BOPO Ratio Research Articles

Financial Performance Level Analysis Model Bank Victoria Sharia Through The CAMEL, RGEC, And Z-Score Methods

ABSTRACTBackground. The COVID-19 pandemic peak from 2020 to 2021 has significantly impacted the global economy, including Islamic banks. Consequently, this event has sparked interest in researching the health of small-category banks in facing challenges and significant changes, such as PT Bank Victoria Syariah during that period.Purpose .This study aims to examine the concrete impact and handling of these changes through an analysis of the Financial Performance Level focusing on Bank Victoria Syariah during the period from 2019 to 2021.Method. The method used to obtain accurate results is quantitative research with secondary data. The methods employed include CAMEL, RGEC, and Z-score analyses.Results. The research findings indicate that during the COVID-19 pandemic, the financial performance of Bank Victoria Syariah was relatively poor. There is a need to evaluate the bank's management. This is evident from the low profitability component (ROA) generated based on CAMEL analysis. This situation is caused by the very high BOPO ratio based on RGEC, reflecting operational inefficiency and the accumulation of non-performing Finance (NPF). The impact is also evident in the low ROE, even turning negative, posing a risk to the management of Bank Victoria Syariah's financial assets. Z-score analysis indicates that the company is in serious financial difficulty. Consequently, the bank finds it challenging to maximize its efforts and faces difficulties in gaining customer trust, with the possibility of large-scale withdrawal of deposits due to a Reputation crisis.Conclusion. As a result, the management of Bank Victoria Syariah is responsive to communicating necessary changes and concrete steps, improving operational efficiency and effectiveness, collaborate, involve employees in the recovery process, and establish cooperation with regulatory authorities.

Analisis Tingkat Kesehatan Bank Menggunakan Metode RGEC pada Bank BTN Syariah

The background of this research is that there is a gap between theory and reality. The purpose of this study is to analyze bank health using RGEC methods, namely Risk Profile, Good Corporate Governance (GCG), Earning, and Capital. This type of research is quantitative descriptive research using secondary data obtained from Bank BTN Syariah reports published on the Bank BTN Syariah website and the Financial Services Authority (OJK). The results of this research indicate that the health level of Bank BTN Syariah from 2018-2022, measured using the RGEC method based on the Risk Profile factor assessed with the NPF and FDR ratios, obtained a fairly healthy predicate with a value of 2.7. The GCG factor received a healthy predicate with a value of 2. The Earnings factor, evaluated with the ROA, ROE, BOPO, and NIM ratios, obtained a fairly healthy predicate with a value of 2.9. Lastly, the Capital factor, measured with the CAR ratio, received a very healthy predicate with a value of 1.

THE EFFECT OF ASSET-LIABILITY MANAGEMENT ON SHARIA BANK PERFORMANCE

The purpose of this study was to determine the health level of Bank Muamalat Indonesia (BMI) and Bank Syariah Indonesia (BSI) and to determine the difference in the health level of Bank Muamalat and Bank Syariah Indonesia. The population in this study were BSI and BMI, the sample used BSI and BMI quarterly financial report data from 2015-2022. The analysis technique uses multiple linear regression analysis and independent sample t-test. At BMI, the CR and CAR ratios have no effect on ROA, only the BOPO ratio has an effect on ROA. Then at BSI, the CR and BOPO ratios affect ROA, while the CAR ratio has no effect on ROA. The results of the independent t-test show that there are differences between BMI and BSI on ROA, CR, CAR, and BOPO. The conclusion shows that both in BMI and BSI the CR variable affects ROA and there are differences in performance between BMI and BSI banks where the performance of Bank Syariah Indonesia is better than Bank Muamalat.

Analisis perbandingan kinerja manajemen dengan menggunakan metode RGEC (risk profile, good corporate governance, earning, capital) pada bank umum BUMN yang terdaftar pada Bursa Efek Indonesia tahun 2022

Banking is a sector that plays an important role in society, especially in economic development. Bank Indonesia as the bank that supervises banks in Indonesia issued PBI No. 13/1/PBI/2011 regarding the Assessment of the Health Level of Commercial Banks using the RGEC method (Risk Profile, Good Corporate Governance, Earning, Capital). This study aims to compare the management performance of state-owned commercial banks using the RGEC method. The research method used in this research is a descriptive method with a qualitative approach and the data used is secondary data obtained from the published financial statements of BUMN commercial banks. The results showed that the NPL, LDR, and GCG ratios of the management performance of BUMN commercial banks were not much different from the criteria of very healthy and healthy. However, the ROA and BOPO ratios show differences in management performance, where there is one bank that is in the fairly healthy criteria and the other three banks are in the healthy criteria. The CAR ratio of all state-owned commercial banks is very healthy.

