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METODE ANGELS SEBAGAI PENILAIAN TINGKAT KESEHATAN BANK SYARIAH DI INDONESIA Hendra Syahputra; Hendrik Tri Oktaviansyah
Jurnal Ekonomi Syariah Darussalam Vol. 4 No. 2 (2023): Agustus 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v4i2.2503

Abstract

This study aims to analyze the bank health assessment using ANGELS approach in Sharia Bank. This research uses a non-interactive qualitative approach that is an analysis research that conducts assessment based on document analysis and provides interpretation of a concept. Primary data is done by using structured interviews using prepared questionnaires, secondary data from this research are sharia financial report year 2016 in the form of ROA, ROE, CAR, NPF, LDR and MR. The results of this study indicate that the health assessment of Sharia Bank using ANGELS has a score of 86.79 so it is said to be healthy. The concept of ANGELS which consists of (Amanah Management, Non-Economic Wealth, Give Out, Earning, Capital and Asset, Liquidity and Sensitivity to Market and Economich Wealth) in practice needs to be done revision is indicators amanah management of accountability to God and accountability to nature because in practice these indicators are contrary to the concept practiced in the field. revision of accountability to God and accountability to nature is change into ihsan and tablig.
ANALYZING THE IMPACT OF CAPITAL STRUCTURE AND GOVERNANCE ON THE RISK PROFILE AND FINANCIAL STABILITY OF ISLAMIC BANKS IN INDONESIA Hendrik Tri Oktaviansyah; Sjafruddin; Robby Reza Zulfikri
Journal of Contemporary Indonesian Islam Vol. 4 No. 2 (2025): Journal of Contemporary Indonesian Islam
Publisher : Postgraduate Program UIN Sultanah Nahrasiyah Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/jcii.v4i2.7163

Abstract

This study aims to examine the impact of Islamic capital structure and governance on risk and the health of Islamic banks. This research employs a quantitative methodology. The sample consists of 10 Islamic banks in Indonesia, analyzed over a 10-year period from 2011 to 2020. The data used in this study includes both primary and secondary data. Primary data was collected through questionnaires distributed to various management parties related to the health of Islamic banks, using the ANGELS approach. Secondary data consists of financial reports from Islamic banks over the 10-year period. The findings indicate that capital structure has a positive impact on the health of Islamic banks, while governance and risk also have a significant positive effect on the health of Islamic banks. The originality of this study lies in assessing the health of Islamic banks using the ANGELS approach, as the CAMELS and RGEC methods have been frequently used by Islamic banks for health assessments. This study contributes to the understanding of the importance of capital structure for Islamic banks in Indonesia to improve their health.