Framework for Performance Analysis of 10 Sharia Commercial Banks using CAMELS and PLS approaches compared to 10 Conventional Commercial Banks in Indonesia
DOI:
https://doi.org/10.61841/rnxp9w22Keywords:
Sharia Commercial Banks, Commercial Banks, CAMELS, PLS, PerformanceAbstract
Sharia Commercial Bank has a noble task of facilitating the public to be able to transact with banks in ways that are blessed by Allah Subhanahu wa ta'ala, which has justified the sale and prohibition of usury, as stated in His Word Al Qur ' an Al-Baqarah verse 275, this research will conduct an analysis of information related to the level of Performance Index of 10 Sharia Commercial Banks with CAMELS and PLS approaches compared to 10 Conventional Commercial Banks in Indonesia, and in this study will look for significant differences between bank performance Islamic banks and conventional commercial banks in Indonesia, and in particular significant differences between CAR, NPF / NPL, ROA, ROE, OER / BOPO and FDR / LDR in Islamic commercial banks and conventional banks in Indonesia, with a statistical least square approach ( PLS) - structure equation modeling (SEM).
Downloads
References
Abduh, M. (2018). Assessing the performance of Islamic banking in brunei darussalam: Evidence from 2011-20161.
Al-Shajarah, Special Issue: ISLAMIC BANKING AND FINANCE, 171–189.
Abdul Rahman, R., & Masngut, M. Y. (2014). The use of “CAMELS” in detecting financial distress of Islamic banks in Malaysia. Journal of Applied Business Research, 30(2), 445–452.
https://doi.org/10.19030/jabr.v30i2.8416
Alam Choudhury, M., & Azizur Rahman, A. (1986). Macroeconomic Relations in the Islamic Economic Order Emerald Insight. International Journal of Social Economics.
https://www.emerald.com/insight/content/doi/10.1108/eb014019/full/html
Ali HT, H., Aziz, R. M., & Sagantha, F. (2018). The Efficiency Analysis of Sharia Banking with DEA and Islamic
Value. KnE Social Sciences, 3(8), 516. https://doi.org/10.18502/kss.v3i8.2530
Al-Sulaiti, J., Ousama, A. A., & Hamammi, H. (2018). The compliance of disclosure with AAOIFI financial
accounting standards: A comparison between Bahrain and Qatar Islamic banks. Journal of Islamic
Accounting and Business Research, 9(4), 549–566. https://doi.org/10.1108/JIABR-10-2017-0144
Ananda, M. A. (2013). ANALISIS PENGARUH CAR, FDR, NPF DAN BOPO TERHADAP ROA BANK UMUM
SYARIAH (Studi kasus pada Bank Umum Syariah di Indonesia Periode 2010 – 2012). IAIN Sumatera Utara.
Avkiran, N. K. (2018). Measuring the Systemic Risk of Regional Banks in Japan with PLS-SEM. Theoretical
Economics Letters, 08(11), 2024–2037. https://doi.org/10.4236/tel.2018.811132
Avkiran, N. K., Ringle, C. M., & Low, R. (2018). Monitoring transmission of systemic risk: Application of PLS-SEM
in financial stress testing Monitoring transmission of systemic risk: Application of PLS-SEM in financial
stress testing. Journal of Risk, 20, 83–115.
Ayadurai, C., & Eskandari, R. (2018). Bank soundness: A PLS-SEM approach. International Series in Operations
Research and Management Science, 267, 31–52. https://doi.org/10.1007/978-3-319-71691-6_2
Baltagi, B. H. (2006). Panel Data Econometrics Theoretical Contributions and Empirical Applications. Elsevier.
Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan, 53 1 (1992).
Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan, Bank Indonesia 1 (1998).
BI. (2004a). PBI No. 6/10/PBI/2004 tentang sistem penilaian tingkat kesehatan bank umum. Peraturan Bank
Indonesia, 1–23.
BI. (2004b). SE BI No. 6/23/DPNP 2004, Perihal Sistem Penilaian Tingkat Kesehatan Bank Umum. Surat Edaran
Bank Indonesia, 1–11.
BI. (2007a). PBI No. 9/1/PBI/2007 Tentang Sistem Penilaian Tingkat Kesehatan Bank Umum Berdasarkan Prinsip
Syariah. Peraturan Bank Indonesia.
