Erna Nurcahyani, . (2025) ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DI INDONESIA SEBELUM DAN SETELAH COVID-19. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
![[img]](http://repository.upnvj.ac.id/style/images/fileicons/text.png) |
Text
ABSTRAK.pdf Download (140kB) |
|
Text
AWAL.pdf Download (1MB) |
|
Text
BAB 1.pdf Restricted to Repository UPNVJ Only Download (115kB) |
|
Text
BAB 2.pdf Restricted to Repository UPNVJ Only Download (253kB) |
|
Text
BAB 3.pdf Restricted to Repository UPNVJ Only Download (155kB) |
|
Text
BAB 4.pdf Restricted to Repository UPNVJ Only Download (241kB) |
|
Text
BAB 5.pdf Download (102kB) |
|
Text
RIWAYAT HIDUP.pdf Download (307kB) |
|
Text
DAFTAR PUSTAKA.pdf Restricted to Repository UPNVJ Only Download (164kB) |
|
Text
LAMPIRAN.pdf Restricted to Repository UPNVJ Only Download (1MB) |
|
Text
HASIL PLAGIARISME.pdf Restricted to Repository staff only Download (9MB) |
Abstract
This study aims to analyze the comparison of the financial performance of three Islamic banks in Indonesia, namely Bank Mega Syariah (BMS), Bank Aceh Syariah (BAS), and Bank Central Asia Syariah (BCAS), before and after the Covid-19 pandemic. The research period covers 2017-2020 (before the pandemic) and 2021-2024 (after the pandemic). The research method uses descriptive quantitative analysis with secondary data in the form of annual financial reports of these banks. The financial ratios used include Capital Ratio (CAR), Earning Ratio (NPF), Profitability Ratio (ROA, ROE, NIM, BOPO), and Liquidity Ratio (FDR). The results showed that the three banks experienced different performance dynamics. The highest Capital Ratio (CAR) is owned by BCAS (34.3% before and 35.6% after the pandemic), followed by BAS and BMS, with all banks meeting the “Very Healthy” criteria. The best Earning Ratio (NPF) was achieved by BMS (decreased from 2.1% to 1%), indicating an improvement in financing quality. Profitability ratios recorded BMS as the top performer in ROA (up from 1.3% to 2.7%) and ROE (up from 5.4% to 15%), although BAS remained stable in NIM (7.5% before and 6.9% after the pandemic). Liquidity Ratio (FDR) was best for BAS (70.2% before and 74.4% after the pandemic), while BMS and BCAS experienced a decline but remained in the healthy category. The conclusion of this study indicates that the Covid-19 pandemic has had a significant impact on the financial performance of Islamic banks, with BMS showing the most notable improvement in efficiency and profitability.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil: 2210101051] [Pembimbing: Mira Rahmi] [Penguji 1: Suharyati] [Ketua Penguji: Tri Siswantini] |
| Uncontrolled Keywords: | Capital, Earning Assets, Rentability, Liquidity, Financial Performance |
| Subjects: | H Social Sciences > HG Finance L Education > L Education (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | ERNA NURCAHYANI |
| Date Deposited: | 04 Sep 2025 07:21 |
| Last Modified: | 04 Sep 2025 07:21 |
| URI: | http://repository.upnvj.ac.id/id/eprint/38359 |
Actions (login required)
 |
View Item |