PENGARUH RASIO-RASIO KEUANGAN TERHADAP KINERJA KEUANGAN BANK SYARIAH PERIODE TAHUN 2010-2012 (STUDI KASUS PADA BPRS ARTHA SURYA BAROKAH)

Bank is a financial institution whose main activity is to receive deposits from the public and distribute to third parties to obtain and deliver services in payment traffic. Reality show no economic indicators that can be developed without the help of banking institutions. Therefore, the bank holds a strategic role in the economy. The existence of the banking sector in Indonesia is divided into two types of banks, ie commercial banks and rural banks.The population in this study is the overall financial statement SRB Surya Artha Barokah Semarang. Samples taken in this study is the financial statement SRB Surya Artha Barokah 2010-2012. Analysis tool used is multiple linear regression.The results showed that the hypothesis test using the F test showed that the CAMEL variables simultaneously affect the bank's financial performance. Hypothesis testing using t-test showed that there are significant between the RWA, CAR, CAR, KAP, PPAP, PM, ROA, Cash Ratio, on financial performance. The higher RWA, CAR, CAR, KAP, PPAP, PM, ROA, the higher the financial performance of BPR Syariah Surya Artha Barokah Semarang. Hypothesis testing using t-test showed that there is no influence between the Cash Ratio and LDR on financial performance. Cash Ratio and the higher the LDR then it will not affect the financial performance of BPR Syariah Barokah Arta Surya Semarang.Key word : ATMR, KPMM, CAR, KAP, PPAP, PM, ROA, Cash Ratio and financial performance