Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)

Eka Sutisna; Raihan R; Edi Suhara; Rabia Rahmania

doi:doi:10.11648/j.ijefm.20241206.17

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Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)

Eka Sutisna^*

, Raihan R

, Edi Suhara

, Rabia Rahmania

Published in International Journal of Economics, Finance and Management Sciences (Volume 12, Issue 6)

Received: 16 September 2024 Accepted: 28 November 2024 Published: 7 December 2024

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Abstract

Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the CAMEL Method (Study at PT. Bank Rakyat Indonesia (Persero), Tbk). This study aims to determine whether PT. Bank Rakyat Indonesia (Persero), Tbk experiences differences in financial health as measured by CAMEL (Capital, Assets, Earnings and Liquidity) between during and after the COVID-19 pandemic. The method used in this analysis is the Descriptive Method with a Quantitative Approach. The data used are the Financial Reports of PT. Bank Rakyat Indonesia (Persero), Tbk for the period 2020 - 2023. and the data analysis technique uses the CAMEL Method. The results of the study show that CAMEL PT. Bank Rakyat Indonesia (Persero), Tbk During and After the COVID-19 Pandemic is declared healthy. Average CAR BRI During COVID-19 23.60% and CAR BRI After COVID-19 23.60%, Average KAP During COVID-19 1.76% and After COVID-19 1.96%, Average NPM During COVID-19 72.45% and After COVID-19 78.64%, Average ROA During COVID-19 2.82% and After COVID-19 3.93% and Average LDR During COVID-19 82.76% and After COVID-19 84.73%. Bank BRI was able to face the economic crisis during COVID-19 and was consistently able to maintain its financial performance well.

Published in	International Journal of Economics, Finance and Management Sciences (Volume 12, Issue 6)
DOI	10.11648/j.ijefm.20241206.17
Page(s)	433-438
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

CAMEL Method, Financial Health, COVID-19 Pandemic

References

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[3]	Andrianto. (2022). Comparative Analysis of Bank Muamalat Indonesia's Financial Performance Before and During the COVID-19 Pandemic, Thesis, Faculty of Islamic Economics and Business. State Islamic Institute of Palopo.
[4]	BANK RAKYAT INDONESIA. (2015). Profile of PT Bank Rakyat Indonesia (Persero) Tbk. Bank
[5]	Bank Indonesia In accordance with the rules issued by Bank Indonesia Number 6/10PBI/2004 concerning the General Bank Health Level Assessment System https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://peraturan.bpk.go.id/Details/137709/peraturan-bi-no-610pbi2004&ved=2ahUKEwiqkL7qpKGJAxX8oGMGHdIpGdoQFnoECBUQAQ&usg=AOvVaw2gIiFkYsP32xA6vHFsjYgu
[6]	Casado-Aranda, L.-A., Sánchez-Fernández, J., & Montoro-Ríos, F. J. (2018). How Consumers Process Online Privacy, Financial, and Performance Risks: An fMRI Study. Cyberpsychology,
[7]	Eka Sutisna (October 2023) Analysis of Banking Financial Ratio Before and During COVID-19 Pandemic https://www.ilomata.org/index.php/ijjm/article/view/958
[8]	Fauziah, Neno Syifa (2017) Comparative Analysis of Financial Performance of Bank Mandiri (Persero) Tbk and Bank Central Asia Tbk for the Period 2010-2014 https://repository.mercubuana.ac.id/id/eprint/33593/
[9]	Indonesia, B. (2004). General Bank Health Level Assessment System. 6, 1–3. https://ojk.go.id/id/regulasi/Pages/PBI-tentang-Penilaian-Tingkat-Kesehatan-Bank-Umum.aspx
[10]	MustkaBudiarti, R (2013) (Capital, Quality of ProductiveAssets, Management, Rentability, and Liquidity to Assess the Health Level of Banks at PT Bpr Dana Pensiun Tabungan Dan AsuransiPegawai Negeri (PT Bpr Dp Taspen) Pondok Gede Bekasi for the 2010-2012 Period. https://eprints.uny.ac.id/17690/
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[12]	Sudjana, Nana, 1989, Research Methodology, Sinar Baru Bandung Publisher https://onesearch.id/Author/Home?author=Sudjana%2C+Nana

