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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam Al-bank: Journal of Islamic Banking and Finance
Siti Ummi Munawaroh
IAIN Kudus
Economics, Econometrics & Finance

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Analisis Rasio CAMEL (Capital, Asset, Management, Earnings, Equity dan Liquidity) pada Tingkat Kesehatan Bank (Studi Kasus BRI Syariah Periode 2018-2019) Widi Savitri Andriasari; Siti Ummi Munawaroh
BISNIS Vol 8, No 2 (2020): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v8i2.8795

Abstract

This study aims to determine the results of the CAMEL ratio analysis (Capital, Asset Quality, Management, Earnings and Liquidity) at the soundness level of a Sharia BRI Bank for the period 2018-2019. The soundness level of a bank is an assessment conducted by the OJK for each bank to determine whether the bank is in good health or not. Regulations regarding the assessment of the level of health at commercial banks are contained in Bank Indonesia Regulation Number 13/1/PBI/2011 and Financial Services Authority Regulation Number 8/POJK.03/2014 and Financial Services Authority Regulation Number 4/POJK.03/2016. This type of research is a descriptive study with a quantitative approach. Descriptive research method is the method used to describe the research results by analyzing data from financial statement sources. While the quantitative research method is a study that uses data in the form of numbers as a means of analyzing and calculating. For this reason, the source of data needed in this study is secondary data which is the financial statements of a Sharia BRI Bank for the period 2018-2019. Through the data source in the form of financial reports can find out the soundness level of BRI Syariah Bank in 2018-2019 by calculating and analyzing the CAMEL ratio.
Manajemen Risiko Pada Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Lutfi Alif Tiyani; Diah Febriyanti; Siti Ummi Munawaroh; Ulin Ni’mah
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1238.095 KB) | DOI: 10.31958/ab.v1i2.2660

Abstract

This study aims to identify and analyze risk management in banking, namely risk, operational risk, market risk, liquidity risk, legal risk, compliance risk, yield risk and investment risk. And to analyze the financial ratio reports for the first quarter and second quarter of 2020 at the West Java and Banten (BJB) Tbk development bank. This research uses descriptive quantitative method at PT. West Java and Banten Regional Development Bank Tbk (BJB) Tbk which are listed on the Indonesia Stock Exchange during the period 2018 to 2020. The sample in this study is PT. West Java Regional Development Bank and Banten Tbk (BJB) which are registered on the IDX and are still operating in the 2018-2020 period. Data collection tools in  this study are to use the method of observation on financial data at the bank and internet  research. The results of this study indicate the existence of smooth and bad conditions in management analysis and financial ratio analysis at BJB banks which consist of analysis of CAR, non-performing assets, CKPN, gross NPF, NPF Net, ROA, ROE, NI, NOM, BOPO, and FDR. The results of the overall calculation at PT. West Java Regional Development Bank and Banten Tbk, in the 2018-2020 period experienced an increase and decrease every year.
Co-Authors Diah Febriyanti Lutfi Alif Tiyani Ulin Ni’mah Widi Savitri Andriasari