Comparative Analysis of the Financial Performance of BPRS Adeco and BPRS Serambi Mekkah in Langsa City (2019–2024)

Zefri Maulana; Alfian; Muhammad Ikhwan bin Mauluddin; Nadiya Ulfa

Article Details

Comparative Analysis of the Financial Performance of BPRS Adeco and BPRS Serambi Mekkah in Langsa City (2019–2024)

Authors:

Zefri Maulana | Alfian | Muhammad Ikhwan bin Mauluddin | Nadiya Ulfa

Publisher:

UIN Kiai Ageng Muhammad Besari Ponorogo

Main Topics:

Religion | Humanities | Economics, Econometrics & Finance | Social Sciences

Journal:

Etihad: Journal of Islamic Banking and Finance Vol.6 Issue 1, pp.0-0

Document Type:

Article

Publication Date:

1/2026

Document Language:

English

Document ID (Org No.):

2001890496

pISSN:

2807-6915

Abstract:

 Introduction: This study compares the financial performance of BPRS Adeco and BPRS Serambi Mekkah during 2019–2024 using ROA, BOPO, NPF, and FDR indicators. The study is important to evaluate the effectiveness and financial health of Islamic rural banks. Research Methods: This research uses a quantitative descriptive comparative approach. Secondary data were collected from the financial reports of both banks and analyzed using financial ratio analysis and the Mann-Whitney U Test with SPSS version 25. Results: The results show significant differences in ROA, BOPO, and FDR (p 0.05), indicating similar financing quality between the two banks. Conclusion: BPRS Adeco has better financial performance compared to BPRS Serambi Mekkah. The findings highlight the importance of efficient operations and balanced liquidity management in maintaining the sustainability of Islamic rural banks.

Article Details

Comparative Analysis of the Financial Performance of BPRS Adeco and BPRS Serambi Mekkah in Langsa City (2019–2024)

Authors: Zefri Maulana | Alfian | Muhammad Ikhwan bin Mauluddin | Nadiya Ulfa

Publisher: UIN Kiai Ageng Muhammad Besari Ponorogo

Main Topics: Religion | Humanities | Economics, Econometrics & Finance | Social Sciences

Journal: Etihad: Journal of Islamic Banking and Finance Vol.6 Issue 1, pp.0-0

Document Type: Article

Publication Date: 1/2026

Document Language: English

Document ID (Org No.): 2001890496

pISSN: 2807-6915

Issues

Authors:

Zefri Maulana | Alfian | Muhammad Ikhwan bin Mauluddin | Nadiya Ulfa

Publisher:

UIN Kiai Ageng Muhammad Besari Ponorogo

Main Topics:

Religion | Humanities | Economics, Econometrics & Finance | Social Sciences

Journal:

Etihad: Journal of Islamic Banking and Finance Vol.6 Issue 1, pp.0-0

Document Type:

Article

Publication Date:

1/2026

Document Language:

English

Document ID (Org No.):

2001890496

pISSN:

2807-6915