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All Journal Jurnal Ilmu Perbankan dan Keuangan Syariah
EKo Albar Wahyudi
UIN Datokarama Palu
Economics, Econometrics & Finance

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Financial Health of Indonesian Islamic Banks: A CAMEL-Based Analysis During and After the COVID-19 Pandemic: Financial Health of Indonesian Islamic Banks: A CAMEL-Based Analysis During and After the COVID-19 Pandemic Eko Albar Wahyudi; Nurul Qalbi Awaliyah; Asriyana; Nini Andriani; Habib Muhammad Shabib
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v8i1.405.116-136

Abstract

This study aims to analyze the financial health of Indonesian Islamic commercial banks during and after the COVID-19 pandemic using the CAMEL framework. Data from nine Islamic commercial banks in Indonesia for the 2020–2024 period were examined using a descriptive quantitative approach with CAR, KAP, NPM, ROA, BOPO, and FDR as financial health indicators. Results show that Islamic banks generally maintained strong capital adequacy and controlled asset quality, while profitability, operational efficiency, and liquidity varied across banks. The average CAMEL score improved from the fairly healthy category in 2020–2021 to the healthy category in 2022–2024. Bank Mega Syariah, Bank BTPN Syariah, and Bank NTB Syariah recorded the strongest financial health, whereas Bank Aladin Syariah and KB Bank Syariah still faced challenges in profitability and efficiency. These findings suggest that Islamic bank soundness is bank-specific and component-specific. Management and regulators should prioritize efficiency, earning capacity, and liquidity control beyond capital adequacy. This study is descriptive and does not test causal relationships among financial ratios
Board Gender and Educational Diversity on Financial Stability In Indonesia’s Islamic Bank Nurul Qalbi Awaliyah; Eko Albar Wahyudi; Irham Pakawaru; Sapruddin
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.359.212-233

Abstract

This study examines the effect of three dimensions: gender, educational level, and educational specialization on the board of directors (BOD) and sharia supervisory board (SSB) in Islamic banks’ financial stability. Data from 13 Islamic commercial banks in Indonesia (2015-2023) were analyzed using panel data regression with Z-score as the stability measure. Results reveal mixed effects: gender diversity on SSB and educational level diversity on BOD negatively affect bank stability, while educational specialization diversity on SSB positively contibutes to stability. Conversely, gender diversity on BOD, educational level diversity on SSB, and educational specialization diversity on BOD show no significant effects. These findings suggest that board composition characteristics have context-specific and structure-specific implications for Islamic banking stability, with business-focused expertise in supervisory functions being particularly valuable. Management should strategically evaluate board diversity dimensions beyond mere representation to enhance governance effectiveness
Co-Authors Asriyana Habib MUhammad Shabib Irham Pakawaru Nini Andriani Nurul Qalbi Awaliyah Sapruddin