Comparative Analysis of the Financial Performance of Bank NTB Syariah Before and After Conversion

Bank NTB Syariah officially converted on 28 September 2018. The conversion had a positive impact but did not guarantee to improve the bank's financial performance after the conversion. The purpose of the study was to identify differences in the performance of financial ratios of liquidity, solvency, and profitability of Bank NTB Syariah before and after the conversion. Secondary data used from the financial statements of Bank NTB Syariah for the period of the third quarter of 2014 to the second quarter of 2022. Wilcoxon Signed Rank Test was used to identify whether there is a significant difference in the performance of financial ratios of Bank NTB Syariah before and after the conversion. The results obtained show that the NPF, CAR, ROA, ROE, BOPO and NOM ratios have significant differences before and after the conversion, while the FDR and DER ratios show no significant difference.

Evaluasi Bank Syariah Indonesia Pasca Serangan Siber: Pergerakan Saham dan Kinerja

This study aims to determine the movement of BRIS shares after the cyber attack on May 8 2023. BRIS, which is owned by PT. Bank Syariah Indonesia Tbk experienced a decrease in share price due to a system error. Digital transaction services had stopped, such as BSI Mobile, ATMs and tellers at branch offices unable to serve customers. This study uses a quantitative method with a descriptive approach. The results show that the stock price movement has decreased until June 26 2023 and BSI's performance seen from the KPMM, ROA and BOPO ratios received the criteria of being healthy and good. Meanwhile, the FDR ratio of Islamic banks is considered bad because it has poor liquidity.

ANALISIS KOMPARASI KINERJA KEUANGAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH SAAT PANDEMI COVID -19

Global economic growth in 2020 contracted by 3.5% from the previous growth of 2.8% in 2019. This contraction was caused by the Covid pandemic - 19 which is not only a health crisis but also a social and economic crisis. To reduce economic pressure due to the Covid-19 pandemic, governments around the world have issued massive and extraordinary stimuli in the form of fiscal stimulus, monetary stimulus, and relaxation policies in the financial services sector. The Covid-19 pandemic is a challenge for the business world, including Islamic banking and conventional banking in Indonesia. Financial performance is an important measure of whether there is an increase in financial companies or vice versa. The data used in this study is secondary data and uses quantitative methods at the time of the Covid-19 Pandemic. The study's results show that based on the average (mean) result of each ratio, the financial performance of Conventional Commercial Banks based on LDR/FDR, CAR, NOM/NIM, and NPL/NPF is better than Islamic Commercial Banks. Meanwhile, based on the BOPO and ROA ratios, the financial performance of Islamic Commercial Banks is better than Conventional Commercial Banks. Based on the results of the independent sample t-test, it is known that the six ratios have significant differences between the financial performance of Conventional Commercial Banks and Islamic Commercial Banks based on LDR/FDR, NPF/NPL.NOM/NIM, ROA, CAR, and BOPO

THE EFFECT OF CAR, NIM, BOPO, AND LDR ON ROA IN BUMN BANKS IN THE PERIOD 2013-2022

This study aims to see the effect of CAR (Capital Adequacy Ratio), NIM (Net Interest Margin), BOPO (Operating et al.), and LDR (Loan to Deposit Ratio) on ROA (Return on Assets) in BUMN Banks in the period 2013 - 2022. The data source for this research is secondary through the websites of each company listed on the Indonesia Stock Exchange. The population used in this study The population in this study are state-owned banks listed on the Bursa Efek Indonesia (BEI). The sample in this study is the financial statements of state-owned banks, namely Reports on Calculation of CAR, NIM, BOPO, LDR, and ROA financial ratios for 2013-2022, a total of 40 samples. The analysis technique used is R Square analysis and Path Analysis. The results of the study show that NIM and LDR have a positive effect on ROA. CAR and BOPO hurt ROA, while CAR, NIM, BOPO, and LDR affect ROA in R Square.

