Analisis Tingkat Kesehatan Bank Dengan Menggunakan Rasio CAR, BOPO, FDR, NPF Dan ROA Bank Syariah (Studi Kasus Pada Pt Bank Muamalat Indonesia, Tbk.Tahun 2021-2022)

  • Linda Agustina Institut Agama Islam Negeri Kudus
  • Luluk Fitriyah Institut Agama Islam Negeri Kudus
  • Adelina Citradewi Institut Agama Islam Negeri Kudus
Keywords: islamic bank, health level, ratio


The bank's presentation is determined by its degree of sufficiency, and if the bank is sound, it will operate efficiently and produce the desired advantages. This study intends to assess the financial stability of Bank Mualamat Indonesia by analyzing the CAR, BOPO, FDR, NPF, and ROA ratios for the bank in 2021 and 2022. A descriptive technique is utilized in the quantitative research methodology. Secondary data from financial reports is the data's primary source.  ways to collect information from books, journals, and associated financial reports. The ratio formula is used in data analysis. According to research findings based on an examination of Bank Muamalat Indonesia's soundness level in 2021–2022, it may be deemed to be in good condition from a CAR standpoint. From the BOPO perspective, it may thus be concluded that it is unhealthy. Furthermore, it appears to be healthy when seen from the NPF perspective. From the FDR perspective, it can thus be claimed that it is unhealthy. From the perspective of ROA, the latter might be regarded to be unhealthy.