ANALISIS RASIO METODE CAMEL (NON MANAGEMENT) UNTUK MENGUKUR KINERJA KEUANGAN PERBANKAN KONVENSIONAL (Periode 2009-2013)

Setyowati, Yulis and Fatihudin , Didin and Wasian, Ezif F. (2016) ANALISIS RASIO METODE CAMEL (NON MANAGEMENT) UNTUK MENGUKUR KINERJA KEUANGAN PERBANKAN KONVENSIONAL (Periode 2009-2013). Balance Economics, Bussiness, Management and Accounting Journal , XIII (1). pp. 113-121. ISSN 1693-9352

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Abstract

ABSTRACT This research aims to measure the financial performances and find out the health level of PT. Bank X,Tbk using CAMEL method (non-management) during the period of 2009-2013, whether it is included in the category of healthy, quite healthy, less healthy or unhealthy. Camel method consists of Capital, Assets, Management, Earnings, and Liquidity. At the elements of Camel comprise several ratios which are used for the assessment of the health of the banks, namely, CAR (Capital Adequacy Ratio), KAP (Assets Quality), PPAP (Allowance for Earning Assets) ROA (Return on Assets), BOPO (Operating Expenses to Operating Income ), CR (Current Ratio), LDR (Loan to Deposit Ratio), NCM (net call money). This research is descriptive quantitative. The instrument analysis used in this research the ratio of CAMEL method (non-management) based on the Decree of Directors of Indonesian Bank Number 30/12 / KEP / DIR on 30th April 1997 regarding the Assessment Procedures of health level of PT. Bank X,Tbk during the period of 2009 to 2013. The maximum and minimum limits in the regulations prescribed by Bank Indonesia used to measure the financial performance and health levels of PT. Bank X,Tbk. Based on research conducted at PT. Bank X,Tbk during period of 2009 to 2013 found that the financial performance and health level of PT. State Savings Bank,Tbk are in “healthy” categories. This is because the ratio calculation results obtained by PT. State Bank X,Tbk are in accordance with the terms and conditions made by Bank Indonesia. Keywords : Camel Method, Capital, Assets, Management, Earnings, Liquidity, Financial Performances, CAR, KAP, PPAP, ROA, BOPO, CR, LDR, NCM

Item Type:	Article
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	Jurnal > Fakultas Ekonomi dan Bisnis
Depositing User:	DIDIN FATIHUDIN FATIHUDIN
Date Deposited:	04 Jan 2021 12:29
Last Modified:	04 Jan 2021 12:29
URI:	http://repository.um-surabaya.ac.id/id/eprint/4906

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