A Comparative Analysis of Banking’s Financial Performance before and after using E-Money

This study aims to determine the comparison of the financial performance of PT. Bank Mandiri (Persero) Tbk before and after issuing e-money. By using a research period of 3 years before and 3 years after issuing e-money. Financial performance is measured by profitability ratios as seen from the Return On Assets (ROA), Return On Equity (ROE), and BOPO ratios. This research is a quantitative research. The data used in this study is secondary data, namely the financial statements of PT. Bank Mandiri (Persero) Tbk. The subject of this research is PT. Bank Mandiri (Persero) Tbk which issues e-money. Data analysis used paired sample t-test analysis. The results of this study indicate that there are significant differences in the ratios of ROA, ROE, and BOPO before and after issuing e-money

Comparison Analysis of Financial Performance of BUMN and Non BUMN Islamic Commercial Banks with RGEC Method

This research aims to analyze the comparison of the financial performance of BUMN Islamic Commercial Banks and Non BUMN Islamic Commercial Banks on the variables of Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) for the 2017-2020 period represented by the ratio of NPF, FDR, BOPO, GCG, ROA, ROE, and CAR. The results of this research show that of the 7 ratios analyzed, there are 5 ratios with significant differences between the financial performance of BUMN Islamic Commercial Banks and Non BUMN Islamic Commercial Banks during the 2017-2020 period, namely FDR, BOPO, GCG, ROA, and ROE. While the NPF ratio, CAR, and RGEC Composite Rating there is no significant difference between the financial performance of BUMN Islamic Commercial Banks and Non BUMN Islamic Commercial Banks during the 2017-2020 period. The last analysis on the consolidated financial performance assessment of all RGEC variables shows that the performance of BUMN Islamic Commercial Banks is not better than the performance of Non BUMN Islamic Commercial Banks where the average composite value for 4 years is the performance of BUMN Islamic Commercial Banks (80%), smaller than the composite value of the performance of Non BUMN Islamic Commercial Banks (86%).

Comparison of Financial Ratios Before and During the COVID-19 Pandemic in Islamic Banking in Indonesia

The COVID-19 pandemic has not only changed the global economic landscape but also forced Islamic banks to reevaluate their strategies, operations and policies. In this context, a comparison of financial ratios before and during the pandemic is very important to identify significant changes that have occurred in Islamic banking performance. This pandemic has forced Islamic banks to review their business strategies. They must consider how to deal with declines in economic activity, changes in consumer behavior, and market fluctuations. This study aimed to compare financial ratios before and during the COVID-19 pandemic on Islamic Banking in Indonesia. This type of research is quantitative research with a descriptive approach. In this study, the sample size was all Islamic commercial banks at core capital adequacy Bank 1 in Indonesia, namely the ratio of operational costs - operational income (BOPO), allowance for impairment losses (CKPN), financing to deposit ratio (FDR), net operating margin (NOM), non-performing financing gross (NPF Gross), net non-performing financing (NPF Netto), return on asset (ROA) and return on equity (ROE) in the period before the COVID-19 pandemic and during the COVID-19 period. There is no difference in the financial performance of Islamic banks as measured by the BOPO, NOM, NPF, and ROE ratios before and during the COVID-19 pandemic. There are differences in the financial performance of Islamic banks as measured by the CKPN, FDR, and ROA ratios before and during the COVID-19 pandemic.

ANALISIS RASIO KEUANGAN METODE RBBR DALAM MENGUKUR TINGKAT KESEHATAN BANK PADA BANK UMUM SYARIAH (BUS) PERIODE 2013-2020

This research has a purpose that is: 1. To analyze tha bank’s health level with the financial ratio of the Risk Based Bank Rating (RBBR) method at the BUS period 2013-2020, 2. To determine the difference in the bank’s health level with the financial ratio of Risk Based Bank Rating (RBBR) method at the BUS period 2013-2020. This research uses comparative analysis methods. The classic assumptions used in this research are the normality tes, homogeneous test, while the difference test used the kruskal wallis test. The result of the analysis with the RBBR method indicate that BUS from 2013-2020 has a condition of the bank’s health level in a composite rating of 3 with a value of 64% which means healthy enough, while based on the calculation of different test, seven banks that are used as samples in this study there is a difference from the ratio of NPF, ROA,BOPO and CAR because they have a significant difference of < 0,05 while for the FDR ratio there is no difference from the seven banks because the significant value is > 0,05.

