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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JAMMIAH) ADINDAMAS: Jurnal Pengabdian Kepada Masyarakat
Nurbaeti, Ayi
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Humanities Economics, Econometrics & Finance Environmental Science

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Journal : EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)

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Analisis Kinerja Keuangan Perbankan Syariah Menggunakan Metode CAMEL di PT. Bank Tabungan Pensiunan Nasional Syariah Periode 2019-2022 Sucipto, Moch Cahyo; Zaenal, Rian; Jalaludin, Jalaludin; Nurbaeti, Ayi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.469

Abstract

For banking institutions, the role of financial performance is very important. Because, if the financial performance of a bank has a good predicate, it can directly increase public confidence in making loans or investing. The fluctuating JCI in stock exchange trading certainly affects the stock performances of several issuers, including BTPN Syariah. BTPN Syariah shares have fluctuated from 2019 - 2022. And 38.77% of foreign sales have occurred, so it is very interesting to conduct this research. The purpose of this study was to determine the financial performance of Islamic banking based on the CAMEL (Capital, Asset, Management, Earning and Liquidity) method at PT. Sharia National Pension Savings Bank for the 2019-2022 Period. This study uses a descriptive method with a quantitative approach. Based on the results of the discussion above, it can be concluded that the health level of BTPN Syariah for the 2019-2022 period is based on: 1). Capital (capital) received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations; 2). Assets (Quality of Earning Assets) received the title “Healthy”, because the KAP value obtained was below 10.35%; 3). Management (Management) by assessing the level of NPM (Net Profit Margin) gets the predicate "Sufficiently Healthy", because the NPM value obtained is in the range of 66%-81%; 4). Earning (profitability) uses two ROA and BOPO ratios, ROA for 2019-2022 gets the "Very Healthy" category, because the ROA value obtained is above 1.5%. Meanwhile, the health level of the BOPO ratio for the 2019-2022 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. 5). Liquidity (Liquidity) using the ratio of FDR (Finance to Deposit Ratio) obtained the predicate "Sufficiently Healthy", because the FDR value obtained is in the range of 85%-100%. Furthermore, based on the results of calculating the soundness level of BTPN Syariah in 2019-2022 using the CAMEL method, it is in the "Healthy" position, because the resulting CAMEL value is in the range of 81-100, meaning that BTPN Syariah banks during the 2019-2022 period are considered capable of managing finances or performance. Islamic banking finance well.
Analisis Kinerja Keuangan Bank Bjb Syariah Menggunakan Metode Risk Profile, Good Corporate Governance, Earning, Capital (RGEC) Periode 2017-2021 Siti Nurjanah, Riski; Jalaludin, Jalaludin; Bahri, Saepul; Nurbaeti, Ayi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.486

Abstract

Financial performance is a reflection of the success or failure of a bank in carrying out its operational activities. The measuring instrument for assessing a bank's financial performance which states whether or not a bank is healthy is described in detail in the provisions governing the bank's soundness level. In measuring the financial performance of a healthy bank or not, the ratio value is used. This research is motivated by the ratio with the predicate Very Healthy, healthy, quite healthy, less healthy and very unhealthy. The purpose of this study is to determine the financial performance of BJB Syariah Bank based on Risk Profile, Good Corporate Governance, Earning, Capital from 2017-2021. This research uses a descriptive qualitative approach using the measurement of the RGEC ratio. It can be concluded that the BJB Syariah bank has a BJB Syariah Health Level for the 2017-2021 period with the Risk Profile method (Risk Profile) consisting of NPF and FDR. NPF in 2017-2021 was in the range of 3.42 and 5.28 categorized as very healthy. FDR in 2017-2021 was in the range of 81.55 and 93.56 categorized as quite healthy. Good Corporate Governance of BJB Syariah for the 2017-2021 period is in the range 2 and 3 which is categorized as quite healthy. Earnings (profitability) consisting of ROA and NIM of BJB Syariah for the period 2017-2021 are in the range of 4,870 and 5,771 categorized as very healthy. The ROA of BJB Syariah for the 2017-2021 period is in the range of 0.4 and 0.10 which is categorized as unhealthy. BJB Syariah's capital for the 2017-2021 period is in the range of 14.95 and 24.14 which is categorized as very healthy. RGEC BJB Syariah for the period 2017-2021 is in the range of 71.99 categorized as healthy.
Co-Authors Ahmad Damiri, Ahmad Amelia, Rosa Jalaludin Jalaludin Jalaludin, Agus Kurnia, Asep Dede Nuradilah, Ai Saepul Bahri Siti Nurjanah, Riski Sucipto, Imam Sucipto, Moch Cahyo Zaenal, Rian