ABSTRAK Supratul Azwa dan Sulisti Afriani. Tujuan penelitian ini untuk mengetahui kinerja keuangan PT. Bank Pembiayaan Rakyat Syariah (BPRS) Muamalat Harkat Sukaraja. Sedangkan analisis dengan menggunakan metode kuantitatif menggunakan rasio keuangan.. Hasil penelitian menunjukkan bahwa kinerja keuangan PT. Bank Pembiayaan Rakyat Syariah (BPRS) Muamalat Harkat Sukaraja dari sisi likuiditas (rasio LDR) pada tahun 2013 sebesar 143,82% tidak sehat dan pada tahun 2014 sebesar 99,73% meningkat menjadi sehat. Dari sisi solvabilitas (rasio CAR) sehat, yaitu tahun 2013 sebesar 14,49% dan 2014 sebesar 12,72%. Sedangkan dari sisi rentabilitas kinerja keuangan bank sehat baik rasio ROA maupun BOPO. Rasio ROA tahun 2013 sebesar 4,34% dan tahun 2014 sebesar 2,58%. Nilai rasio BOPO tahun 2013 sebesar 51,43% dan tahun 2014 sebesar 58,29%, karena mampu memanfaatkan aset yang ada untuk memperoleh laba maksimal dan melakukan efisiensi biaya dengan baik. ABSTRACT Supratul Azwa dan Sulisti Afriani,.Purpose of this study to determine the financial performance PT. Bank Pembiayaan Rakyat Syariah (BPRS) Muamalat Harkat Sukaraja. While the analysis using quantitative methods using financial ratios. The results showed that the financial performance PT. Bank Pembiayaan Rakyat Syariah (BPRS) Muamalat Harkat Sukaraja terms of liquidity (LDR) in 2013 with a ratio of 143.82% unwell and in 2014 with a ratio of 99.73% increased to be healthy. In terms of solvency (CAR) in 2013 with a ratio of 14.49% and 2014 with a ratio of 12.72% healthy. In terms of liquidity both ROA and BOPO healthy financial performance. Ratio ROA in 2013 with a ratio of 4.34% and in 2014 with a ratio of 2.58%. Ratio BOPO in 2013 with a ratio of 51.43% and in 2014 with a ratio of 58.29%, because it can utilize existing assets to obtain maximum profit and cost efficiency well.
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