ANALISIS PERBANDINGAN RISK & RETURN PEMBIAYAAN ANTAR BPRS DI YOGYAKARTA DENGAN METODE RAROC

The purpose of this research is to invetigate the amount of potential return
on financing that has been adjusted with the risk on BPRSs in Yogyakarta which
is dominant to channel the financing in the form of murabahah and BPRSs which
dare to move to the financing of profit sharing with RAROC method. The data
used are time series data of guarterly period of March 2012 until December 2015
Jrom four BPRSs, where two BPRSs are dominant in allocating murabahah
Jinancing, which are BPRS Mitra Harmoni and BPRS Mitra Amal Mulia, and two
BPRSs whose 4549 of the financing is allocated in the form of profit sharing
(musyarakah and mudharabah) namely BPRS Bangun Drajat Warga and BPRS
Barokah Dana Sejahtera. The results af this study indicate that BPRS Mitra Amal
Mulia has the highest RAROC value, while the worst RAROC value is found in
BPRS Mitra Harmoni. While for BPRS whose 4544 of its financing is allocated in
the form of profit sharing (BPRS Bangun Drajat Warga and BPRS Barokah Dana
Sejahtera) has RAROC value under BPRS Mitra Amal Mulia but above BPRS
Mitra Harmoni. From the results of this study it can be seen that the BPRSs that
anticipate the risk by more channeling the financing in the form of murabahah do
not necessarily have a return that has been adjusted with a higher risk of BPRS
who dare to distribute financing to the principle of profit sharing.

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