Jurnal Comparative : Ekonomi Dan Bisnis
Vol 7, No 2 (2025): May

A STRATEGIC MANAGEMENT APPROACH TO STABILIZING RISK, GOVERNANCE, EARNINGS, AND CAPITAL UNDER A NEW VISION OF PT. BANK MUAMALAT INDONESIA

Sazly, Syukron (Unknown)
Haryadi, Budhi (Unknown)
Siregar, Otto (Unknown)
Siswantoro, Yuni (Unknown)



Article Info

Publish Date
31 May 2025

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.

Copyrights © 2025






Journal Info

Abbrev

jceb

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Comparative: Ekonomi Dan Bisnis merupakan sarana bagi para penulis dan dosen untuk melaksanakan salah satu tridarma perguruan tinggi yaitu penelitian. Jurnal ilmiah ini untuk membantu para dosen Fakultas Ekonomi dan Bisnis baik program studi manajemen dan akuntansi serta dosen pada umumnya ...