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APA Style

Sutisna, E., R, R., Suhara, E., Rahmania, R. (2024). Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023). International Journal of Economics, Finance and Management Sciences, 12(6), 433-438. https://doi.org/10.11648/j.ijefm.20241206.17

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ACS Style

Sutisna, E.; R, R.; Suhara, E.; Rahmania, R. Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023). Int. J. Econ. Finance Manag. Sci. 2024, 12(6), 433-438. doi: 10.11648/j.ijefm.20241206.17

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AMA Style

Sutisna E, R R, Suhara E, Rahmania R. Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023). Int J Econ Finance Manag Sci. 2024;12(6):433-438. doi: 10.11648/j.ijefm.20241206.17

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@article{10.11648/j.ijefm.20241206.17,
  author = {Eka Sutisna and Raihan R and Edi Suhara and Rabia Rahmania},
  title = {Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)
},
  journal = {International Journal of Economics, Finance and Management Sciences},
  volume = {12},
  number = {6},
  pages = {433-438},
  doi = {10.11648/j.ijefm.20241206.17},
  url = {https://doi.org/10.11648/j.ijefm.20241206.17},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijefm.20241206.17},
  abstract = {Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the CAMEL Method (Study at PT. Bank Rakyat Indonesia (Persero), Tbk). This study aims to determine whether PT. Bank Rakyat Indonesia (Persero), Tbk experiences differences in financial health as measured by CAMEL (Capital, Assets, Earnings and Liquidity) between during and after the COVID-19 pandemic. The method used in this analysis is the Descriptive Method with a Quantitative Approach. The data used are the Financial Reports of PT. Bank Rakyat Indonesia (Persero), Tbk for the period 2020 - 2023. and the data analysis technique uses the CAMEL Method. The results of the study show that CAMEL PT. Bank Rakyat Indonesia (Persero), Tbk During and After the COVID-19 Pandemic is declared healthy. Average CAR BRI During COVID-19 23.60% and CAR BRI After COVID-19 23.60%, Average KAP During COVID-19 1.76% and After COVID-19 1.96%, Average NPM During COVID-19 72.45% and After COVID-19 78.64%, Average ROA During COVID-19 2.82% and After COVID-19 3.93% and Average LDR During COVID-19 82.76% and After COVID-19 84.73%. Bank BRI was able to face the economic crisis during COVID-19 and was consistently able to maintain its financial performance well.
},
 year = {2024}
}

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TY - JOUR
T1 - Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)

AU - Eka Sutisna
AU - Raihan R
AU - Edi Suhara
AU - Rabia Rahmania
Y1 - 2024/12/07
PY - 2024
N1 - https://doi.org/10.11648/j.ijefm.20241206.17
DO - 10.11648/j.ijefm.20241206.17
T2 - International Journal of Economics, Finance and Management Sciences
JF - International Journal of Economics, Finance and Management Sciences
JO - International Journal of Economics, Finance and Management Sciences
SP - 433
EP - 438
PB - Science Publishing Group
SN - 2326-9561
UR - https://doi.org/10.11648/j.ijefm.20241206.17
AB - Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the CAMEL Method (Study at PT. Bank Rakyat Indonesia (Persero), Tbk). This study aims to determine whether PT. Bank Rakyat Indonesia (Persero), Tbk experiences differences in financial health as measured by CAMEL (Capital, Assets, Earnings and Liquidity) between during and after the COVID-19 pandemic. The method used in this analysis is the Descriptive Method with a Quantitative Approach. The data used are the Financial Reports of PT. Bank Rakyat Indonesia (Persero), Tbk for the period 2020 - 2023. and the data analysis technique uses the CAMEL Method. The results of the study show that CAMEL PT. Bank Rakyat Indonesia (Persero), Tbk During and After the COVID-19 Pandemic is declared healthy. Average CAR BRI During COVID-19 23.60% and CAR BRI After COVID-19 23.60%, Average KAP During COVID-19 1.76% and After COVID-19 1.96%, Average NPM During COVID-19 72.45% and After COVID-19 78.64%, Average ROA During COVID-19 2.82% and After COVID-19 3.93% and Average LDR During COVID-19 82.76% and After COVID-19 84.73%. Bank BRI was able to face the economic crisis during COVID-19 and was consistently able to maintain its financial performance well.

