Analisis tren rasio net imbalan dan net operation margin pada perbankan syariah
Kata Kunci:
Net Income (NI), Net Operating Margin (NOM), Bank Mega Syariah, Financial Performance, Operational EfficiencyAbstrak
This study analyzes the trend of Net Income (NI) and Net Operating Margin (NOM) ratios at PT Bank Mega Syariah Tbk during the period 2018-2023 to evaluate its financial performance and operational efficiency. The results showed that the Net Reward (NI) ratio was generally in the healthy category, although it had dropped to the moderately healthy category in 2020 and 2021. However, in 2022-2023, NI showed improvement again, reflecting the recovery of sharia-based income performance. Meanwhile, the Net Operating Margin (NOM) ratio shows more significant fluctuations. From 2018 to 2020, NOM was in the unhealthy category, but managed to reach the healthy category in 2021 and 2022. However, in 2023, the NOM ratio declined back to the unhealthy category. This finding shows that although PT Bank Mega Syariah Tbk is able to improve its income performance, its operational efficiency still requires improvement in order to maintain stability and consistently healthy category. This research provides important insights for bank management in designing strategies to improve financial performance in the future
Unduhan
Unduhan
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
