Date: 06-12-2019 Digital Publication Services : OSREL | JABM | JAM | ABMR | ABMCS

ANALISA CAMEL DALAM MENILAI TINGKAT KESEHATAN BPR PERIODE 2013-2014 STUDI KASUS PADA MITRA HARMONI MALANG

Detail
Author Indra Febrian Setiawan
Category Manajemen Perbankan

Abstract

This study aims to determine the level of health of BPR Mitra Harmony using CAMEL method over the period 2012-2014 are included in the category of healthy, quite healthy, less.CAMEL has five aspects, namely capital using the ratio of CAR ( Capital Adequacy Ratio) , aspects of asset quality using the ratio KAP ( Assets Quality ) and PPAP (Allowance for Earning Assets ) , management uses calculations general management and risk management , aspects of profitability using ROA ( Return On Assets) and ROA ( Operating Expenses to Operating Income ) , and use the liquidity aspect ratio of Cash Ratio and LDR ( Loan to DepositRatio ) .This research is quantitative . The analytical tool used in this research is by using the CAMEL based on the Decree of Directors of Bank Indonesia Number 30/12 / KEP / DIR dated 30 April 1997 concerning Procedures for Evaluation of Health RB . As a benchmark for determining the soundness of a bank after conducting an assessment of each variable , ie by determining the results of the study were classified into health predicate BPR . The type of data used is primary data obtained through interviews and secondary data, the financial statements of the balance sheet and income statement RB Partners Harmony years 2012-2014 .Based on the results of the research that has been done on BPR Harmony Partners stated that the level of health BPR Hasa Partners period of 2012 to 2014 received the title HEALTHY because CAMEL credit score of more than 81 ( the minimum limit of healthy ) is 99.71 in 2012 , 98.2 in in 2013 , 98.2 in 2014