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All Journal Journal of Economic, Bussines and Accounting (COSTING) Journal of Epidemiology and Public Health Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Jurnal Peduli Masyarakat Transekonomika : Akuntansi, Bisnis dan Keuangan
Utami, Budi Barata Kusuma
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Arts Humanities Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Medicine & Pharmacology Public Health Social Sciences Other

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Journal : Journal of Economic, Bussines and Accounting (COSTING)

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ANALYSIS OF THE FINANCIAL HEALTH OF BANK SYARIAH INDONESIA THROUGH LIQUIDITY RATIOS (CASH RATIO, FDR, AND LCR) FOR THE PERIOD 2021-2023 Hapsari, Wahyu Dewi; Utami, Budi Barata Kusuma
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/sp9b6a84

Abstract

The article examines the financial health of Bank Syariah Indonesia (BSI) through liquidity ratios—Cash Ratio, Financing to Deposit Ratio (FDR), and Liquidity Coverage Ratio (LCR)—during 2021-2023, a period marked by post-pandemic recovery and economic uncertainties. Drawing on literature from Brigham & Houston (2021), IFSB (2021), and OJK (2023), the study employs a quantitative descriptive methodology, analyzing BSI's financial reports to assess liquidity performance. Results reveal a stable Cash Ratio (20%-50%) an optimal FDR (73%-81%), and a high LCR (above 100%), demonstrating BSI's effective liquidity management and adherence to sharia principles. The findings highlight BSI's strong financial health but emphasize the need for proactive liquidity management to navigate future economic challenges. 
Co-Authors Adestu, Zakiyya Salwa Arlina Azka Fardhiasih Dwi Astuti Fatmala, Eva Hanum, Farrah Fadhillah Haq, Rizki Azizul Hastuti, Siti Kurnia Widi Heriyanto, M. Junaidy Iin Narwanti Lestari, Rimadina Sukmasuci Putra, Gea Permana Antara Rahmadani, Nur Izati Rokhmayanti , Rokhmayanti Rokhmayanti, Rokhmayanti Rusdianto Rusdianto, Rusdianto Wahyu Dewi Hapsari Widea Rossi Desvita