Comparative Analysis Of The Health Level Of Indonesian Sharia Banks And Bank Muamalat Using The Method RISK-Based Bank Rating (RBBR)
Keywords:
health level of bank, Islamic banking performance, Risk-Based Bank Rating (RBBR)Abstract
This study attempts to ascertain the disparities in Health Level between Bank Syariah Indonesia and Bank Muamalat as well as the Health Level between the two banks utilizing the Risk Based Bank Rating (RBBR) approach. Descriptive analysis is the quantitative method used in this research. For normally distributed data, the Independent Sample T-Test is used as the hypothesis test; for non-normally distributed data, the Mann Whitney U-Test is employed. The study's findings indicate that Bank Syariah Indonesia and Bank Muamalat's NPF and GCG ratios fall into the same category that is, healthy. When compared to Bank Syariah Indonesia, Bank Muamalat's FDR ratio is in better shape. Bank Syariah Indonesia is more robust than Bank Muamalat in terms of ROA, ROE, and BOPO ratios. In the meantime, Bank Syariah Indonesia's and Bank Muamalat's CAR ratios fall into the same group that is, exceptionally healthy. The ROE and BOPO ratios of Bank Syariah Indonesia and Bank Muamalat exhibit notable disparities in terms of health. In contrast, Bank Syariah Indonesia and Bank Muamalat do not significantly differ in the NPF, FDR, ROA, CAR, or GCG ratios for the 2020–2022 timeframe.
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