FINANCIAL PERFORMANCE OF BANK MEGA AND BANK MEGA SYARIAH USING THE CAMEL APPROACH DURING THE CREDIT RESTRUCTURING PERIOD

The government implemented the credit restructuring policy to save business actors from fulfilling their obligations to banks. Banking manages financial performance during Covid-19 to maintain assets. This study aims to compare financial performance between Bank Mega and Bank Mega Syariah with the method of analysis techniques Capital, Assets, Management, Earnings, and Liquidity (CAMEL).The samples of this research are 2 banks, namely mega banks and mega sharia banks, registered with the Financial Services Authority (OJK). The research data was obtained through annual reports which have been published for the period 2020 to 2022. The data analysis results show a significant difference between the performance of mega banks and mega Islamic banks when assessed from the CAR, ROA, and BOPO ratios. In addition, the study's results also show no significant difference between the performance of mega banks and mega Islamic banks when assessed from the NPL, and LDR ratio.Keywords : Financial Performance, CAMEL, Islamic Banks, Comparison

ANALISIS CAMEL DALAM MEMPREDIKSI KESEHATAN KEUANGAN PADA PT. BANK RAKYAT INDONESIA (PERSERO) , Tbk DAN PT. BANK TABUNGAN NEGARA (PERSERO) , Tbk. PERIODE 2018-2022

The purpose of this study was to assess the financial health of PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk using the CAMEL (Capital, Asset Quality, Management, Earning, Liquidity) method. The research object is PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. The type of research used is qualitative and quantitative. The type of data used is secondary data, and the sample used is data on the financial statements of PT BRI (Persero) Tbk and PT. BTN (Persero) Tbk. for 2018-2022. Based on the research results, it was found that the CAR ratio at BRI from 2018 to 2022 is in the range of ≥ 12% (very healthy). KAP ratio is in the range ≤ 2% (very healthy). The NPM ratio is in the range of 66% - ≤ 80% (fairly healthy) except for 2020 it will be in the range ≥ 51% - 65% (unhealthy). The ROA ratio is in the range > 1.5% (very healthy). The BOPO ratio is in the range ≤ 94% (very healthy). And for the LDR ratio from 2018 to 2021 it will be in the range of 85% - ≤ 100% (healthy enough), and in 2022 it will be in the range of 75% - ≤ 85% (healthy). Meanwhile, the CAR ratio for BTN from 2018 to 2022 is in the range of ≥ 12% (very healthy). The KAP ratio in 2018 is in the range of ≤ 2% (very healthy) and in 2019 to 2022 is in the range of 2% - ≤ 3% (healthy). The NPM ratio is in the range of 51% - ≤ 65% (unhealthy) except in 2019 it is in the range of ≤ 50% (unhealthy). The ROA ratio in 2018 was in the range of 0.5% - ≥ 1.25% (fairly healthy), in 2019 it was in the range 0% - 0.5% (unhealthy), in 2020 to 2022 it was in the range of 0.5% - ≤ 1.25 % (quite healthy). The BOPO ratio is in the range ≤ 94% (very healthy) except in 2019 it is in the range > 97% (unhealthy). And for the LDR ratio from 2018 to 2019 it will be in the range of 100% - ≤ 120% (unhealthy) and from 2020 to 2022 it will be in the range of 85% - ≤ 100% (fairly healthy). So that from the results of calculations and comparisons with the CAMEL method, it is obtained that the company that has a higher level of financial soundness for five years is PT BRI (Persero) Tbk. Keywords: Bank Health, BRI, BTN, CAMEL

The Effect of LDR Ratio, CAR Ratio and BOPO Ratio on ROA in Conventional Banking on the Indonesia Stock Exchange Period 2015-2020

This study aims to analyze the effect of the variables measured by the LDR Ratio, CAR Ratio and BOPO Ratio on ROA of Conventional Banking on the Indonesia Impact Exchange for the 2015-2020 period. This study uses 14 conventional banks on the Indonesia Stock Exchange for the 2015-2020 period. The illustration method used is purposive sampling and 10 industries are obtained. This research uses secondary information in the form of financial statements that meet the criteria, the data obtained from the financial statements are obtained from the Indonesia Stock Exchange which can be accessed through https://www.idx.co.id/id . The analytical procedure used in this study is Linear Regression of panel data using the SPSS 25 program. The results of this study show that LDR and BOPO have a significant effect on ROA, while the CAR ratio has no effect on ROA.

