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Halimu, Mastia M
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Mengukur Performa Keuangan: Perbandingan BRI dan Bmi Sebagai Representasi Bank Konvensional dan Syariah: Measuring Financial Performance: Comparison of Bri and BRI as Representations of Conventional and Syariah Bank Halimu, Mastia M; Rika Yunita Pratiwi; Liswan Rusman
Jurnal Kolaboratif Sains Vol. 8 No. 6: Juni 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i6.7780

Abstract

Penelitian ini bertujuan untuk menganalisis dan membandingkan kinerja keuangan antara bank konvensional dan bank syariah, dengan mengambil studi kasus pada Bank Rakyat Indonesia (BRI) sebagai bank konvensional dan Bank Muamalat Indonesia (BMI) sebagai bank syariah. Penelitian menggunakan data sekunder berupa laporan keuangan tahunan periode 2020-2024. Metode analisis yang digunakan adalah analisis rasio keuangan yang mencakup rasio profitabilitas (ROA, ROE), rasio likuiditas (FDR/LDR), dan rasio efisiensi (BOPO). Hasil penelitian menunjukkan bahwa BRI memiliki kinerja yang lebih unggul dari segi profitabilitas, sedangkan Bank Muamalat Indonesia (BMI) menunjukkan efisiensi operasional yang lebih baik. Temuan ini memberikan gambaran bagi investor dan regulator dalam mengambil keputusan strategis di sektor perbankan.
Analisis Rasio Solvabilitas Dan Profitabilitas Untuk Mengukur Kinerja Keuangan Pada PT. Jamu dan Farmasi Sido Muncul, Tbk Periode 2017-2023: Analysis of Solvency and Profitability Ratios to Measure Financial Performance at PT. Jamu and Farmasi Sido Muncul, Tbk Period 2017-2023 Nursin, Depianti; Halimu, Mastia M; Ali, Rendi Pranata
Jurnal Ilmiah Produktif Vol. 13 No. 1 (2025): JURNAL ILMIAH PRODUKTIF
Publisher : Fakultas Ekonomi, Universitas Tompotika Luwuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56072/jip.v13i1.879

Abstract

This study aims to determine the financial performance of PT. Jamu and Farmasi Sido Muncul, Tbk using solvency and profitability ratios. This study was analyzed using descriptive analysis techniques, namely data in the form of figures including financial reports in the form of balance sheets and profit and loss data reports at PT. Jamu and Farmasi Sido Muncul, Tbk in 2017-2023 which describe the conditions or events in a real company. The variables used are the solvency ratio projected with the debt to asset ratio and debt to equity ratio and the Profitability Ratio projected with Net profit margin and Return on assets. The results of the study indicate that the Debt to Total Asset Ratio and Debt to Equity Ratio can be said to be less than good. This is evidenced by the results of the calculation of the two solvency ratios, most of which have increased from year to year. Financial performance is measured by the profitability ratio projected with the net profit margin can be said to be good. However, calculated based on the return on asset ratio, most of the financial performance is less than good. Shows that the company has a large financial risk, but also has a great opportunity to generate high profits. From the results obtained, this is due to the company being less able to optimize the resources owned by the company. Both from resources in the form of capital, assets and investments that do not produce enough profit or profit in terms of utilization, the increase fluctuates every year.
Co-Authors Ali, Rendi Pranata Depianti Nursin Liswan Rusman Rika Yunita Pratiwi