Abstract
The performance of Islamic banks during the Covid-19 pandemic has had an impact on the financial soundness of Islamic Banks. Islamic Banks in Indonesia should restructure the Financing (PYD) which results in the acquisition of revenue and net profit received by the bank. The aims of this study are to analyze the soundness of Bank BNI Syariah using the CAMEL, RGEC method, the level of cost efficiency and profitability. Then also measured the potential for BNIS bankruptcy with the Altman Z-Score model. The potential risk of bankruptcy in Islamic Banks is very possible if bank management during the Covid-19 pandemic are not carried out properly and professionally. Secondary data is used during the period 2015 to 2020 to analyze the performance of Islamic Banks before the pandemic and during the pandemic. The results of the CAMEL and RGEC analysis show that soundness conditions varied from "Not Very Good" to "Very Good" from 2015 to 2020. In 2020 the soundness condition of BNIS is "Fairly Good". Meanwhile, the Altman Z-Score shows that BNIS is experiencing a “Not Bankrupt” condition, the level of bank efficiency is “High” and at analysis of profitability as reflected by the ROA ratio, ROE during the pandemic has decreased.
Highlights
Sepanjang tahun 2020 – 2021 merupakan tahun yang menantang bagi industri perbankan nasional
The performance of Islamic banks during the Covid-19 pandemic has had an impact on the financial soundness of Islamic Banks
which results in the acquisition of revenue
Summary
Sepanjang tahun 2020 – 2021 merupakan tahun yang menantang bagi industri perbankan nasional. Saat ini kinerja keuangan perbankan nasional tengah mengalami kondisi yang sulit terutama masalah Pembiayaan Yang Disalurkan (PYD) sehingga Otoritas Jasa Keuangan (OJK) mengeluarkan kebijakan POJK No 11/POJK.03/2020 tentang Stimulus Perekonomian Nasional sebagai Kebijakan Countercyclical Dampak Penyebaran Covid-19. Hal ini berarti BUK lebih baik dalam penyaluran pembiayaan dibandingkan dengan BUS pada situasi pandemi Covid-19. Tingkat performance atau kinerja BNIS pada umumnya dapat diukur dengan pendekatan rasio keuangan seperti CAMELS, RGEC, financial distress Altman-Z Score, tingkat efisiensi model CRS dan profitabilitas. Tujuan pengukuran tingkat kesehatan bank syariah, financial distress, tingkat efisiensi dan profitabilitas untuk mengukur kinerja bank terutama di masa pandemi Covid 19. Periode 2015 – 2020 digunakan untuk menampilkan data keuangan sebelum masa pandemi dan pada saat pandemi serta analisis efisiensi dengan membandingkan Bank Umum Syariah lainnya agar dapat diketahui bagaimana tingkat efisiensi Bank BNI Syariah di bandingkan bank syariah lainnya
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