How Different is The Financial Performance of Sharia-Based Banks?

Authors

  • Listiana Sri Mulatsih Universitas Bung Hatta
  • Mahelan Prabantarikso Master of Management, Indonesia Banking School
  • Hadi Purnomo Master of Management, Universitas Mitra Bangsa Jakarta
  • Loso Judijanto IPOSS Jakarta
  • Alfiana Department of Management, Faculty of Economics and Business, Universitas Muhammadiyah Bandung

DOI:

https://doi.org/10.54471/iqtishoduna.v13i1.2622

Keywords:

perceived usefulness, online customer experiences, fintech usage, millennial muslim

Abstract

Covernance, Earnings and Capital. Based on the research results, it shows that there is a significant difference between Bank Muamalat Indonesia and Bank Mega Syariah in 2018-2021 in the Risk Profile factor based on the NPF ratio and there is no significant difference based on the FDR ratio. There is a significant difference between the average BMI and BMS in the Earnings factor based on the ROA ratio. A gap was found between the average values ​​obtained by BMI and BMS regarding the capital factor based on the CAR ratio and there was no significant difference between the financial performance of Bank Muamalat Indonesia and Bank Mega Syariah using the RGEC method.  The policy implication of these findings is the importance of viewing a bank's financial performance holistically, not just focusing on one factor such as capitalIn making policy decisions, regulators and bank management must consider these aspects comprehensively to enhance the overall health and performance of the bank.

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Published

2024-04-11

How to Cite

Listiana Sri Mulatsih, Mahelan Prabantarikso, Hadi Purnomo, Loso Judijanto, and Alfiana. “How Different Is The Financial Performance of Sharia-Based Banks?”. IQTISHODUNA: Jurnal Ekonomi Islam 13, no. 1 (April 11, 2024): 309–326. Accessed July 17, 2024. https://ejournal.iaisyarifuddin.ac.id/index.php/iqtishoduna/article/view/2622.

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