BI. (2007b). SE BI No. 9/24/DPbS Tentang Sistem Penilaian Tingkat Kesehatan Bank Umum Berdasarkan Prinsip
Syariah. Surat Edaran Bank Indonesia, 1–10.
Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah, 2008 1 (2008).
BI. (2011a). PBI No. 13/1/PBI/2011 Tentang Penilaian Tingkat Kesehatan Bank Umum. Peraturan Bank Indonesia,
1–31.
BI. (2011b). SE BI N0.13/24/DPNP/2011 Tentang Penilaian Tingkat Kesehatan Bank Umum. Surat Edaran Bank
Indonesia, 13, 1–28.
Chapra, M. U., & Bank, I. D. (2008). The Islamic Vision of Development in the Light of the Maq ā sid Al-Shar ī ‘ ah.
January. https://doi.org/10.13140/RG.2.1.4188.5047
Dritsakis, N., & Stamatiou, P. (2018). Causal Nexus Between Fdi, Exports, Unemployment and Economic Growth for
the Old European Union Members. Evidence From Panel Data. International Journal of Economic Sciences,
VII(2). https://doi.org/10.20472/es.2018.7.2.002
Bunga (Interest/Fa’Idah), FATWA MAJELIS ULAMA INDONESIA Nomor 1 Tahun 2004 Tentang BUNGA
(INTEREST/FA’IDAH) 1 (2004).
Gadzo, S. G., Kportorgbi, H. K., & Gatsi, J. G. (2019). Credit risk and operational risk on financial performance of
universal banks in Ghana: A partial least squared structural equation model (PLS SEM) approach. Cogent
Economics and Finance, 7(1), 1–16. https://doi.org/10.1080/23322039.2019.1589406
Gemar, P., Gemar, G., & Guzman-Parra, V. (2019). Modeling the sustainability of bank profitability using partial
least squares. Sustainability (Switzerland), 11(18), 1–13. https://doi.org/10.3390/su11184950
Georgantopoulos, A. G., Tsamis, A. D., & Agoraki, M. E. K. (2015). The Euro-adoption effect and the bank, market,
and growth nexus: New evidence from EU panels. Journal of Economic Asymmetries, 12(1), 41–51.
https://doi.org/10.1016/j.jeca.2015.01.002
Gujarati, D. N., & Aigner, D. J. (2003). Basic Econometrics. In McGrawHill. https://doi.org/10.2307/2230043
Hakim, A. R. (2019). LR Klein: Riwayat, Konstribusi, dan The Economic Forecasting. Fakultas Ekonomi Universitas Indonesia, January.
Harjito, M. (2008). Manajemen Keuangan. Penerbit Ekonisia, Yogyakarta.
Hudaefi, F. A., & Noordin, K. (2019). Harmonizing and constructing an integrated maqāṣid al-Sharīʿah index for measuring the performance of Islamic banks. ISRA International Journal of Islamic Finance, 11(2), 282–302. https://doi.org/10.1108/IJIF-01-2018-0003.
Hussain, H.I., Kamarudin, F., Mohamad Anwar, N.A., Nassir, A.M., Sufian, F., Mang Tan, K. (2020), Impact of
Country’s Governance Dimensions on Bank Revenue Efficiency: Overview on Middle East, Southeast Asia,
and South Asia Countries, Transformations in Business & Economics, 19 (1), 191-228.
Indra, P. (2008). Analisis Kinerja Keuangan Bank Syariah dan Bank Konvensional di Indonesia.
Joko Purwanto, T. (2011). Analisis Besarnya Pengaruh Pembiayaan, Financing to Deposit Ratio (FDR), Rasio Non
Performing Financing (NPF) Terhadap Laba Bank Syariah: Studi Kasus PT Bank Muamalat Indonesia, Tbk.
Kasmir. (2008). Manajemen Perbankan (Revisi 2008). PT. Raja Grafindo Persada.
Kumar, V., & Sayani, H. (2015). Application of CAMEL model on the GCC Islamic Banks: 2008-2014. Journal of
Islamic Banking and Finance, 3(2), 1–14. https://doi.org/10.15640/jibf.v3n2a1
Laila, N., & Widihadnanto, F. (2017). Financial distress prediction using Bankometer model on Islamic and
conventional banks: Evidence from Indonesia. International Journal of Economics and Management,
11(SpecialIssue1), 169–181.
