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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Fidela Rizki Ananda
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Komparasi Kinerja Keuangan Menggunakan Metode Camel pada Bank Konvensional dan Bank Digital Tahun 2021-2024 Selama Masa Pandemi dan Transisi Pandemi Covid-19 Fidela Rizki Ananda; Ifan Wicaksana Siregar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i10.9708

Abstract

This study aims to compare the financial performance of conventional and digital banks in Indonesia during the 2021–2024 period, covering the Covid-19 pandemic and the post-pandemic transition. The analysis method used is CAMEL (Capital, Asset Quality, Management, Earnings, and Liquidity) with indicators including Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR). This research employs a quantitative approach with a descriptive comparative method involving six sample banks, consisting of three conventional banks and three digital banks listed on the Indonesia Stock Exchange. The data used are annual financial reports published during the research period. The findings indicate significant differences in several financial ratios, particularly CAR and NPL, between conventional and digital banks. In general, digital banks have higher capital ratios and lower NPLs, while conventional banks show more stable performance in profitability and operational efficiency ratios. These results can serve as a reference for banks and stakeholders in formulating post-pandemic business strategies.
Co-Authors Ifan Wicaksana Siregar