Evaluasi likuiditas bank muamalat indonesia: Cash ratio sebagai indikator kinerja periode 2020–2024
Abstract
Liquidity is an important factor in maintaining operational stability and customer confidence in Islamic banks. Bank Muamalat Indonesia, as the first Islamic bank in Indonesia, needs to ensure its ability to meet its short-term obligations so that business continuity can be maintained. This study aims to determine the liquidity level of Bank Muamalat Indonesia for the period 2020–2024 using the cash ratio as the main indicator. The method used is a quantitative approach with descriptive analysis, where data is obtained from the bank's annual financial reports covering cash, cash equivalents, and current liabilities. The results show that, in general, Bank Muamalat is in a liquid condition and is able to meet its short-term obligations. However, it was found that liquidity resilience was not yet stable because the cash ratio was below the ideal range, indicating a potential liquidity risk that must be watched out for. Thus, more optimal liquidity management is needed to maintain cash reserves and high-quality liquid assets to support the bank's operational sustainability amid competition in the Islamic banking industry.
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