Mayastuti, I. M., Fathurahman, M., & Wahyuningsih, S. (2014). Pemodelan Faktor-faktor yang Mempengaruhi
Tingkat Pengangguran di Kota Samarinda , Balikpapan , Tarakan dan Bontang Menggunakan Regresi Data
Panel Modeling Factors Affecting The Level of Unemployment in Province of East Kalimantan using Panel
Data Regress. Jurnal Eksponensial, 5, 81–90.
Mikhailitchenko, S. (2016). Estimates of net capital stock and consumption of fixed capital for Australian states and
territories, 1990-2013. Regional Statistics, 6(2), 114–128. https://doi.org/10.15196/RS06206
Nugrohowati, R. N. I., & Bimo, S. (2019). Analisis pengaruh faktor internal bank dan eksternal terhadap NonPerforming Financing (NPF) pada Bank Perkreditan Rakyat Syariah di Indonesia. Jurnal Ekonomi &
Keuangan Islam, 5(1), 42–49. https://doi.org/10.20885/jeki.vol5.iss1.art6
Pramudhito, R. A. S. (n.d.). FAKULTAS EKONOMIKA DAN BISNIS UNIVERSITAS DIPONEGORO SEMARANG.
71.
RASYIDIN, D. (2016). FINANCING TO DEPOSIT RATIO (FDR) SEBAGAI SALAH SATU PENILAIAN
KESEHATAN BANK UMUM SYARIAH (Study Kasus Pada Bank BJB Syariah Cabang Serang).
ISLAMICONOMIC: Jurnal Ekonomi Islam, 7(1), 19–36. https://doi.org/10.32678/ijei.v7i1.34
S, M. (2002). Analisis Laporan Keuangan. Liberty, Yogyakarta.
Saif-alyousfi, A. Y. H., Saha, A., & Md-rus, R. (2017). Profitability of Saudi Commercial Banks: A Comparative
Evaluation between Domestic and Foreign Banks using CAMEL Parameters. International Journal of
Economics and Financial Issues, 7(2), 477–484.
Samuelson, P. A., & Nordhaus, W. D. (2009). Economics nineteenth edition. www.mhhe.com
Sanchez, G. (2013). PLS Path Modeling with R. In Trowchez Editions. Berkeley. https://doi.org/citeulike-articleid:13341888
Subanti, S., & Hakim, A. R. (2011). Peran Sektor Ekonomi Prioritas Terhadap Kesempatan Kerja dan Pendapatan di
Indonesia Tahun 1995-2005 (Analisis Input-Output). Fakultas Ekonomi Universitas Indonesia.
https://www.researchgate.net/publication/288591993_Peran_Sektor_Ekonomi_Prioritas_Terhadap_Kesempa
tan_Kerja_dan_Pendapatan_di_Indonesia_Tahun_1995_-2005_Analisis_Input-Output
Sudaryo, Y., & Haera, N. (2018). ANALISIS INFLASI, NILAI TUKAR RUPIAH, FINANCING DEPOSIT RATIO
(FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITAS (ROA) PADA
PT BANK SYARIAH MANDIRI PERIODE 2011- 2017. Jurnal Indonesia Membangun, 17(2).
https://doi.org/10.1017/CBO9781107415324.004
Tri Basuki, A. (2016). Pengantar Ekonometrika (Dilengkapi Penggunaan Eviews).
Wibowo. (2011). Manajemen Kinerja (Edisi Ketiga. Cetakan ke-4). PT Rajagrafindo Persada, Jakarta.
Wibowo, E. S., & Syaichu, M. S. (2013). ANALISIS PENGARUH SUKU BUNGA, INFLASI, CAR, BOPO, NPF
TERHADAP PROFITABILITAS BANK SYARIAH. DIPONEGORO JOURNAL OF MANAGEMENT, 2, 1–10.
Zakisamani, Hermanto, & Sripancawatimartiningsih, R. (2018). The Influence of The Macroeconomic factors As Measured by Inflation , Interest ( BI Rate ) and GDP Growth , Market Share as measured by the share of bank financing and Bank Health Level measured by CAR , FDR , NPF , ROA to Return On Assets ( ROA ) Islamic. Journal of Business and Management (IOSR-JBM), 20(5), 25–40. https://doi.org/10.9790/487X-2005052540
Zedan, K. A., & Daas, G. (2017). Palestinian Banks Analysis Using CAMEL Model. International Journal of Economics and Financial Issues, 7(1), 351–357.
Downloads
Published
Issue
Section
License
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
