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All Journal Jurnal Ilmu Perbankan dan Keuangan Syariah
Asriyana
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
The Influence of Digital Financial Literacy and Security on Customer Decisions in Using the Livin by Mandiri Application (A Study at Bank Mandiri KCP Donggala) Ammar; Irham Pakkawaru; Asriyana; Ikmar Masykur; nizmayavira
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.v7i2.349.277-300

Abstract

The development of digital technology has changed the pattern of banking services, including the use of mobile banking applications such as Livin' by Mandiri. This application offers convenience in transactions, but customer trust in using it is inseparable from the digital financial literacy and security factors of the system offered. Digital financial literacy plays a role in helping customers understand the features, risks, and benefits of the application, while the security aspect determines the customer's sense of security in transactions. This study aims to analyze the influence of digital financial literacy and security on customer decisions in using the Livin' by Mandiri application at Bank Mandiri KCP Donggala. This study uses a quantitative approach with a survey method by distributing questionnaires to Bank Mandiri KCP Donggala customers. The study population is all customers who use the Livin' by Mandiri application, with probability sampling techniques and simple random sampling types. The data obtained were analyzed using multiple linear regression tests, T tests for partial effect testing, and F tests (ANOVA) for simultaneous effect testing with the help of SPSS software. Based on the test results, the digital financial literacy variable (X1) has a positive and significant partial effect on customer decisions with a Tcount value of 2.416 > Ttable 1.985 and a significance of 0.018 < 0.05. The security variable (X2) also has a positive and significant partial effect with a Tcount value of 3.683 > Ttable 1.985 and a significance of 0.000 < 0.05. Simultaneously, digital financial literacy and security have a significant effect on customer decisions with a significance value of 0.000 < 0.05 and Fcount 29.334 > Ftable 3.09. This proves that digital financial literacy and security are important factors in customer decision making to use Livin by Mandiri
Co-Authors Ammar EKo Albar Wahyudi Habib MUhammad Shabib Ikmar Masykur Irham Pakkawaru Nini Andriani nizmayavira Nurul Qalbi Awaliyah