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All Journal Jurnal Akuntansi Indonesia Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Manajerial Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal MEBIS (Manajemen dan Bisnis) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Oeconomicus Journal of Economics El-Qist : Journal of Islamic Economics and Business (JIEB) Management of Zakat and Waqf Journal (MAZAWA)) Dynamic Management Journal ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Journal of Indonesian Sharia Economics Al-Muraqabah: Journal of Management and Sharia Business Jurnal Ekonomi Islam Journal of Islamic Economics and Finance Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Al-Iqtishad
Pratikto, Muhammad Iqbal Surya
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ANALISIS KESEHATAN BANK DAN POTENSI FINANCIAL DISTRESS MENGGUNAKAN METODE RGEC PADA BANK BTPN SYARIAH TAHUN 2014-2018 Helmina Ardyanfitri; Muhammad Iqbal Surya Pratikto; Enha Arini Khusnul Faizah
Jurnal Mebis Vol. 4 No. 2 (2019): December 2019
Publisher : Jurnal Mebis

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sistem operasional perbankan di Indonesia sendiri terdiri dari dua macam sistemsalah satunya adalah sistem operasional Bank Syariah dimana kegiatan operasional yangdijalankan dapat terjadi berbagai macam resiko yang akan berpengaruh terhadap tingkatkesehatan bank sehingga dibutuhkan analisis kesehatan bank untuk digunakan para stakeholderdalam mengambil suatu keputusan. BTPN Syariah adalah anak perusahaan BTPN yang menjadibank Syariah ke 12 di Indonesia dan sebagai pilihan strategis bagi masyarakat pra sejahteraketimbang perbankan syariah lainnya Tujuan penelitian ini adalah untuk mengetahui bagaimanatingkat kesehatan dan potensi financial distress pada Bank BTPN Syariah menggunakan metodeRGEC periode 2014-2018. Metode penelitian ini adalah kuantitatif deskriptif dengan metodeRGEC dalam menganalisis laporan keuangan. Hasil penelitian ini menunjukkan bahwakesehatan Bank BTPN Syariah dari tahun 2014-2018 dinyatakan sangat sehat dan tidakberpotensi mengalami financial distress. Dengan begitu bank BTPN Syariah menunjukkanmampu berkinerja dengan sangat baik dalam menghadapi pengaruh negatif yang signifikan dariperubahan kondisi bisnis dan faktor eksternal lainnya.
Implementasi Tingkat Kesehatan Kinerja Keuangan Dan Potensi Financial Distress Melalui Pendekatan RGEC Dan ZMIJEWSKI Pada Bank Muamalat Indonesia Periode 2017-2021 Lola Triaulina; Muhammad Iqbal Surya Pratikto
Al-Muraqabah: Journal of Management and Sharia Business Vol. 3 No. 1 (2023): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuraqabah.v3i1.322

Abstract

The role of banking in running the wheels of the economy is very complex, so that banking institutions become one of the bodies that contribute to maintaining and maintaining the stability of the country's economy. One of the methods used to determine the soundness of banking is RGEC which has four components, including Risk Profile, Good Corporate Governance, Earnings, Capital. This research was conducted with the aim of knowing the soundness level of Bank Muamalat Indonesia during the last 2017 to 2021 period. The type of research used is the explanatory research method with the RGEC approach. The data source used is secondary data obtained from the website of Bank Muamalat Indonesia which contains financial reports for the period listed. The results of this study can be presented in the form of graphs and tables to make it easier to analyze. So the final results obtained for the period 2017 to 2021 are that Bank Muamalat Indonesia is in the third rank category or is at the soundness level with the "fairly healthy" category. This is in line with the results of research on the level of bankruptcy of Bank Muamalat Indonesia during the 2017-2021 period which received the title of "fairly healthy" in the last four periods, even though in 2017 it had experienced a high risk of bankruptcy.
Analisis Kelayakan Nasabah Dalam Pembiayaan KPR iB Griya Barokah Pada Bank Jatim Syariah Cabang Sidoarjo Herlina Rahma Yanti; Putri Ayu Fitria Sari; Wulan Alyu Nabilla; Muhammad Iqbal Surya Pratikto
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2024): Mei: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v2i2.1180

Abstract

The aim of this research is to determine the method used by Bank Jatim Syariah Sidoarjo Branch in analyzing the suitability of iB Barokah home ownership credit (KPR) customers. By using interview techniques, a qualitative research approach was used. Based on research findings, it is known that Bank Jatim Syariah Sidoarjo Branch applies the 5C principles by paying special attention to collateral, capacity and character. The sustainability of financing is greatly influenced by these three factors. Meanwhile, in the conditional point of economy and capital, it is only a supporting factor because it is considered not to have a significant impact on the financing process
Implementasi Strategi Penanganan Pembiayaan Bermasalah di Bank Panin Dubai Syariah Surabaya Sofyanto, Dita Putri; Fayakun, Aldo Deva; Ilham, Muhamad Arifin; Pratikto, Muhammad Iqbal Surya
JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 2 (2024): September 2024
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v3i2.1192