VL - 12
IS - 6
ER -

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Author Information

Eka Sutisna

Faculty of Economics, Islamic University of Jakarta, East Jakarta City, Indonesia

Contact Email

http://orcid.org/0009-0009-4692-5395
Raihan R

Faculty of Economics, Islamic University of Jakarta, East Jakarta City, Indonesia

Contact Email

http://orcid.org/0009-0009-7974-0127
Edi Suhara

Faculty of Economics, Islamic University of Jakarta, East Jakarta City, Indonesia

Contact Email

http://orcid.org/0009-0002-1930-1631
Rabia Rahmania

Faculty of Economics, Islamic University of Jakarta, East Jakarta City, Indonesia

Contact Email

http://orcid.org/0009-0003-0809-5200

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APA Style

Sutisna, E., R, R., Suhara, E., Rahmania, R. (2024). Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023). International Journal of Economics, Finance and Management Sciences, 12(6), 433-438. https://doi.org/10.11648/j.ijefm.20241206.17

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ACS Style

Sutisna, E.; R, R.; Suhara, E.; Rahmania, R. Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023). Int. J. Econ. Finance Manag. Sci. 2024, 12(6), 433-438. doi: 10.11648/j.ijefm.20241206.17

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AMA Style

Sutisna E, R R, Suhara E, Rahmania R. Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023). Int J Econ Finance Manag Sci. 2024;12(6):433-438. doi: 10.11648/j.ijefm.20241206.17

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@article{10.11648/j.ijefm.20241206.17,
  author = {Eka Sutisna and Raihan R and Edi Suhara and Rabia Rahmania},
  title = {Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)
},
  journal = {International Journal of Economics, Finance and Management Sciences},
  volume = {12},
  number = {6},
  pages = {433-438},
  doi = {10.11648/j.ijefm.20241206.17},
  url = {https://doi.org/10.11648/j.ijefm.20241206.17},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijefm.20241206.17},
  abstract = {Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the CAMEL Method (Study at PT. Bank Rakyat Indonesia (Persero), Tbk). This study aims to determine whether PT. Bank Rakyat Indonesia (Persero), Tbk experiences differences in financial health as measured by CAMEL (Capital, Assets, Earnings and Liquidity) between during and after the COVID-19 pandemic. The method used in this analysis is the Descriptive Method with a Quantitative Approach. The data used are the Financial Reports of PT. Bank Rakyat Indonesia (Persero), Tbk for the period 2020 - 2023. and the data analysis technique uses the CAMEL Method. The results of the study show that CAMEL PT. Bank Rakyat Indonesia (Persero), Tbk During and After the COVID-19 Pandemic is declared healthy. Average CAR BRI During COVID-19 23.60% and CAR BRI After COVID-19 23.60%, Average KAP During COVID-19 1.76% and After COVID-19 1.96%, Average NPM During COVID-19 72.45% and After COVID-19 78.64%, Average ROA During COVID-19 2.82% and After COVID-19 3.93% and Average LDR During COVID-19 82.76% and After COVID-19 84.73%. Bank BRI was able to face the economic crisis during COVID-19 and was consistently able to maintain its financial performance well.
},
 year = {2024}
}

Copy | Download

TY - JOUR
T1 - Analysis of Bank Financial Health During and After the COVID-19 Pandemic Using the Camel Method (Study at PT. Bank Rakyat Indonesia (Persero), tbk 2020-2023)

VL - 12
IS - 6
ER -

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