Evaluation of Bank Liquidity using Gap Analysis – Case Study of Indonesia Islamic Banks

Abstract

The business development of  sharia unit that conducted by parent bank as its conventional bank  is indicated  high-potentially promising year by year. Consequently, business‘s sharia unit needs more funds that derived from operating activity fund of conventional bank as their parent bank.

This signal has been captured by Bank Indonesia from year to year through issuing Circular Letter  No.11/16/DPNP dated 6 Juli 2009. This study is aimed to descriptively evaluate sharia banking liquidity before and after issuing  Bank Indonesia Circular Letter.

As a basic evaluator used by gap analysis approach, by comparing RSA (rate sensitive asset) versus RSL ( rate sensitive liability), the result will be  wheather positive gap or negative gap. The sources data in this study is downloadaed from Bank Indonesia Monthly Statistic of Islamic Banking.

Keywords : RSA,RSL Gap Analysis,