Analisis Capital Adequacy Ratio (CAR) Bank Muamalat Indonesia Tahun 2019–2023

Authors

  • Nayla Salsabila Ramadhani Program Studi Perbankan syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

CAR, health of Islamic banks, Bank Muamalat, bank capital, 2019-2020

Abstract

This study aims to evaluate the capital health and financial stability of Bank Muamalat Indonesia for the 2019-2023 period through an analysis of the Capital Adequacy Ratio (CAR). CAR is an important indicator that measures a bank's capital adequacy in bearing risks against its risk-weighted assets (RWA). Data were obtained from the bank's annual report and official OJK publications, then analyzed descriptively longitudinally. The results show that Bank Muamalat's CAR experienced a significant increase from 12.42% in 2019 to 32.70% in 2022, then experienced a moderate decline to 29.42% in 2023. The dramatic increase in 2021-2022 was primarily due to substantial capital injections and the issuance of subordinated instruments, while the decline in 2023 was influenced by asset growth and financing expansion that were faster than capital growth. These findings indicate that although Bank Muamalat is above the regulatory threshold for capital adequacy, the dynamics of expansion and risk pressures still require management and regulatory attention.

Downloads

Download data is not yet available.

Downloads

Published

2025-12-31

How to Cite

Ramadhani, N. S. (2025). Analisis Capital Adequacy Ratio (CAR) Bank Muamalat Indonesia Tahun 2019–2023. Maliki Interdisciplinary Journal, 4(2), 289–295. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/19970

Issue

Vol. 4 No. 2 (2026): FEBRUARY

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • 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.