ANALISIS CAMEL SEBAGAI ALAT UNTUK MENGUKUR TINGKAT KESEHATAN BANK. (Studi kasus pada Bank Syariah Mandiri)

Titin Wahyuningsih

Abstract


This research is descriptive research on Bank Syariah Mandiri entitled “Analysis of CAMEL as Tool to Measure Bank Health Level”. An objective of this research is to observe and detect category of health level of Bank Syariah Mandiri on 2001, 2002, and 2003 by applying CAMEL analysis. Whereas analysis tool used in CAMEL, that is: Capital Adequacy Ratio (CAR), productive asset ratio classified for productive asset, productive Asset Abolition Elimination Ratio (PPAP) that bank form for PPAP that bank shape, Return on Asset (ROA), Net Profit Margin (NPM), Operational Cost Ration for operational Income (BOPO), Credit Ratio given for Fund that bank receive (LDR).
Test result shows that Bank Syariah Mandiri has enough health criteria from 2001 through 2003, although credit value achieved declines. Bank only able to achieve maximum credit value for capital aspect, produktive asset aspect from Productive asset Abolition Elimination (PPAP) and for its liquidity aspect. Whereas, for productive aspect asset classified, management, and earning have not able to achieve maximum credit value.

 

Keyword : analisis camel; tingkat kesehatan bank

 

Link Terkait : http://skripsi.umm.ac.id/files/disk1/24/jiptummpp-gdl-s1-2004-titinwahyu-1200-pendahul-n.PDF


Keywords


analisis camel; tingkat kesehatan bank