scholarly journals Perilaku Deposan Perbankan Syarian di Indonesia: Analisis Terhadap Displaced Commercial Risk dan Market Discipline

2020 ◽  
Vol 4 (2) ◽  
pp. 212
Author(s):  
Ahmad Fatoni
Keyword(s):  
Quality Management ◽  
Banking System ◽  
Market Discipline ◽  
Capital Asset ◽  
Distributed Lag ◽  
Asset Quality

Displaced Commercial Risk (DCR) merupakan risiko yang dihadapi oleh bank syariah sebagai konsekuensi diterapkanya dual banking system di Indonesia. Bank syariah dituntut untuk memberikan imbal hasil yang kompetitif untuk mempertahankan deposan. Kondisi kesehatan bank yang meliputi Capital, Asset quality, Management, Earning, dan Liquidity (CAMEL) juga menjadi indikator kekuatan Market Disicipline bagi pertumbuhan deposito bank syariah. Penelitian ini bertujuan untuk menganalisis keberadaan DCR dan Market Discipline pada bank umum syariah di Indonesia periode Oktober 2014 hingga Desember 2018. Hasil penelitian dengan menggunakan metode Auto Regresive Distributed Lag (ARDL) menunjukkan keberadaan DCR pada bank umum syariah. Namun demikian hasil lainya menunjukkan lemahnya Market Discipline, dimana deposan hanya melihat kondisi likuiditas dan kualitas aset sebagai indikator dalam menempatan dananya.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK PEMBANGUNAN DAERAH SUMATERA SELATAN DAN BANGKA BELITUNG MENGGUNAKAN METODE CAMEL

1970 ◽  
Vol 4 (1) ◽  
pp. 15-30
Author(s):  
Gonan Sumadi
Keyword(s):  
Quality Management ◽  
Capital Asset ◽  
Asset Quality

Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung. Sampel dalam penelitian ini adalah laporan keuangan Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung periode tahun 2012 – 2017. Teknik analisis yang digunakan adalah metode CAMEL yang meliputi Capital, Asset Quality, Management, Earning, dan Liquidity. Hasil penelitian ini menunjukkan bahwa rasio CAMEL untuk BPD Sumatera Selatan dan Bangka Belitung selama periode tahun 2012 – 2017 dalam kategori “SEHAT”, kecuali untuk tahun 2015 nilai LDR Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung sebesar 95,43% dalam kategori “CUKUP SEHAT”. Tingkat kesehatan BPD Sumatera Selatan dan Bangka Belitung selama periode tahun 2012 – 2017 semua dalam kategori “SEHAT”. Diharapkan pihak manajemen  BPD Sumatera Selatan dan Bangka Belitung mempertahankan kinerja keuangannya selama ini dengan terus meningkatkan profesionalitas sumber daya manusia pengelolanya, agar dapat menjaga kepercayaan masyarakat terhadap industri perbankan. Mengingat nilai  LDR tahun 2015 termasuk kategori “CUKUP SEHAT”, maka indikator ini perlu ditingkatkan lagi agar semua indikator pada kinerja keuangan khususnya yang berkaitan dengan tingkat kesehatan bank tetap terjaga dengan baik.   Kata Kunci: Tingkat Kesehatan Perbankan, Capital, Asset Quality, Management, Earning, dan Liquidity

scholarly journals Analisis Laporan Keuangan Pada PT. Bank BNI (Persero) Tbk

2021 ◽  
Vol 13 (2) ◽  
pp. 101-110
Author(s):  
Andi Setiawan
Keyword(s):  
Quality Management ◽  
Financial Performance ◽  
Financial Institution ◽  
Health Assessment ◽  
Financial Health ◽  
Capital Asset ◽  
Asset Quality

A bank is a business entity or financial institution that greatly influences the economy of a country. The purpose of this research is to analyze the financial performance of PT. Bank BNI (Persero) Tbk in 2017-2019 using the CAMEL method. Financial health assessment of PT. Bank BNI (Persero) Tbk is carried out by assessing the aspects of Capital (Capital), Asset Quality, Management (Management), Earning (Rentability), Liquidity (liquidity) which is referred to as CAMEL. The results of the assessment show that the level of financial health of PT. Bank BNI (Persero) Tbk for 3 years for the period 2017-2019 was included in the healthy category with a CAMEL value of 90.2 in 2017, 90.4 in 2018 and 89.7 in 2019.  

scholarly journals ANALISIS TINGKAT KESEHATAN PT. BPR WELERI MAKMUR DENGAN METODE CAMEL PADA PERIODE 2015-2018

KEUNIS ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 50
Author(s):  
Nabila Saskia Noer Rizky ◽  
Winarni Winarni
Keyword(s):  
Risk Management ◽  
Quality Management ◽  
Capital Asset ◽  
Credit Score ◽  
General Management ◽  
Health Level ◽  
Asset Quality

<p><em>This study aims to assess and analyze the health level of PT. BPR Weleri Makmur if calculated using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method in the 2015-2018 period based on Bank Indonesia Director's Decree No. 30/12 / KEP / DIR dated April 30, 1997. The component assessed is Capital (Capital) using CAR ratios, Asset Quality by using KAP ratios and PPAP ratios, Management using Management calculations using general management and risk management, earnings (earning) using the ROA ratio and the BOPO ratio, and Liquidity (Liquidity) using the Cash Ratio and LDR ratio.</em></p><p><em>The results of the analysis and discussion showed that in the 2015-2018 period as a whole, the health level of PT. BPR Weleri Makmur is categorized in the healthy category, and the health level progress based on overall credit score at PT. BPR Weleri Makmur in the 2015-2016 period decreased.</em></p>

scholarly journals CAMEL Ratio: An Approach To Measuring The Health Of Financial Institutions

