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Paula Chrisna Istria, Paula Chrisna
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Economics, Econometrics & Finance

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Detektor Financial Distress Perusahaan Perbankan Indonesia Ismawati, Kun; Istria, Paula Chrisna
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 4, No 1 (2015): JBK Vol.4 No.1 Januari 2015
Publisher : Jurnal Ekonomi Bisnis dan Kewirausahaan

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Abstract

This research aims to determine the effect of the CAMEL ratio in detecting financial distress in banking companies in Indonesia. The CAMEL ratio consists of CAR (Capital Adequacy Ratio), ROE (Return On Equity), ROA (Return On Assets), NPL (Non Performing Loan), LDR (Loan To Deposit Ratio), and BOPO (operational expense to operational income). Purposive sampling method used in this research. The number of samples obtained were 31 banking companies, divided in two categories: 25 banks with “no problem”and 6 banks “in trouble”. Research samples in the form of secondary data, which listed in the Indonesia Stock Exchange during the period 2010-2013. The statistical method used to test the hypothesis of the research is logistic regression. Results of the analysis indicate that CAR and BOPO variables have positive but not significant effect; ROE variables have negative and not significant effect; ROA variables have negative and  not significant effect; NPL and LDR variables have positive and significantly effect the probability of financial distress in banking companies in Indonesia. Logistic regression estimation shows the ability to detect from six independent variables on the probability of financial distress in the banking company by 80,4%, while the remainder explained by other variables outside the model. Keywords: CAMEL ratio, financial distress, logistic regresion.
DETEKTOR FINANCIAL DISTRESS PERUSAHAAN PERBANKAN INDONESIA Istria, Paula Chrisna; Ismawati, Kun
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 4, No 1 (2015): JBK Vol.4 No.1 Januari 2015
Publisher : Jurnal Ekonomi Bisnis dan Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (6.026 KB)

Abstract

This research aims to determine the effect of the CAMEL ratio in detecting financial distress in banking companies in Indonesia. The CAMEL ratio consists of CAR (Capital Adequacy Ratio), ROE (Return On Equity), ROA (Return On Assets), NPL (Non Performing  Loan),  LDR  (Loan  To  Deposit  Ratio),  and  BOPO  (operational  expense  to operational  income).  Purposive  sampling  method  used  in  this  research.  The  number  of samples obtained were 31 banking companies, divided in two categories: 25 banks with“no problem”and 6 banks “in trouble”. Research samples in the form of secondary data, which listed in the Indonesia Stock Exchange during the period 2010-2013. The statistical method used to test the hypothesis of the research is logistic regression. Results of the analysis indicate that CAR and BOPO variables have positive but not significant effect; ROE variables have negative and not significant effect; ROA variables have negative and not significant effect; NPL and LDR variables have positive and significantly effect the probability of financial distress in banking companies in Indonesia. Logistic regression estimation shows the ability to detect from six independent variables on the probability of financial distress in the banking company by 80,4%,  while the remainder explained by other variables outside the model.
Co-Authors Kun Ismawati