SKRIPSI PBS
ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA DENGAN METODE ANGELS (Studi pada Bank Umum Syariah Periode 2016-2020)
ABSTRACT The method of measuring bank performance generally uses conventional or non-Islamic assessments. Islamic banks need measurements that can reveal the social and spiritual side. So we need ANGELS (Amanah management, Non-economic wealth, Give out, Earning, capital and assets, Liquidity to market, and socio economic wealth) to reveal these functions. The purpose of this study was to determine the performance of Islamic Commercial Banks using the ANGELS 2016-2020 method. The method used is descriptive quantitative, the data source is obtained from the Annual Report of each Bank. The population in this study is Islamic Commercial Banks registered with the OJK. The sample used is purposive sampling with the criteria of Islamic Commercial Banks with the highest average number of assets (5 highest). The results of this study. The calculation of the Earning Ratio of Islamic Commercial Banks shows that Mandiri Syariah Banks have a bad reputation. The calculation of the asset quality ratio shows that Bank Muamalat and Bank Syariah Mandiri have very good predicates. Calculations on the Capital ratio reveal that all Islamic Commercial Banks have a very good predicate. The calculation of the Liquidity and Sensitivity to Market ratio reveals that Bank Muamalat Indonesia, Bank BRI Syariah, Bank BNI Syariah, and Bank Syariah Mandiri have very good predicate. Keywords: Financial Performance, ANGELS, Shariah General Bank
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