Bank Health Analysis of BPRS Dinar Ashri Using CAMEL Method (2021–2024)

Authors

  • Credo Prasetyoadi Pangestu Universitas Islam Negeri Sunan Ampel Surabaya
  • Muhammad Iqbal Surya Pratikto Universitas Islam Negeri Sunan Ampel Surabaya

DOI:

https://doi.org/10.21274/an.v12i2.10848

Keywords:

Islamic Bank, Bank Health Level, CAMEL Method, BPRS Dinar Ashri, Financial Ratios

Abstract

This study aims to analyze the health level of PT Bank Perekonomian Rakyat Syariah (BPRS) Dinar Ashri, located in West Nusa Tenggara, using the CAMEL method (Capital, Asset, Management, Earning, and Liquidity). Assessing the health of a bank is crucial to determine its ability to operate optimally and fulfill its obligations to customers in accordance with applicable regulations. The data used in this study are secondary data obtained from the financial reports of BPRS Dinar Ashri from 2021 to 2024, accessed through the official website of the bank. The analytical method employed is quantitative descriptive, using financial ratio measurements that reflect each CAMEL aspect. The results show that BPRS Dinar Ashri is in a very healthy condition in terms of Capital, Asset, and Earning, with a steadily increasing CAR, a stable NPF within healthy limits, and ROA and BOPO ratios that indicate good operational efficiency. In the aspects of Management and Liquidity, the bank also demonstrates effective management and adequate liquidity capability. Therefore, overall, BPRS Dinar Ashri exhibits a healthy and stable financial performance and is able to maintain prudential principles in its operations.

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Published

2025-10-01

How to Cite

Pangestu, C. P., & Pratikto, M. I. S. (2025). Bank Health Analysis of BPRS Dinar Ashri Using CAMEL Method (2021–2024). An-Nisbah: Jurnal Ekonomi Syariah, 12(2), 173–185. https://doi.org/10.21274/an.v12i2.10848

Issue

Vol. 12 No. 2 (2025): An-Nisbah (Oktober)

Section

Articles

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Copyright (c) 2025 Credo Prasetyoadi Pangestu, Muhammad Iqbal Surya Pratikto

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