The Effect of Implementing OJK-BOX (OBOX) Application in The Relationship Among NPL, BOPO, and Cash Ratio on The Profitability of Rural Bank (BPR) in East Java

This research aims at empirically prove the effect of financial ratios (including NPL, BOPO, and cash ratios) on ROA and, determine the effect of OJK-BOX application on the relationship between the independent and dependent variables. This research includes 868 samples from 124 Rural Banks (BPR) in East Java and employs multiple regression analysis to test hypotheses 1, 2, and 3, and categorical moderation analysis to test hypothesis 4. The results of the hypothesis testing proved that NPL and BOPO had a negative effect on ROA; cash ratio had no effect on ROA; and the OJK-BOX application affected the relationship between NPL and BOPO on ROA. From these findings, it is proven that the OJK-BOX application program can control the financial risks faced by banks and this research can be used as a reference to assist companies in managing financial risks.
 Keywords: OJK-BOX Application Program; Credit Risk; Operational Risk; Liquidity Risk; Financial Ratios
 
 Abstrak
 Penelitian ini dilakukan untuk menguji pengaruh rasio keuangan (NPL, BOPO, dan cash ratio) terhadap ROA dan melihat apakah aplikasi OJK-BOX memengaruhi hubungan antar variabel independen-dependen. Rasio yang digunakan dalam penelitian ini adalah NPL, BOPO, dan cash ratio dengan total 868 sampel dari 124 BPR konvensional Jawa Timur. Analisis yang digunakan dalam penelitian ini adalah analisis regresi berganda untuk menguji hipotesis 1,2, dan 3 dan analisis moderasi sub-grup atau moderasi kategori untuk menguji hipotesis 4. Hasil pengujian hipotesis dalam penelitian ini membuktikan bahwa NPL dan BOPO memiliki pengaruh negatif terhadap ROA, cash ratio tidak memiliki pengaruh terhadap ROA, dan program aplikasi OJK-BOX mempengaruhi hubungan antara variabel NPL dan BOPO terhadap ROA. Dari hasil temuan ini dibuktikan bahwa program aplikasi OJK-BOX dapat mengontrol risiko keuangan yang dihadapi oleh bank dan penellitian ini dapat menjadi referensi untuk membantu perusahaan dalam pengelolaan risiko keuangan.
 Kata Kunci: Program Aplikasi OJK-BOX; Risiko Kredit; Risiko Operasional; Risiko Likuiditas; Rasio Keuangan

Financial Performance of Islamic Banks: A Comparative Analysis Before and During The COVID-19 Pandemic

The protracted pandemic has an impact on the Islamic banking industry. Comparing the financial performance of Islamic financing before and during the COVID-19 outbreak helped to evaluate the impact of this factor. This type of quantitative research utilizes secondary data in the form of monthly financial reports from the Financial Services Authority’s website for 2018–2021. The variables used are ROA, FDR, BOPO, NPF, and CAR. Before and throughout the COVID-19 epidemic, Islamic banks demonstrated varied financial performance levels as measured by the ratios of ROA, FDR, BOPO, and CAR. ROA and CAR ratios have risen throughout the COVID-19 epidemic. During the COVID-19 pandemic, the FDR, BOPO, and NPF ratios declined. The ratio of BOPO to CAR is the finest and most consistent of these five ratios, ranking first (very healthy) before and during the pandemic. The ROA ratio for FDR and NPF remains standard, with an average ranking of second (healthy). The bank’s condition stayed normal and healthy over the 2018–2021 period, both before and after the COVID–19 epidemic, despite variations in the financial performance of Islamic banks as indicated by the ROA, FDR, BOPO, NPF, and CAR ratios.