Abstract

This study examines how the strategy for handling non-performing financing at Bank Panin Dubai Syariah KCU Surabaya. The analysis method used is qualitative descriptive using a case study approach. Data collection techniques include observation and interviews. The results of the study show that in handling problematic financing, there are two divisions involved in rescue and settlement efforts for customers who experience payment problems. The Business Division (front end) is responsible for rescuing customers who are experiencing payment problems with a delay of less than 90 days by offering strategies such as installment repayment, rescheduling, reconditioning, and restructuring. Meanwhile, if the customer is late in paying more than 90 days from the due date, the handling of the customer will be taken over by the Special Asset Management Division (back end) by taking actions such as total repayment, voluntary surrender, and auction.
ANALYSIS SOUNDNESS LEVEL OF FINANCIAL REPOST PT BANK PEMBAGUNAN DAERAH JAWA TIMUR TBK THE CAMELS METHODE (2019-2023 Period) Sari, Putri Ayu Fitria; Yanti, Herlina Rahma; Nabilla, Wulan Alyu; Pratikto, Muhammad Iqbal Surya
Dynamic Management Journal Vol 8, No 3 (2024): July
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/dmj.v8i3.11292

Abstract

By applying the CAMEL (Capital, Asset Quality, Management, Earning and Liquidity) approach, this research seeks to determine the health condition of PT Bank Jatim Syariah Tbk in 2019 -2023. Based on the health level of PT Bank Pembangunan Daerah Jawa Timur Tbk for the period 2019 - 2023, the ROA, ROE and NI ratios are considered healthy, while the CAR, NPF, BOPO and FDR ratios are considered very healthy. Because each ratio result is in the quite healthy category, PDN is considered quite healthy. 
Analisis Tingkat Kesehatan Keuangan pada PT Bank Syariah Indonesia Tbk dengan Metode CAMEL Tahun 2018-2022 Amalia, Najwa; Sari, Mita Permata; Sa'bania, Nisfuizza Rara Nur; Pratikto, Muhammad Iqbal Surya
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 11 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Madura

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Abstract

Penelitian ini bertujuan untuk mengetahui tingkat kesehatan keuangan pada PT Bank Syariah Indonesia Tbk dengan metode CAMEL tahun 2018-2022. Hasil dari penelitian ini menunjukkan rasio CAR yang dimiliki PT Bank Syariah Indonesia Tbk pada tahun 2018-2022 termasuk dalam kategori sangat sehat karena berada diatas 12%. Kualitas aset dihitung menggunakan rasio NPF dengan predikat sehat di tahun 2018-2019 dan sangat sehat di tahun 2020-2022. Sedangkan rasio PDN untuk menganalisis manajemen berada dalam kategori cukup sehat. Rentabilitas perusahaan dihitung menggunakan 4 rasio, ROA, ROE, BOPO dan NI. Pada tahun 2018-2019 ROA berpredikat kurang sehat, tetapi terus berbenah pada 2020 untuk mendapatkan predikat sehat, dan berhasil mendapatkan predikat sangat sehat di tahun 2021 dan 2022, ROE pada tahun 2018 dan 2019 mendapatkan predikat kurat sehat, dan menjadi cukup sehat di tahun 2020, dan semakin baik di tahun 2021-2022 dengan predikat sehat. Rasio BOPO juga hampir sama dengan ROA dan ROE, yakni pada tahun 2018-2019 dalam kategori cukup sehat tetapi berhasil menjadi sangat sehat di 2020-2022. Rasio NI cukup berbeda karena pada 2018 berada dalam predikat sehat tetapi di 2019 mengalami penurunan menjadi cukup sehat, dan kembali pada predikat sehat di tahun 2020-2022. Untuk rasio FDR dalam perhitungannya, pada tahun 2018-2019 berada dalam kategori sehat dan 2020-2021 menjadi sangat sehat tetapi mengalami penurunan pada 2022 menjadi predikat sehat kembali.
ANALYSIS OF THE APPLICATION OF THE CAMELS METHOD TO MEASURE THE LEVEL OF HEALTH AT BANK MEGA SYARIAH FOR PERIOD 2019-2023 Nur Cahyani, Della; Khasanah, Faizatun; Auliyaun Nisaa, Mufida; Iqbal Surya Pratikto, Muhammad; Adam Bin Hamzy, Muhammad
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.18676

