ANALISIS KINERJA BANK SYARIAH MENGGUNAKAN SHARIA CONFORMITY AND PROFITABILITY MODEL DAN SHARIA MAQASHID INDEX PADA BANK UMUM SYARIAH DI ASIA TENGGARA PERIODE 2018-2023

FEBRI, YOLA (2024) ANALISIS KINERJA BANK SYARIAH MENGGUNAKAN SHARIA CONFORMITY AND PROFITABILITY MODEL DAN SHARIA MAQASHID INDEX PADA BANK UMUM SYARIAH DI ASIA TENGGARA PERIODE 2018-2023. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pengukuran dalam penilaian Perbankan Syariah yang masih didominasikan dengan menggunakan alat ukur Bank Konvensional, maka dibutuhkan alat ukur atau framework yang telah sepadan dengan konsep dan praktik Perbankan Syariah yang telah dikemukakan yaitu dengan menggunakan metode Sharia Conformity and Profitability (SCnP) dan metode Sharia Maqashid Index (SMI). Penelitian ini bertujuan untuk menganalisa kinerja Bank Syariah pada Bank Umum Syariah di Asia Tenggara selama enam tahun periode 2018 sampai 2023, yang diukur sesuai prinsip Syariah menggunakan metode Sharia Conformity and Profitability (SCnP) dan metode Sharia Maqashid Index (SMI). Penelitian ini menggunakan data sekunder dengan pendekatan kuantitatif deskriptif, teknik pengambilan sampel menggunakan metode purposive sampling, 17 Bank Umum Syariah sebagai sampel penelitian dari total populasi 37 Bank Umum Syariah yang terdapat di Asia Tenggara terutama di Negara Indonesia, Malaysia, Singapura, Brunei Darussalam, Thailand dan Filipina. Hasil dari penelitian ini adalah berdasarkan metode Sharia Conformity and Profitability pada BUS di Asia Tenggara periode 2018-2023 yaitu Bank BCA Syariah Bank Mega Syariah dan AFFIN Islamic Bank Berhad memiliki nilai tertinggi dan berada pada posisi kuadran URQ (Upper Right Quadran). Hasil pengukuran berdasarkan metode Sharia Maqashid Index yaitu Bank Panin Dubai Syariah dengan nilai rata-rata sebesar 0,56581 atau 56,58%. Dan hasil perbandingan antara kinerja Bank Syariah pada BUS di Asia Tenggara periode 2018-2023 menggunakan metode Sharia Conformity and Profitability (SCnP) dan Sharia Maqashid Index (SMI) menunjukkan hasil dimana ketika Bank Syariah berada pada posisi kuadran terbaik URQ dengan metode SCnP belum tentu mendapat nilai dan peringkat tertinggi dengan metode SMI. Kata Kunci: Bank Umum Syariah, Sharia Conformity and Profitability (SCnP), Sharia Maqashid Index (SMI) iv ABSTRACT Measurement in the assessment of Sharia Banking which is still dominated by using conventional bank measurement tools, a measurement tool or framework is needed that is commensurate with the concepts and practices of Sharia Banking that have been proposed, namely by using the Sharia Conformity and Profitability (SCnP) method and the Sharia Maqashid Index (SMI) method. This study aims to analyze the performance of Sharia Banks in Sharia Commercial Banks in Southeast Asia for the six-year period 2018 to 2023, which is measured according to Sharia principles using the Sharia Conformity and Profitability (SCnP) method and the Sharia Maqashid Index (SMI) method . This study uses secondary data with a descriptive quantitative approach, sampling techniques using the purposive sampling method, 17 Sharia Commercial Banks as a research sample from the total population of 37 Sharia Commercial Banks in Southeast Asia, especially in Indonesia, Malaysia, Singapore, Brunei Darussalam, Thailand and the Philippines. The results of this study are based on the Sharia Conformity and Profitability method in BUS in Southeast Asia for the 2018-2023 period, namely Bank BCA Syariah and AFFIN Islamic Bank Berhad have the highest scores and are in the URQ (Upper Right Quadran) quadrant position. The results of the measurement based on the Sharia Maqashid Index method are Bank Panin Dubai Syariah with an average value of 0.56581 or 56.58%. And the results of the comparison between the performance of Sharia Banks in BUS in Southeast Asia for the 2018-2023 period using the Sharia Conformity and Profitability (SCnP) and Sharia Maqashid Index (SMI) methods show results where when Islamic banking it is in the best quadrant position of URQ with the SCnP method, it does not necessarily get the highest score and ranking with the SMI method. Keywords : Sharia Commercial Banks, Sharia Conformity and Profitability (SCnP), Sharia Maqashid Index (SMI)

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