Fahrina Mustafa, Riad Mustafa, M. N. Lisan Sediawan, Ernawaty Usman

Studi Mengenai Kinerja Keuangan Bank Bukopin Syariah Tahun 2020-2022 dengan Metode CAMEL

Introduction

Studi mengenai kinerja keuangan bank bukopin syariah tahun 2020-2022 dengan metode camel. Analisis kinerja keuangan Bank Bukopin Syariah tahun 2020-2022 menggunakan metode CAMEL. Menemukan penurunan namun bank tetap 'Sehat' dan menawarkan prospek investasi menjanjikan.

Abstract

Kinerja keuangan bank di Indonesia merupakan salah satu factor utama yang dijadikan indikator sehat atau tidaknya bank terkait, khususnya Bank Bukopin Syariah yang merupakan unit analisis di penelitian ini. Dengan aplikasi dari metode CAMEL, penelitian ini menggunakan data keuangan dari tahun 2020 hingga 2022 dari Bank Bukopin Syariah. Jenis data pada penelitian ini berupa data sekunder yang terdokumentasi dan dapat diakses melalui situs resmi Bursa Efek Indonesia. Teknik pengumpulan data yang diterapkan adalah melalui dokumentasi, dan variabel yang menjadi fokus adalah kinerja keuangan yang dievaluasi menggunakan Metode CAMEL. Hasil analisis menunjukkan bahwa Bank Bukopin Syariah menghadapi penurunan, tetapi tetap dikategorikan sebagai "Sehat" dengan upaya restrukturisasi keuangan dan khusus untuk perspektif investasi, Bank Bukopin Syariah menonjol sebagai opsi yang menjanjikan.

Review

The submitted abstract outlines a study focused on the financial performance of Bank Bukopin Syariah from 2020 to 2022, utilizing the well-established CAMEL method. This research addresses a pertinent topic within the Indonesian banking sector, particularly concerning the health indicators of Islamic financial institutions. The stated objective is clear: to assess the bank's performance using contemporary secondary financial data retrieved from the Indonesia Stock Exchange, providing a recent snapshot of its operational and financial standing. The chosen methodology, relying on documentation and CAMEL analysis, appears straightforward and appropriate for this type of evaluative study. A significant strength of this work lies in its timely analysis of Bank Bukopin Syariah's performance over a recent period (2020-2022), offering current insights into the bank's resilience and strategic direction. The application of the CAMEL method is a robust and widely accepted approach for evaluating bank health, ensuring that the assessment is based on recognized regulatory and analytical frameworks. The clear specification of data type (secondary), source (IDX official website), and collection technique (documentation) demonstrates a well-defined methodological approach that provides a solid foundation for the findings presented. The preliminary findings, indicating that Bank Bukopin Syariah, despite experiencing a decline, maintains a "Sehat" (Healthy) categorization due to financial restructuring efforts, are particularly intriguing. Furthermore, the conclusion positioning the bank as a "promising investment option" suggests a positive outlook that warrants further detailed substantiation in the full manuscript. While the abstract presents a compelling summary, a comprehensive paper would benefit from elaborating on which specific CAMEL components contributed to the "decline" and how these were mitigated by restructuring to maintain a "Sehat" status. Detailed discussion on the rationale behind the "promising investment" claim, possibly through comparative analysis or specific financial ratios, would further enhance the study's impact and practical utility.

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