Abstract

Research aims: This study aims to assess the financial health of Bank Mega Syariah during the 2019–2023 period using the CAMELS framework, to determine its performance stability and risk exposure. Design/Methodology/Approach: This research employs a quantitative descriptive approach based on secondary data extracted from the annual financial reports of Bank Mega Syariah (2019–2023). The analysis is conducted using the CAMELS method, which evaluates six key aspects: Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. The performance of Bank Mega Syariah is ranked relative to other Islamic banks operating in Indonesia. Research findings: The results show that Bank Mega Syariah consistently maintained a sound financial position throughout the five-year period. The bank ranked first in key indicators such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operational Efficiency Ratio (BOPO), and Financing to Deposit Ratio (FDR). Additionally, it ranked second in Return on Assets (ROA) and Net Income (NI), and third in Net Operating Income (PDN), though it placed fourth in Return on Equity (ROE). Theoretical Contribution/Originality: This study contributes to the limited body of empirical literature on Islamic bank performance in Indonesia by offering a multi-year evaluation using the comprehensive CAMELS framework. It enhances understanding of Islamic bank resilience and performance indicators under Sharia compliance. Practitioners/Policy Implications: The findings provide useful insights for bank management, investors, and regulators to support strategic decision-making, risk mitigation, and regulatory supervision. They also highlight the importance of maintaining balanced financial ratios to ensure long-term sustainability. Research Limitations/Implications: The analysis is limited to one Islamic bank and relies solely on publicly available financial reports, without incorporating macroeconomic variables or customer perception data. Future research could expand the scope to include comparative studies across multiple Islamic banks or introduce qualitative dimensions.
ANALYSIS OF THE APPLICATION OF THE CAMELS METHOD TO MEASURE THE LEVEL OF HEALTH AT BANK MEGA SYARIAH FOR PERIOD 2019-2023 Nur Cahyani, Della; Khasanah, Faizatun; Auliyaun Nisaa, Mufida; Iqbal Surya Pratikto, Muhammad; Adam Bin Hamzy, Muhammad
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.18676

Abstract

Research aims: This study aims to assess the financial health of Bank Mega Syariah during the 2019–2023 period using the CAMELS framework, to determine its performance stability and risk exposure. Design/Methodology/Approach: This research employs a quantitative descriptive approach based on secondary data extracted from the annual financial reports of Bank Mega Syariah (2019–2023). The analysis is conducted using the CAMELS method, which evaluates six key aspects: Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. The performance of Bank Mega Syariah is ranked relative to other Islamic banks operating in Indonesia. Research findings: The results show that Bank Mega Syariah consistently maintained a sound financial position throughout the five-year period. The bank ranked first in key indicators such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operational Efficiency Ratio (BOPO), and Financing to Deposit Ratio (FDR). Additionally, it ranked second in Return on Assets (ROA) and Net Income (NI), and third in Net Operating Income (PDN), though it placed fourth in Return on Equity (ROE). Theoretical Contribution/Originality: This study contributes to the limited body of empirical literature on Islamic bank performance in Indonesia by offering a multi-year evaluation using the comprehensive CAMELS framework. It enhances understanding of Islamic bank resilience and performance indicators under Sharia compliance. Practitioners/Policy Implications: The findings provide useful insights for bank management, investors, and regulators to support strategic decision-making, risk mitigation, and regulatory supervision. They also highlight the importance of maintaining balanced financial ratios to ensure long-term sustainability. Research Limitations/Implications: The analysis is limited to one Islamic bank and relies solely on publicly available financial reports, without incorporating macroeconomic variables or customer perception data. Future research could expand the scope to include comparative studies across multiple Islamic banks or introduce qualitative dimensions.
Analisis Minat Masyarakat Terhadap Perbankan Syariah di Wilayah Kecamatan Panceng Kabupaten Gresik Ihsan, Nurul; Hadi, Nurrohman; Pratikto, Muhammad Iqbal Surya
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.2825

Abstract

Islamic banking in Indonesia in recent years has experienced extraordinary developments. However, the development of Islamic banking has not been able to attract the Indonesian people to join Islamic banking. As is the case in Panceng sub-district, Gresik district where public interest in Islamic banking is still very lacking. Therefore, the purpose of this study is to find out how the interest of the people in the Panceng sub-district towards Islamic banking. The approach used in this research is a qualitative approach. The results of this study indicate that public interest in the Panceng sub-district is still very low seen from the results of interviews, observations, and so on. This is due to the lack of public knowledge of Islamic banking, then they do not understand the system and operations applied to Islamic banks, as well as a sense of comfort towards conventional banks because they first know conventional banks are also a factor in the lack of public interest in Islamic banking in the region. Panceng District.
Analisis Tingkat Kesehatan dan Potensi Financial Distress dengan Metode RGEC Pada BNI Syariah Tahun 2014-2018 Iqbal Surya Pratikto, Muhammad; Qanita, Ariza; Ulfa Maghfiroh, Rahma
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 1 (2019): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.1.87-101

