EVALUATION OF PERFORMANCE OF ISLAMIC BANKS IN INDONESIA: COMPARATIVE ANALYSIS USING FINANCIAL RATIOS
DOI:
https://doi.org/10.31958/jtm.v10i1.12713Keywords:
Financial Performance, Islamic Banks, Financial RatiosAbstract
This study aims to measure the financial performance effectiveness of Islamic Commercial Banks (BUS) in Indonesia for the period 2018-2022. The financial performance of BUS is measured based on three indicators: liquidity ratio, solvency ratio, and profitability ratio. This research employs a descriptive quantitative method. The data is obtained from the financial statements of BUS in Indonesia, registered with the Financial Services Authority (OJK), and then processed and analyzed. The results show that the liquidity ratios of BUS in Indonesia have experienced changes over the past five years. These changes indicate that BUS must maintain adequate liquidity levels to meet short-term obligations as they mature. The solvency ratios of BUS in Indonesia from 2018 to 2022 also showed varying changes year by year. These changes suggest that BUS must manage and utilize their long-term debt effectively and be able to repay it at any time. The profitability ratios of BUS in Indonesia during the 2018-2022 period also fluctuated. These fluctuations indicate that BUS must continuously maintain their ability to increase and sustain the profits as expected.
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