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Banking as the main pillar in the economic traffic as well as people who are increasingly aware of the harmful effects of riba (usury) cause sharia banks have been chosen by many people. However, the slowing growth of sharia banks, especially sharia commercial banks in the last 5 years, has become a bad report for the Indonesian economy, so there is a need for an appropriate assessment and strategy to improve the performance of sharia commercial banks. This research uses descriptive research method with quantitative approach, the Balanced Scorecard approach is done by assessing the performance of four perspectives, namely financial perspective, customer perspective, internal business process perspective, and growth and learning perspective. Based on the weighting of the Balanced Scorecard conducted on the performance of sharia commercial banks obtained by the number of weighted scores of 281, the final value of the total performance measurement of sharia commercial banks is 70.25%. The total value of 70.25% shows that the performance of the 2014-2016 Islamic banks is healthy with category A. Based on the measurement results, there are still some performance that still need to be improved, namely; (1) In the perspective of internal business processes, Sharia Banks need to improve new product innovations and improve services, one of which is to increase infrastructure which is expected to improve bank after-sales services. In fact, it can be said that the infrastructure owned by Islamic banks is currently limited. (2) In a financial perspective, sharia commercial banks must be able to increase the return of assets and increase cost efficiency towards operating income. (3) Although the financial, customer, and growth and learning perspectives are in the healthy category, this does not mean that the efforts of Islamic commercial banks to improve their performance are enough to arrive here. The healthy category obtained by this perspective is in the last categorization criteria, which means that sharia commercial banks have the potential to fall into the unhealthy category. So, Islamic commercial banks must continue to make various kinds of efforts to improve their performance. In the end, it is expected that performance measurement with balance scorecard can become a means to measure and then become a tool to design strategies implemented in an effort to improve the performance of Islamic commercial banks. Keywords—sharia banking; performance; balanced scorecard

Balanced Scorecard Approach: Can the Performance of Sharia Banks be Measured? (Registered at the financial services authority)