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All Journal Kartika: Jurnal Studi Keislaman
Asrifah, Dini
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Religion Economics, Econometrics & Finance Education

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Analisis Kinerja Keuangan Bank Muamalat Indonesia Periode 2020-2024 Berdasarkan Metode RGEC: Studi Pasca Akuisisi BPKH Asrifah, Dini; Miftahur Rahman; Septian Fiktor Riyantoro
Kartika: Jurnal Studi Keislaman Vol. 6 No. 2 (2026): Kartika: Jurnal Studi Keislaman (May)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i2.605

Abstract

Academic concerns arise from Bank Muamalat Indonesia (BMI) financial performance pressures due to Covid-19 pandemic, global economic turmoil, and intense sharia banking competition, destipe OJK regulations and BPKH acquisition worth Rp 5 trillion in 2023. This study aims to analyze BMI’s health level from 2020-2024 using RGEC method and compare changes pre- and post-acquisition. Descriptive quantitative method employs secondary data from BMI’s audited annual reports (purposive sampling), analyzed through ratios; NPF, FDR, GCG self-assessment, ROA, ROE, BOPO, and CAR. Results reveal healthy risk profile (average NPF 2,47%, FDR very healthy rank 1-2), stable GCG (rank 2-3), very healthy capital (average CAR >25% rank 1), but weak earnings (ROA/ROE <0,5%, BOPO >96% rnak 4-5). BPKH acquisition effectively strengthens capital and reduces credit risk exposure. Implications recommend BMI pursue cost restructuring, digitalization, and sharia financing expansion for sustainable profitability enhancement.
Co-Authors Miftahur Rahman Septian Fiktor Riyantoro