139,000,000 283,032,585,000


785,788,200,000 185,256,000 785,973,456,000 381,774,835,000 699,272,919,000

BANK MEGA SYARIAH 2011 1,155,626,000 66,958,053,000 4,094,797,000,000 5,564,662,066,000 1,847,617,000 823,130,102,000

2012 9,355,000 33,275,692,000 6,213,570,000,000 8,163,668,180,000 5,930,742,000 1,114,804,978,000

2013 41,907,203,000 7,185,390,000,000 9,121,575,543,000 5,121,471,000 1,341,017,205,000

53,866,660,000 6,948,380,000 305,364,248,000 18,190,395,000 5,948,000,000 305,364,248,000

184,871,633,000 8,039,892,000 320,308,338,000 61,855,941,000 6,812,000,000 320,308,338,000

149,539,953,000 4,838,891,000 359,487,130,000 50,197,432,000 6,431,000,000 359,487,130,000

823,130,102,000 77,000,000 823,207,102,000 435,641,495,000 749,225,429,000

1,114,804,978,000 52,531,000 1,114,857,509,000 620,513,128,000 861,751,500,000

1,359,308,769,000 128,909,000 1,359,437,678,000 770,053,081,000 1,154,449,490,000

Lampiran 3 : Return On Asset No Bank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36

Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah Bank Syariah Mandiri Bank Muamalat Indonesia Bank Rakyat Indonesia Syariah Bank Negara Indonesia Syariah Bank Central Asia Syariah Bank Bukopin Syariah Bank Panin Syariah Banten Jabar Syariah Bank Mega Syariah

Tahun

ROA

2010 2010 2010 2010 2010 2010 2010 2010 2010 2011 2011 2011 2011 2011 2011 2011 2011 2011 2012 2012 2012 2012 2012 2012 2012 2012 2012 2013 2013 2013 2013 2013 2013 2013 2013 2013

2.21% 1.36% 0.35% 0.61% 1.00% 0.74% -2.53% 1.87% 1.90% 1.95% 1.52% 0.20% 1.29% 0.90% 0.52% 2.06% 1.23% 1.58% 2.25% 1.54% 1.19% 1.48% 0.80% 0.55% 3.48% -0.59% 3.81% 1.53% 1.37% 1.15% 1.37% 1.00% 0.69% 1.03% 0.91% 2.33%

BIODATA PENELITI

Nama Lengkap

: Siti Maisaroh

Tempat, Tanggal Lahir

: Probolinggo, 10 Oktober 1992

Alamat Asal

: Jl. Ky. Arif No. 135 Sumberkedawung, Leces-Probolinggo

Alamat Kos

: Jl. Sunan Kalijaga Dalam No. 6 Lowokwaru-Malang

E-mail

: [email protected]

Pendidikan Formal 1996-1998

: TK Kartini Probolinggo

1998-2004

: SD Negeri Sumberkedawung 4 Probolinggo

2004-2007

: SMP Negeri 1 Leces

2007-2010

: SMK Negeri 1 Probolinggo (Akuntansi)

2011-2014

: Jurusan Manajemen Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang

Pendidikan Non Formal 2011-2012

: Program Khusus Perkuliahan Bahasa Arab (PKPBA) UIN Maliki Malang

2011-2012

: Ma’had Sunan Ampel Al-Aly UIN Maliki Malang

2012-2013

: English Language Center (ELC) UIN Maliki Malang

Pengalaman Organisasi 1. Sekretaris Asisten Laboratorium Statistik dan Hadist Fakultas Ekonomi UIN Maliki Malang tahun 2014. 2. Bendahara Organisasi Daerah (Asosiasi Mahasiswa Islam Probolinggo) tahun 2012.

Aktivitas dan Pelatihan 1. Peserta Future Manajement Training Fakultas Ekonomi UIN Maliki Malang Tahun 2011. 2. Peserta pelatian “Teknik Pembuatan makalah dan Teknik Presentasi” UPKM Halaqoh Ilmiah UIN Maliki Malang Tahun 2011. 3. Peserta Seminar Nasional “Menggagas Kemandirian Ekonomi Bangsa” DEMA UIN Maliki Malang Tahun 2011. 4. Panitia pelatihan SPSS di fakultas ekonomi UIN Maliki Malang tahun 2014. 5. Peserta Seminar Educational Talk Show “Technopreneurship With Android” Asosiasi Android Indonesia Tahun 2014. 6. Peserta Seminar Nasional Ekonomi Syariah “Membangun Kesadaran Berekonomi Syariah” Departemen perbankan Syariah dan Otoritas Jasa Keuangan Tahun 2014. 7. Peserta Kuliah Tamu “Peran dan Fungsi Bank Sentral: Dari Masa Rasulullah Sampai Kini” Fakultas Ekonomi UIN Maliki Malang tahun 2014. 8. Peserta Kuliah Tamu Jurusan Manajemen “Entrepreneurship Sebagai Solusi Perekonomian Indonesia, “Stop Dreaming, Let’s Strart Business” UIN Maliki Malang tahun 2014. 9. Peserta pelatihan dan simulasi pasar modal Pojok Bursa BEI di UIN Maliki Malang tahun 2014.

Malang, 10 Januari 2015

Siti maisaroh

Lampiran 1 : Intellectual Capital

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