Sudirman, Harun Blongkod, Herlina Rasjid, Dewiindrayani Hamin, Muliyani Mahmud, Ilham
The determination of various financial ratios is carried out to present an accurate picture of the level of the banks' financial performance. The purpose of this study was to evaluate the performance of Islamic commercial banks using IPI and MSI. This study used a quantitative descriptive approach with a literature study method. Purposive sampling was used for the data collection, and there were six bank samples taken. The samples were Islamic commercial banks registered with the financial services authority. The data was then analyzed by using IPI and MSI ratios. The result showed that by using IPI, BNI Syariah, and BRI Syariah performed good, while Mandiri Syariah, Panin Dubai Syariah, Muamalat Indonesia, and BCA Syariah performed very good. Measuring the performance by using MSI, BNI Syariah, BRI Syariah, Mandiri Syariah, and Panin Dubai Syariah performed good, while BCA Syariah and Muamalat Indonesia are very good. Furthermore, the average ofIPI and MSI, BNI Syariah, BRI Syariah, Mandiri Syariah, and Panin Dubai Syariah had a good performance, and Muamalat Indonesia and BCA Syariah hasa very good performance. Due to the low level of musyarakah and mudharabah financing, the performance of BNI Syariah and BRI Syariah banks, which are both rated as good, is the reason why their profit-sharing ratio results are still low in comparison to the results of other Islamic banks. The ratio results in the element benefit have a significant impact on the results obtained by Muamalat Indonesia and BCA Syariah, which are categorized as having very good performance. This is particularly the case in the real sector investment ratio, which is high in comparison to the ratios obtained by other banks. © 2023, SRAC - Romanian Society for Quality. All rights reserved.
Faculty of Islamic Economics and Business, State Islamic University of Alauddin Makassar, Makassar, Indonesia; Faculty of Economics, State University of Gorontalo, Gorontalo, Indonesia
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