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"ABSTRAKThe global financial crisis has affected some industries or non-industries around the world. It has also impacted to Islamic banking in Indonesia, especially after 2007 until 2008. It has been recorded the Islamic banking industry in Indonesia shows a speedy recovery from the impact of the global financial crisis. Thus, this study aims to evaluate and examine the differences of Islamic bankings financial performance after the global financial crisis in Indonesia. The financial performances in this study are profitability ratio Return on Asset ROA and Return on Equity ROE, liquidity ratio Financing to Deposit Ratio FDR and Current Asset Ratio CAR and solvency risk ratio Equity Multiplier E and Debt to Equity Ratio DER. The samples in this study are the six Islamic banks from Islamic Commercial Banks Bank Usaha Sharia BUS and Islamic Business Unit Banks Unit Usaha Sharia UUS in Indonesia. Based on the results shows by the descriptive statistic, UUS is more effective in using their assets to generate income compared to BUS, but BUS is greater to manage their financing and more liquid than UUS whose has higher risk than BUS during 2009 until 2013. Independent sample t test shows that there is significant difference in terms of profitability, liquidity and solvency risk ratio between BUS and UUS Indonesia during 2009 until 2013."

"Dewasa ini pertumbuhan kredit konsumsi khususnya kredit kendaraan bermotor (KKB) meningkat pesat setiap tahunnya. Pertumbuhan KKB ini sangat rentan terhadap risiko kredit. Oleh karena itu, Bank Indonesia menerbitkan Surat Edaran Nomor 14/10/DPNP tanggal 15 Maret 2012 tentang Penerapan Manajemen Risiko pada Bank Umum yang Melakukan Pemberian Kredit Pemilikan Rumah dan Kredit Kendaraan Bermotor. Skripsi ini membahas mengenai pengaturan KKB pada bank umum terkait diberlakukannya Surat Edaran tersebut, dan bagaimana dampak dari pemberlakuan Surat Edaran tersebut ditinjau dari jumlah pemberian kredit pada bank umum dan Bank X khususnya, dan pengelolaan risiko kredit di bidang KKB pada Bank X. Tujuan penelitian ini adalah untuk menganalisis apakah pemberlakuan Surat Edaran tersebut dapat melindungi perbankan dari risiko kredit di sektor KKB. Penelitian ini merupakan penelitian yuridis-normatif (normative legal research) dengan studi kepustakaan. Hasil penelitian dalam skripsi ini menyarankan agar Surat Edaran tersebut tetap diberlakukan pada masa yang akan datang karena Surat Edaran tersebut telah berhasil mencapai tujuannya yaitu menekan jumlah pemberian KKB dan menekan jumlah Non Performing Loan KKB pada bank umum.

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Nowadays the growth of consumer credit particularly in vehicle ownership loans ('KKB') increased rapidly every year. The 'KKB' growth is very susceptible to credit risk. Therefore, Bank Indonesia issued Circular Letter No. 14/10/DPNP dated March 15, 2012 on the Application of Risk Management in Commercial Banks that Giving House Ownership Loans and Vehicle Ownership Loans. This thesis discusses the 'KKB' arrangements with commercial banks linked the Circular Letter, and how the impact of the implementation of the Circular in terms of total loans at commercial banks and Bank X in particular, and the credit risk management in the field of 'KKB' in Bank X.

The purpose of this study was to analyze whether the application of the Circular to protect the banking sector from the credit risk in 'KKB'. This research is a juridical-normative (legal normative research) with a literature study. The results in this paper suggest that the Circular be honored in the future because of the Circular has managed to achieve its goal of suppressing the number of 'KKB' administration and reduce the number of non-performing loans of 'KKB' in commercial banks."

"Skripsi ini menganalisa mengenai faktor-faktor yang mempengaruhi profitabilitas dan jumlah loan Bank komersial di Indonesia. Tujuan dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh dari keadaan makro ekonomi (GDP),market share bank pemerintah (Bankcon), proporsi industri perbankan terhadap makro ekonomi Indonesia (AssetG), suku bunga, Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), besaran asset bank (Size), dan Karakteristik kepemilikan bank untuk meningkatkan profitabilitas dan jumlah Loan Bank di Indonesia. Dalam penelitian ini, digunakan metode data panel dengan estimasi Random.Dari hasil penelitian yang telah dilakukan dengan menggunakan aplikasi Eviews, didapatkan hasil bahwa proporsi industri perbankan terhadap makro ekonomi Indonesia (AssetgG), CAR, dan besaran asset bank (Size) signifikan mempengaruhi profitabilitas dan GDP, NPL, CAR dam ROE berpengaruh secara signifikan terhadap perubahan jumlah Loan.

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This study analyzed determinant factors influence profitability and loans amount of commercial banks in Indonesia. Purpose of this study is to identify in which extent of influence macro-economic conditions (GDP), market shares of state own banks (Bankcon), banking industry proportion on macro-economic conditions in Indonesia (AssetG), interest rates, Non Performing Loan (NPL,) Capital Adequacy Ratio (CAR), bank asset (Size), and the characteristics of bank ownership to improve profitability and amount of loan bank in indonesia. This study involves the method of panel data with Random Effects estimation.

The finding as a result from using application eviews, banking industry proportion on macro-economic conditions in Indonesia (AssetG), CAR and bank asset (Size) influence significantly to profitability and GDP, NPL, CAR, and ROE influence significantly to the changing amount of loan."

"Complexity of agency relationship in commercial bank demand special monitoring systems covered both market-based and regulatory measures to prevent moral hazards associated with the existence if information asymmetry. Unfortunately conflicting objectives between the two measures sometimes occurs. In this case i argue that monitoring system should focus on signals of the risk exposures confronted by bank."