Paper Title :Performance Comparison of Balanced Scorecards Implementation at the Decided to Merge Islamic Bank of Indonesia
Author :Linda Kusumastuti Wardana, Verina Daffa Azaria
Article Citation :Linda Kusumastuti Wardana ,Verina Daffa Azaria ,
(2023 ) " Performance Comparison of Balanced Scorecards Implementation at the Decided to Merge Islamic Bank of Indonesia " ,
International Journal of Management and Applied Science (IJMAS) ,
pp. 1-5,
Volume-9,Issue-4
Abstract : This study aims to analyze the comparison of financial and non-financial performance at Bank Syariah Indonesia
and Bank Muamalat Indonesia by applying the balanced scorecard method. The data used in this study came from
interviews, questionnaires, and the annual financial reports of Bank Syariah Indonesia and Bank Muamalat Indonesia for
2020–2021.Based on the results of calculations from a financial perspective, Bank Syariah Indonesia's ROA and BOPO
ratios are considered good, while the ROE and NPM ratios need to be increased in the future. Meanwhile, the financial
performance of Bank Muamalat, seen from the four ratios, is considered very bad. The non-financial performance of Bank
Syariah Indonesia and Bank Muamalat when viewed from the customer's point of view, namely measuring customer
satisfaction and the number of complaints, is considered good. In terms of internal business processes, the two banks are
considered good. Bank Syariah Indonesia and Bank Muamalat when viewed from a learning and growth perspective each
have 1 indicator that needs to be improved.
Keywords - Balanced Scorecard, Bank Muamalat Indonesia, Bank Syariah Indonesia, Performance Measurement
Type : Research paper
Published : Volume-9,Issue-4
Copyright: © Institute of Research and Journals
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Published on 2023-07-17 |
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