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All Journal Jurnal Comparative : Ekonomi Dan Bisnis Riwayat: Educational Journal of History and Humanities Jurnal Ar Ro'is Mandalika (Armada)
Haryadi, Budhi
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences

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Journal : Jurnal Comparative : Ekonomi Dan Bisnis

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A STRATEGIC MANAGEMENT APPROACH TO STABILIZING RISK, GOVERNANCE, EARNINGS, AND CAPITAL UNDER A NEW VISION OF PT. BANK MUAMALAT INDONESIA Sazly, Syukron; Haryadi, Budhi; Siregar, Otto; Siswantoro, Yuni
Jurnal Comparative: Ekonomi dan Bisnis Vol 7, No 2 (2025): May
Publisher : Univesitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/combis.v7i2.13984

Abstract

This study aims to analyze the strategic management approach of PT. Bank Muamalat Indonesia, Tbk in improving financial health and realizing the new vision established in 2025. The method used is qualitative descriptive with secondary data analysis from financial reports, OJK publications, and other relevant documents. The result shows, the bank faced significant challenges in the initial years following the new vision’s launch, particularly in the indicators of NPF (2.34%), BOPO (105%), and ROA (0.3%), although CAR (15%) and FDR (82%) remained relatively strong. Strategic management was applied through strengthening risk management, operational efficiency via digitalization, sharia product innovation, and internalization of blessing values as part of the organizational culture. The study’s limitations include a greater focus on quantitative data than qualitative data and a case study limited to a single institution, requiring caution in drawing conclusions. Future research is recommended to use mixed methods and compare practices with other sharia banks so that, evaluation and benchmarking is believed to enhance Bank Muamalat’s competitiveness and sustainability.
Co-Authors Edi Mulyadi Otto Siregar Pulungan, Setyo Budi Samsul Hadi Sazly, Syukron Siswantoro, Yuni Syamsul Bahri Yopita S.S, Nova Rosa Yopita, S.S, Nova Rosa