Analisis Return On Equity (ROE) Bank Mega Syariah 2020-2024 dalam kerangka manajemen risiko perbankan syariah

Authors

  • siti khoirun nisa Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Esy Nur Aisyah Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

ROE, islamic banking, bank mega syariah, profitability, risk management

Abstract

Return on Equity (ROE) is a key indicator used to assess a bank’s ability to generate profit from its existing capital. In Islamic banks, ROE is particularly important not only for measuring profitability but also for reflecting the effectiveness of risk management in handling financing activities, liquidity conditions, and operational efficiency. This article analyzes the ROE of Bank Mega Syariah for the period 2020–2024 using data from the bank’s annual reports and theoretical foundations from academic literature. The analysis shows that the ROE of Bank Mega Syariah experienced significant fluctuations: 9.76% (2020), 28.48% (2021), 11.73% (2022), 9.76% (2023), and 9.81% (2024). These changes were influenced by the pandemic, cost-efficiency measures, financing quality, and capital structure. The findings highlight the need for strengthened risk management, increased digitalization, income diversification, and capital optimization to enhance sustainable profitability.

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Published

2025-12-31

How to Cite

nisa, siti khoirun, & Aisyah, E. N. (2025). Analisis Return On Equity (ROE) Bank Mega Syariah 2020-2024 dalam kerangka manajemen risiko perbankan syariah. Maliki Interdisciplinary Journal, 4(2), 296–302. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/20436

Issue

Vol. 4 No. 2 (2026): FEBRUARY

Section

Articles

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