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All Journal JURNAL DINAMIKA EKONOMI PEMBANGUNAN Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) Learning Community : Jurnal Pendidikan Luar Sekolah Jurnal Komunikasi Universitas Garut: Hasil Pemikiran dan Penelitian EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Journal of Contemporary Accounting Muhasabatuna: Jurnal Akuntansi Syariah Az-Zahra: Journal of Gender and Family Studies Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Dinamika Al-Istinbath: Jurnal Hukum Islam JAMAS: Jurnal Abdi Masyarakat Neraca Manajemen, Akuntansi, dan Ekonomi Journal of Islamic Law (EJIL) JEMBA: Journal of Economics, Management, Business, and Accounting Al-bank: Journal of Islamic Banking and Finance
Sakinah, Gina
UIN Sunan Gunung Bandung
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Neraca Manajemen, Akuntansi, dan Ekonomi

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ANALISIS KINERJA KEUANGAN BANK SYARIAH INDONESIA BERDASARKAN RASIO PROFITABILITAS PERIODE 2023-2024 Az-Zahra, Shafira Aulia; Sakinah, Gina
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 16 No. 11 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

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Abstract

Penelitian ini bertujuan untuk menganalisis kinerja keuangan Bank Syariah Indonesia (BSI) berdasarkan rasio profitabilitas, yaitu Return on Asets (ROA) dan Return on Equity (ROE) periode 2023-2024. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan data diperoleh dari laporan keuangan resmi tahunan Bank Syariah Indonesia. Hasil analisis menunjukkan nilai ROA pada tahun 2023 sebesar 2,35% meningkat menjadi 2,49% pada tahun 2024 yang menunjukkan adanya peningkatan kemampuan bank dalam memberikan pengembalian modal kepada pemegang saham. Secara keseluruhan, hasil penelitian ini menyimpulkan bahwa profitabilitas Bank Syariah Indonesia sangat sehat dan menunjukkan hasil yang positif sehingga dapat memperkuat daya saing bank syariah di sektor perbankan domestik. Kata kunci: kinerja keuangan, profitabilitas, ROA, ROE, Bank Syariah Indoneia Abstract This study aims to analyze the financial performance of Bank Syariah Indonesia (BSI) based on profitability ratios, namely return on asets (ROA) and return on equity (ROE) for the 2023-2024 period. The research method used is descriptive quantitative, with data obtained from the official annual financial report of Bank Syariah Indonesia. The analysis results show that the ROA value in 2023 was 2.35%, increasing to 2.49% in 2024, indicating an increase in the bank's efficiency in using asets to generate profits. Meanwhile, the ROE value in 2023 was recorded at 16.88% and increased to 17.77% in 2024, indicating an increase in the bank's ability to provide capital returns to shareholders. Overall, the results of this study conclude that the profitability of Bank Syariah Indonesia is very healthy and shows a positive trend, thus strengthening the competitiveness of Islamic banks in the domestic banking sector. Keywords: financial performance, profitability, ROA, ROE, Bank Syariah Indonesia
Co-Authors Ade Ponirah Ade Ponirah Ade, Ade Ponirah Affandi, Lutfi Surya Ahmad, Saidah Az-Zahra, Shafira Aulia Bagio Mudakir Febrina, R. Ismira Gilang Samudra Hidayat, Nendi Nur Intan Nurjanah Irma, Ramadhani Irma Tripalupi Iwan Setiawan Jufrinaldi, Jufrinaldi Kholil, Suparman Lanita, Lanita Lina Yulianti Mudzakir Mudzakir Murtadho, Taufiq Ridwan Murthado, Taufiq Ridwan Muslih, Amar NUR EFENDI Nurhaeti Nurhaeti Ponirah, Ade Purnama Sari, Yesa Tiara Rahmawati, Dian Suci Rahmi, Anna Amalia Serda, Serda Mulyasa Insani Sinta Nurriyah, Laela Susana, Lina Marlina Sylva Alkornia, Sylva Taufiq Ridwan Murtadho Tiara Purnama Sari, Yesa Tripalupi, Ramadhani Irma Ummu Salamah Musaddad Utami, Dhea Maharani Zahra Yusuf, Nasywa Nurunnabilah