SKRIPSI PBS
Pengaruh Asset-Liability Management Terhadap Kinerja Bank Syariah
Abstract
The purpose of this study was to determine the health level of Bank Muamalat Indonesia (BMI) and Bank
Syariah Indonesia (BSI) and to determine the difference in the health level of Bank Muamalat and Bank
Syariah Indonesia. The population in this study were BSI and BMI, the sample used BSI and BMI quarterly
financial report data from 2015-2022. The analysis technique uses multiple linear regression analysis and
independent sample t-test. At BMI, the CR and CAR ratios have no effect on ROA, only the BOPO ratio
has an effect on ROA. Then at BSI, the CR and BOPO ratios affect ROA, while the CAR ratio has no
effect on ROA. The results of the independent t-test show that there are differences between BMI and BSI on
ROA, CR, CAR, and BOPO. The conclusion shows that both in BMI and BSI the CR variable affects
ROA and there are differences in performance between BMI and BSI banks where the performance of Bank
Syariah Indonesia is better than Bank Muamalat.
Keywords: Asset Liability Management, Bank Performance, CAR, BOPO, ROA.
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