THE HEALTH LEVEL OF ISLAMIC COMMERCIAL BANKS IN INDONESIA: THE CAMEL APPROACH ANALYSIS

The current condition of Indonesia's Islamic economy is starting to attract public attention. One way to maintain public attention to Islamic economics is that the State pays attention to bank health, because banks play a very important role for the State such as Islamic Banks and UUS are required to maintain a level of health which includes capital adequacy, asset quality, liquidity, profitability, solvency, management quality. This study aims to determine the health level of Bank Muamalat, BCA Syariah and Bank Panin Dubai Syariah. This research uses quantitative descriptive research methods using the CAMEL approach and using Excel as a tool. The population of this study is all Islamic Commercial Banks in Indonesia then taken sempel using simple random sampling technique so that the sempel in this study is Bank Muamalat, BCA Syariah and Bank Panin Dubai Syariah. The results of this study are that it can be seen that the health level of Muamalat Bank in 2018 and 2019 is at a healthy bank level while in the last 3 years Bank Muamalat is at an unhealthy bank level. In contrast to BCA Syariah during 2018-2022 the CAMEL value obtained by BCA Syariah was at a healthy level while the health level of Bank Panin Dubai Syariah in 2020 was at a fairly healthy bank level, apart from 2020 the health level of Bank Panin Dubai Syariah was at a healthy bank level.