COMPOSITION OF FINANCING BY PORTFOLIO CATEGORY RELATIVE TO TOTAL FINANCING AT PT BANK MUAMALAT INDONESIA TBK. (DURING THE ADMINISTRATION OF JOKO WIDODO AND MUHAMMAD JUSUF KALLA).

Abstract

This research aims to analyze the composition of financing per portfolio category compared to total financing at PT Bank Muamalat Indonesia Tbk. The subject of this research is Bank Muamalat's annual financial report which includes financing data in the consumer, corporate, micro and small business categories. This research uses a quantitative descriptive analysis method by calculating the proportion of each financing category to the total financing distributed during the research period. The research results show that consumer financing has a significant allocation in total bank financing, with stable growth from 2017 to 2019. The micro and small business financing sector also shows an increasing contribution, reflecting the bank's focus on supporting financial inclusion. Corporate financing, although having a smaller contribution, remains an important part of the bank's financing portfolio. With this research, it can be concluded that PT Bank Muamalat Indonesia Tbk has implemented a financing strategy that is balanced and adaptive to economic conditions. However, there are still opportunities to optimize financing in certain sectors, especially in supporting the micro sector and small businesses which have the potential to be more profitable. Optimizing this financing allocation can increase portfolio diversification and reduce risk, which in turn will strengthen the bank's financial performance.