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Analisis Kinerja Keuangan Perbankan Syariah Menggunakan Metode CAMEL di PT. Bank Tabungan Pensiunan Nasional Syariah Periode 2019-2022 Sucipto, Moch Cahyo; Zaenal, Rian; Jalaludin, Jalaludin; Nurbaeti, Ayi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.469

Abstract

For banking institutions, the role of financial performance is very important. Because, if the financial performance of a bank has a good predicate, it can directly increase public confidence in making loans or investing. The fluctuating JCI in stock exchange trading certainly affects the stock performances of several issuers, including BTPN Syariah. BTPN Syariah shares have fluctuated from 2019 - 2022. And 38.77% of foreign sales have occurred, so it is very interesting to conduct this research. The purpose of this study was to determine the financial performance of Islamic banking based on the CAMEL (Capital, Asset, Management, Earning and Liquidity) method at PT. Sharia National Pension Savings Bank for the 2019-2022 Period. This study uses a descriptive method with a quantitative approach. Based on the results of the discussion above, it can be concluded that the health level of BTPN Syariah for the 2019-2022 period is based on: 1). Capital (capital) received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations; 2). Assets (Quality of Earning Assets) received the title “Healthy”, because the KAP value obtained was below 10.35%; 3). Management (Management) by assessing the level of NPM (Net Profit Margin) gets the predicate "Sufficiently Healthy", because the NPM value obtained is in the range of 66%-81%; 4). Earning (profitability) uses two ROA and BOPO ratios, ROA for 2019-2022 gets the "Very Healthy" category, because the ROA value obtained is above 1.5%. Meanwhile, the health level of the BOPO ratio for the 2019-2022 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. 5). Liquidity (Liquidity) using the ratio of FDR (Finance to Deposit Ratio) obtained the predicate "Sufficiently Healthy", because the FDR value obtained is in the range of 85%-100%. Furthermore, based on the results of calculating the soundness level of BTPN Syariah in 2019-2022 using the CAMEL method, it is in the "Healthy" position, because the resulting CAMEL value is in the range of 81-100, meaning that BTPN Syariah banks during the 2019-2022 period are considered capable of managing finances or performance. Islamic banking finance well.
Pengaruh Label Halal Terhadap Keputusan Pembelian Produk Kosmetik Wardah Outlet Cantik Mart Plered Purwakarta Herdi, Rahmawati; Sucipto, Moch Cahyo; Sopian, Ahmad Ali
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 1 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v9i1.1197

Abstract

Cosmetics are one of the products offered to meet consumers' secondary needs and desires to look more beautiful and attractive. Since the majority of the population in Indonesia is Muslim, the certainty of a product's halal status is an important consideration. The development of halal cosmetics in Indonesia has seen significant growth. This is marked by the emergence of various cosmetic companies with different brands. One of the most well-known cosmetic brands in society is Wardah. The purpose of this study is to determine the influence of halal labeling on purchasing decisions for Wardah cosmetic products at the Cantik Mart Plered Purwakarta outlet, as well as to measure the extent of this influence on purchasing decisions. This research uses a quantitative descriptive method with a population of 112 respondents and a sample using the purposive sampling technique calculated using the Slovin formula with a 5% error rate, resulting in a sample size of 87 respondents. The results of this study can be concluded that the Halal Label has an influence on consumers' decisions to purchase cosmetics at the Wardah Cantik Mart Plered Purwakarta outlet. This is evidenced by the calculated t-value being greater than the table t-value (10.059 > 1.98827) with a significance level less than 0.05 (0.000 < 0.05). Based on these data, it can be stated that the Halal Label has a significant influence. The extent of the Halal Label's influence on purchasing decisions can be seen from the T-test results, which yielded an R-square value of 0.571. Thus, the results of this study indicate that the Halal Label influences purchasing decisions by 57.1%, while the remaining 42.9% is influenced by variables outside the scope of this study.
Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode Risk Profile, Good Coorporate Governance, Earning, & Capital (RGEC) terhadap Bank Umum Syariah yang Terdaftar di OJK Periode 2019-2022: Studi Kasus Perusahaan Perbankan Syariah Yang Terdaftar di Otoritas Jasa Keuangan Sucipto, Moch Cahyo; Suryana, Eka Ahadiyat; Nuraidah, Siti Iwa
JISMA: Jurnal Ilmu Sosial, Manajemen, dan Akuntansi Vol 3 No 5 (2025): Agustus 2025
Publisher : Melati Institute

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

Abstract

The role of banks in today's society is so important, banks must be able to survive in every condition that occurs. Assessment of the Soundness Level of Sharia Commercial Banks with provisions for capital adequacy, asset quality, management quality, liquidity, profitability and solvency, as well as other aspects related to business and the obligation to carry out business activities in accordance with the precautionary principle. The main indicator used as the basis for bank health research is the financial reports of Islamic commercial banks which do not yet show the bank's overall financial condition. Then, risk management begins with the awareness that risk cannot be avoided or eliminated but is controlled by assessing the health level of Islamic commercial banks. The aim of this research is to find out the health level of sharia commercial banks registered with the financial services authority (OJK) for the 2019-2022 period as measured using the RGEC method, and to find out the health level of sharia commercial banks. This type of research is descriptive quantitative with research subjects at Sharia Commercial Banks registered with the Financial Services Authority (OJK) for the period 2019 - 2022. The data in this research uses secondary data in the form of financial reports. The sampling technique uses purposive sampling. The analysis technique used is bank health analysis with a risk approach (Risk-based Bank Rating) with assessment coverage based on Risk Profile, Good Corporate Governance, Earning and Capital (RGEC) factors. The research results show that the health level of PT. Bank Aceh Syariah, for the 2019-2022 period as measured by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, & Capital) as a whole is included in Composite Rank 1 (PK-1), reflecting the bank's condition which is generally "Very Healthy" , so it is considered very capable of facing significant negative assumptions from changes in business conditions and other external factors. Then PT. BPD Riau Kepri Syariah, and PT. Bank Muamalat Indonesia Tbk for the 2019-2022 period as measured using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) as a whole can be said to be included in Composite Rank 2 (PK-2), reflecting the condition of the bank which is generally "Healthy ”. The conclusion shows that the condition of the 3 Islamic commercial banks is that 1 bank is categorized as very healthy and 2 banks are categorized as healthy, but overall, the average percentage of the 3 Islamic commercial banks is in the "Very Healthy" category based on the bank health ratio calculation.