Abstract

Penilaian tingkat kesehatan bank merupakan hal yang sangat penting, tidak hanya untuk kepentingan stakeholder melainkan juga untuk kepentingan perusahaan itu sendiri. Dengan mengetahui kondisi kesehatan bank, manajemen bisa lebih mudah dalam menentukan arah kebijakan jalannya perusahaan ke depan. Dalam menjalankan bisnisnya, perbankan harus memperhatikan aspek risiko yang mungkin diakibatkan dari kegiatan operasionalnya. Penelitian ini bertujuan untuk menilai tingkat kesehatan dan potensi financial distress pada bank BNI Syariah dari tahun 2014 sampai 2018. Penilaian tingkat kesehatan bank sangat penting baik untuk stakeholder maupun untuk kepentingan pengambilan keputusan bagi manajemen bank itu sendiri. Tingkat kesehatan bank dibagi menjadi lima kategori yaitu “Sangat Sehat” yang dipersamakan dengan Peringkat Komposit 1 (PK-1), “Sehat” yang dipersamakan dengan Peringkat Komposit 2 (PK-2), “Cukup Sehat” yang dipersamakan dengan Peringkat Komposit 3 (PK-3), “Kurang Sehat” yang dipersamakan dengan Peringkat Komposit 4 (PK-4), dan “Tidak Sehat” yang dipersamakan dengan Peringkat Komposit 5 (PK-5). Metode penilaian tingkat kesehatan bank telah mengalami berbagai perubahan mulai dari CAMEL, CAMELS, dan yang terakhir dan saat ini digunakan adalah RGEC. RGEC mengukur empat komponen yaitu Risk Profile yang diproksikan melalui NPF dan FDR, GCG yang diproksikan melalui PDN, Earnings yang diproksikan melalui ROA, ROE, NI, dan BOPO, serta Capital yang diproksikan melalui CAR. Jenis penelitian ini adalah kuantitatif deskriptif dengan menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital) dalam analisis laporan keuangan. Hasil penelitian ini menunjukkan bahwa bank BNI Syariah dari tahun 2014 sampai 2018 masuk dalam peringkat PK-2 dan dinyatakan sehat serta tidak berpotensi mengalami financial distress.
Co-Authors Achmad Fajruddin Fatwa Adam Bin Hamzy, Muhammad Ali Mustofa, Imam Amalia, Najwa Aminin, Rista Izza Ardyanfitri, Helmina Arifin, Ah. Ali Ariza Qanita Auliyaun Nisaa, Mufida Azizah Malik, Rizki Clarissa Belinda Fabrela El Nadia, Nada Enha Arini Khusnul Faizah Enha Arini Khusnul Faizah Fabrela, Clarissa Belinda Farida Ulfa Fatwa, Fajruddin Fayakun, Aldo Deva Feni Febrianti Galuh Ajeng Safitri Hadi, Nurrohman Hafidz Akmal khoirony Hafidz Akmal khoirony Handila Rizka Helmina Ardyanfitri Herlina Rahma Yanti Ihsan, Nurul Ilham, Muhamad Arifin Imam Ali Mustofa Khasanah, Faizatun Laila maghfiroh Lola Triaulina Maghfiroh, Rahma Ulfa Malik, Rizki Azizah MASADAH Masadah Maziyah Mazza Basya Mohammad Dliyaul Muflihin Mohammad Khoiruzi Afiq Muhammad Fadhil Aziz Ramadhan Muhammad Rizky Antonio Toefany Muhammad Sholahuddin Majid Muhammad Yazid Muhammad Yazid Muntazeri, Eliya Najma Nabilatul Amaliyah Nabilatul Mumtazah Putri Husaein Nabilla, Wulan Alyu Nada El Nadia Nisha Nor Rahmawati Nur Cahyani, Della Nur Maulidah Dini Rahmani Nurhayati Nurhayati Nurhayati Nurrohman Hadi Nurul Aulia Herlina Angganita Nurul Aulia Herlina Angganita Nurul Fatma Hasan Nurul Ihsan Putri Ayu Fitria Sari Qanita, Ariza Rafi Setya Iqbal Pratama Rahma Ulfa Maghfiroh Rahmani, Nur Maulidah Dini Rahmawati, Lilik Rista Izza Aminin Rizka Nabilah Al-Wakhidah Rizka Nur Aini Sa'bania, Nisfuizza Rara Nur Safitri, Galuh Ajeng Sari, Mita Permata Sari, Putri Ayu Fitria Setya Iqbal Pratama, Rafi Setya Iqbal Pratama, Rafi Siti Nur Azizah Siti Nur Azizah Sofyanto, Dita Putri Sri Wigati Suqiyah Musafaah Toyyibatus Samsiah Toyyibatus Samsiah Ulfa Maghfiroh, Rahma Wulan Alyu Nabilla Yanti, Herlina Rahma