Open AccessA Analysis of Islamic Banks in Indonesia and Malaysia Using CAMEL
Author(s) -
Pipin Lestari
Publication year - 2020
Publication title -
kompak
Language(s) - English
Resource type - Journals
eISSN - 2621-6248
pISSN - 1979-116X
DOI - 10.51903/kompak.v13i1.164
Subject(s) - asset quality , lagging , capital adequacy ratio , indonesian , market liquidity , islam , business , accounting , sharia , population , financial system , economics , statistics , mathematics , geography , finance , demography , profit (economics) , linguistics , philosophy , archaeology , sociology , microeconomics
Indonesia is a country with the largest Muslim population in ASEAN, but in Islamic banking Indonesia is still lagging behind Malaysia. This study compares the financial performance of Islamic banking in both countries with the CAMEL method. There are five aspects to the CAMEL approach, namely Capital Adequacy (CAR), Asset Quality (NPF), Management Quality (NPM), Earnings (ROA, BOPO), and Liquidity (FDR). The analytical tool used is a different t-test to find out whether there is a difference or not between the financial performance of Indonesian and Malaysian sharia. From the results of data analysis with the Independent t-test three variables namely (NPF, NPM, BOPO) showed significant differences, while the variables (CAR, ROA, and FDR) there were no significant differences between Indonesian and Malaysian banks.