Bank Syariah Indonesia Health Status During Cyber Attack Using CAMEL

Kondisi Kesehatan Bank Syariah Indonesia Selama Serangan Siber Menggunakan CAMEL

Authors

  • Rizki Intan Juliana Program Studi Akuntansi, Universitas Muhammadiyah Sidoarjo
  • Nurasik Program Studi Akuntansi, Universitas Muhammadiyah Sidoarjo

DOI:

https://doi.org/10.21070/ijis.v13i4.1786

Keywords:

BSI, CAMEL, Sharia Bank Health, Cyber Attack, Financial Resilience

Abstract

General Background: Bank Syariah Indonesia (BSI), formed from the merger of Bank BRI Syariah, Bank Syariah Mandiri, and Bank BNI Syariah, plays a strategic role in the Indonesian sharia banking sector. Specific Background: Recently, BSI experienced a cyber attack causing financial losses and reputational challenges over an unpredictable period. Knowledge Gap: Limited research exists examining the resilience and health level of sharia banks during cyber disruptions using structured financial assessment methods. Aim: This study analyzes BSI’s health level before and during a cyber attack using the CAMEL method. Methods: A comparative descriptive approach with quantitative analysis was employed, using secondary monthly financial reports from April and May 2023, followed by descriptive statistics, normality tests, and paired sample t-tests. Results: The findings indicate no significant difference in BSI’s health level before and during the cyber attack. Novelty: This study provides empirical evidence on the stability of sharia bank health metrics during cyber threats. Implications: The results inform bank management and regulators about the resilience of financial and operational health indicators under cyber risk conditions.

Highlights:

  • Comparative analysis of BSI health before and during a cyber attack.

  • No significant change detected using CAMEL metrics.

  • Provides evidence on sharia bank resilience during cyber disruptions.

Keywords: BSI, CAMEL, Sharia Bank Health, Cyber Attack, Financial Resilience

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Published

2025-09-25

Issue

Vol. 13 No. 4 (2025): November

Section

Islamic Education

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Copyright (c) 2025 Rizki Intan Juliana, Nurasik

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