ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN PENDEKATAN CAMEL

Abstract

The improvement of the banking industry which its activities are based on Islamic principals as the guidance from the Indonesian Council of Religious Scholars, it shows beneficial improvement and it shows more existance in the national economy. This study aims to find out the performance of the financial public Islamic bank through CAMEL approach. The type of this study is quantitative. Therefore, this study applies the purposive sampling for collecting 6 Public Islamic Banks which are registered in the Finance Service Authority as the samples for the study. The analysis applies the statistic descriptive with the statistic ANOVA. The result of this study shows those 6 public Islamic banks have a good predicate and they do not have significant differences among BSM, BNIS, BRIS, BBCAS, BMS, and BMI in 2016-2019. from those banks, BBCAS has potentials for having the highest level of measurement, that is in ratio CAR, KAP, and FDR. BMS has the highest ratio in NPM. BSM, BNIS, and BMS have the highest ratio in ROA and Bank Muamalat has the highest ratio in BOPO.
Keywords: CAR, KAP, NPM, ROA, BOPO, FDR