ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA DENGAN METODE SHARIA MAQASHID INDEX (SMI), SHARIA CONFORMITY AND PROFITABILITY (SCnP), DAN RGEC PERIODE 2013-2017

The rapid development of Islamic banking requires Islamic banks to always improve their performance in order to be able to survive in the competitive world of banking. Banking performance can be seen by measuring the financial performance of Islamic banks. This research aims to determine the financial performance of Islamic Commercial Banks in Indonesia by using three measurement methods, namely Sharia Maqashid Index (SMI), Sharia Conformity and Profitability (SCnP), and RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). The data used in this research is secondary data in the form of financial statements published on the official website of each bank, starting 2013 until 2017. While the population in this research are all Islamic Commercial Banks registered with the OJK. As for the samples used totaled eleven Islamic Commercial Banks which meets the criteria of sampling based on purposive sampling method. The results of the research show that based on the SMI method, the Sharia Commercial Banks that get the first highest rating is BCA Syariah (BCAS), second place is Bank Victoria Syariah (BVS) and third place is Bank Panin Dubai Syariah (BPDS). Whereas according to the SCnP method, Sharia Commercial Banks that occupy the URQ quadrant (Upper Right Kuadrant) are Bank Muamalat Indonesia (BMI), Bank Syariah Bukopin (BSB), and BCA Syariah (BCAS) which indicate that the bank has high islamic compliance and profitability. Then according to the RGEC method, Bank Mega Syariah (BMS) and BCA Syariah (BCAS) obtain the best composite rating compared to other Islamic banks, namely in the Healthy or Good category, which indicates that Islamic banks in general are able to deal with the negative effects of business conditions and other external factors