Analisis Komparasi Kinerja Keuangan PT Bank BTPN. Tbk Sebelum dan Sesudah Merger

The purpose of this study is to conduct a comparative test of Bank BTPN Tbk.,financial performance before and after the merger using the Risk-Based Bank Rating approach. The method used is verificative study, carried out by conducting a paired t-test of two samples. This study found that Bank BTPN Tbk. financial performancedeclined after the merger. This is indicated by the increasing LDR, indicating that the bank's liquidity risk becomes greater after the merger. The NIM and ROA ratios were smaller and the BOPO ratio increased after the merger, indicating that Bank BTPN Tbk. ability to generate profits has decreased. The level of bank capital with the CAR indicator also decreased. Based on the results of comparative analysis, it can be proven that there are differences in the financial performance of Bank BTPN between before and after the merger

Analisis Kinerja Perbankan Syariah 2018-2022 Dengan Menggunakan Pendekatan Islamicity Performance Index

This study aims to analyze the financial performance of Indonesian Sharia Peranakans for the 2018-2022 period using the Islamicity Performance Index approach. CAR, BOPO, and NPF are the financial ratios which are the variables that will be examined, and the Profit Sharing Ratio is the financial ratio of the Islamicity Performance Index which will be analyzed for its performance. The formulation of this research is: How is the Performance of Indonesian Sharia Banking for the 2018-2022 period using the Islamicity Performance Index Approach? and whether there is an influence of CAR, BOPO, and NPF financial ratios on the Profit Sharing Ratio. This study uses a quantitative research method with secondary data in the form of financial reports obtained from the Sharia Banking Statistics of the Financial Services Authority (SPS OJK). The results of the research analysis that has been carried out, it can be seen that the financial ratios of CAR, BOPO, and NPF affect the Profit Sharing Ratio, where this profit sharing ratio is one of the main objectives of Indonesian Islamic Banking. The recommendation for this researcher is that it is better for Indonesian Islamic Banking to further increase the PSR ratio or profit sharing so that it is important to identify the extent to which a bank has achieved its goals, because the large acquisition of profit sharing for Islamic banks will later become an advantage for the bank itself.

Analisis Kinerja Keuangan Perbankan Syariah Menggunakan Metode CAMEL di PT. Bank Tabungan Pensiunan Nasional Syariah Periode 2019-2022

For banking institutions, the role of financial performance is very important. Because, if the financial performance of a bank has a good predicate, it can directly increase public confidence in making loans or investing. The fluctuating JCI in stock exchange trading certainly affects the stock performances of several issuers, including BTPN Syariah. BTPN Syariah shares have fluctuated from 2019 - 2022. And 38.77% of foreign sales have occurred, so it is very interesting to conduct this research. The purpose of this study was to determine the financial performance of Islamic banking based on the CAMEL (Capital, Asset, Management, Earning and Liquidity) method at PT. Sharia National Pension Savings Bank for the 2019-2022 Period. This study uses a descriptive method with a quantitative approach. Based on the results of the discussion above, it can be concluded that the health level of BTPN Syariah for the 2019-2022 period is based on: 1). Capital (capital) received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations; 2). Assets (Quality of Earning Assets) received the title “Healthy”, because the KAP value obtained was below 10.35%; 3). Management (Management) by assessing the level of NPM (Net Profit Margin) gets the predicate "Sufficiently Healthy", because the NPM value obtained is in the range of 66%-81%; 4). Earning (profitability) uses two ROA and BOPO ratios, ROA for 2019-2022 gets the "Very Healthy" category, because the ROA value obtained is above 1.5%. Meanwhile, the health level of the BOPO ratio for the 2019-2022 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. 5). Liquidity (Liquidity) using the ratio of FDR (Finance to Deposit Ratio) obtained the predicate "Sufficiently Healthy", because the FDR value obtained is in the range of 85%-100%. Furthermore, based on the results of calculating the soundness level of BTPN Syariah in 2019-2022 using the CAMEL method, it is in the "Healthy" position, because the resulting CAMEL value is in the range of 81-100, meaning that BTPN Syariah banks during the 2019-2022 period are considered capable of managing finances or performance. Islamic banking finance well.