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Journal : JDM (Jurnal Dinamika Manajemen)

ANALISIS KINERJA DENGAN MENGGUNAKAN PENDEKATAN RASIO CAMEL Murdiati, Sri; Purwanto, Medi Tri
Jurnal Dinamika Manajemen Vol 5, No 1 (2014): March 2014 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Semarang State University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v5i1.3648

Abstract

Tujuan penelitian ini adalah untuk menganalisis tingkat kesehatan bank dilihat dari kategori CAMEL. Metode penelitian yang digunakan adalah studi kasus di PD BPR BKK Banjarharjo.Dalam menguji hipotesis digunakan alat analisis CAMEL. Hasil penelitian ini yaitu modal pada 2008 sampai 2010 termasuk dalam kriteria sehat. ROA meningkat 2008 sampai 2010 dengan kriteria sehat bagi biaya operasional yang dikeluarkan oleh pendapatan operasional yang seimbang. Rasio Kas tahun 2008 sampai 2010 termasuk dalam kriteria sehat berarti bank memiliki kemampuan untuk mengelola asset yang digunakan untuk membayar kewajiban. LDR mengalami tren yang signifikan selama tahun 2008 sampai 2010 sehingga dana yang diterima bank untuk meningkatkan baik tabungan, deposito berjangka, modal inti, yang berarti kemampuan bank untuk meningkatkan penyaluran kredit, IRR menunjukan nilai positif dalam menghadapi resiko pasar.Pengembangan tingkat kesehatan pada tahun 2008 sampai 2010 untuk komponen Capital, Assets, Laba dan Likuiditas meningkat. The goal of this research is to analyze the healtiness of banks seen from CAMEL category. The research applied a case study in PD BPR BKK Banjarharjo. The hypotheses tested using CAMEL analysis tools. The result of the study is that the modal used 2008 until 2010 is consideredin a healthy criteria. The increasing ROA in 2008 until 2010 is considered healthy criteria for operational expenses incurred by the operating income. Such condition meant that the banks are able to manage the assets which are used to pay the obligations. The significant increasing of LDR over the years 2008 until 2010 makes the received funds by the bank to increase the savings deposits, time deposits and the core capital. As the recunts, the banks are able to increase credit disstribution. More over, the IRR showed a positive values in the face of market risks and the development of healthy levels in 2008 until 2010 for the components of Capital, Assets, Earnings and Liquidity tends to increase.
Analisis Kinerja dengan Menggunakan Pendekatan Rasio Camel Murdiati, Sri; Purwanto, Medi Tri
JDM (Jurnal Dinamika Manajemen) Vol 5, No 1 (2014): March 2014 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v5i1.3648

Abstract

The goal of this research is to analyze the healtiness of banks seen from CAMEL category. The research applied a case study in PD BPR BKK Banjarharjo. The hypotheses tested using CAMEL analysis tools. The result of the study is that the modal used 2008 until 2010 is consideredin a healthy criteria. The increasing ROA in 2008 until 2010 is considered healthy criteria for operational expenses incurred by the operating income. Such condition meant that the banks are able to manage the assets which are used to pay the obligations. The significant increasing of LDR over the years 2008 until 2010 makes the received funds by the bank to increase the savings deposits, time deposits and the core capital. As the recunts, the banks are able to increase credit disstribution. More over, the IRR showed a positive values in the face of market risks and the development of healthy levels in 2008 until 2010 for the components of Capital, Assets, Earnings and Liquidity tends to increase.