Menilai Tingkat Kesehatan Bank Di Masa Pandemi Dengan Menganalisis Camel Bank Umum Syariah Di Indonesia

Abstract

This study aims to analyze the assessment of the soundness of Islamic commercial banks in Indonesia during the 2020 COVID-19 pandemic. This study uses financial ratio indicators as the basis for measuring the soundness of Islamic banks as stipulated in Bank Indonesia Regulation: PBI No. 9/1/PBI/ which generally can be known quantitative data. In general, there are several indicators of the soundness of Islamic banks based on financial ratios including CAR, ROA, NPM, BOPO, net NPF and FDR. This study will emphasize the results of the assessment of the soundness of banks as a benchmark for the performance of Islamic banks during the 2020 COVID-19 pandemic. The object of this research is Islamic commercial banks in Indonesia. The need for data obtained from the financial statements of Islamic banks and data analysis using the CAMEL method which has been determined by Bank Indonesia. The results of this study are expected to be able to provide information for every economic actor to know and understand the soundness of Islamic commercial banks during the 2020 COVID-19 pandemic.