2019 ◽  
Vol 9 (1) ◽  
pp. 55
Author(s):  
Dina Amaluis ◽  
Hayu Yolanda Utami
Keyword(s):  
Quality Management ◽  
Central Bank ◽  
Financial Institutions ◽  
Financial Institution ◽  
Capital Asset ◽  
Bank Efficiency ◽  
Health Level ◽  
Asset Quality

This research aims at finding out the differences of health level of Financial Institution by using CAMEL. The magnitude of the potential financial institutions make profits in the segment of small and micro finance as a market for rural banks (BPR), especially Islamic rural banks (BPRS).. The level of Bank efficiency could be integrated with the performance of banks which was adopted from Central Bank (BI) criterias, namely CAMEL (Capital, Asset Quality, Management, Earnings and liquidity).

scholarly journals ANALISIS TINGKAT KESEHATAN PT. BANK BRISYARIAH PERIODE 2011-2014 DENGAN MENGGUNAKAN METODE CAMEL

2017 ◽  
Vol 7 (2) ◽  
pp. 55
Author(s):  
Ari Kristin Prasetyoningrum ◽  
Noor Ahmad Toyyib
Keyword(s):  
Quality Management ◽  
Annual Report ◽  
Rapid Development ◽  
Descriptive Analysis ◽  
Public Confidence ◽  
Capital Asset ◽  
Quantitative Descriptive Analysis ◽  
Financial Report ◽  
Quantitative Descriptive ◽  
Asset Quality

<p><em>The rapid development of banking as well as high levels of complexity influence the performance and increase the risk of a bank. Therefore, it is important for banks to maintain the trust because of activities related to public confidence. This study aims to determine the health level of PT. Bank BRISyariah in 2011-2014 by using CAMEL.</em></p><p><em>This research used quantitative descriptive analysis aims to analyze the soundness of PT. Bank BRISyariah in 2011-2014 using the CAMEL factors include capital, asset quality, management, earnings and liquidity. Data used in this study a BRISyariah Annual Report 2011 to 2014 taken from www.brisyariah.co.id. and Quarterly Financial Report Bank BRISyariah published by Bank Indonesia was taken from </em><a href="http://www.bi.go.id/"><em>www.bi.go.id</em></a><em>.</em></p><p><em>Based on the analysis of the Bank’s soundness BRISyariah using CAMEL ratio in 2011-2014 can be said that in general PT. Bank BRISyariah in conditions HEALTHY, the the first rank in the CAR, PPAP, ROA, NPM, and CR; The second rank in the KAP; BOPO ranked third; and LDR in the fourth.</em></p>

scholarly journals Analisis Tingkat Kesehatan Bank Dinilai Menggunakan Rasio CAMEL dan Rasio RGEC pada PT. BRI Srikaton)

2021 ◽  
Vol 16 (1) ◽  
pp. 54-67
Author(s):  
Subianto ◽  
Miki Indika ◽  
Muhammad Rezeki
Keyword(s):  
Corporate Governance ◽  
Quality Management ◽  
Risk Profile ◽  
Capital Asset ◽  
Management Quality ◽  
Good Corporate Governance ◽  
Health Level ◽  
Collection Data ◽  
Asset Quality ◽  
Descriptive Method

The aim of this study is to see the health level of BRI (Bank Rakyat Indonesia) of 2018 and 2019 by CAMEL and RGEC ratio. This study is quantitative study. Collection data technique of this study are interview and documentation while analyzing data technique is through descriptive method where CAMEL is consisted of capital, asset quality, management quality, feasibility and liquidity factor while RGEC is consisted of risk profile, good corporate governance, and earning factor. Based on the result of this study, CAMEL of 2018 and 2019 are 99,41 and 99,23 categorized as “health”. RGEC of 2018 and 2019 are 96,67 percent categorized as “health”.   Keywords: Health level, CAMEL, RGEC

scholarly journals Analisis Kesehatan Laporan Keuangan pada PT Bank Muamalat Indonesia Tbk dengan Menggunakan Metode Camel Tahun 2015–2019

2021 ◽  
Vol 5 (2) ◽  
pp. 75-85
Author(s):  
Muhammad Iqbal Surya Pratikto ◽  
Clarissa Belinda Fabrela ◽  
Maziyah Mazza Basya
Keyword(s):  
Quality Management ◽  
Capital Asset ◽  
Asset Quality

The purpose of this study is to determine the level of health at PT Bank Muamalat Indonesia Tbk using the CAMEL method (Capital, Asset Quality, Management, Earning, and Liquidity) for the 2015-2019 period. The results of research on the health of PT Bank Muamalat Indonesia Tbk in 2015-2019 show that the ratio of CAR, NPF, and NI is considered good, while the ratio of PDN and FDR is considered quite good. However, the ROA, ROE, and BOPO ratios are considered less good because all the results of the ratios are included in the unhealthy category.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DITINJAU DARI CAMEL (CAPITAL, ASSET QUALITY, MANAGEMENT, EARNING, AND LIQUIDITY) UNTUK MENGUKUR KEBERHASILAN MANAJEMEN PADA PT BPRS MARGIRIZKI , BANGUNTAPAN, BANTUL, YOGYAKARTA (STUDI KASUS PADA PT BPRS MARGI RIZKI BAHAGIA)

2008 ◽  
Vol 6 (2) ◽  
Author(s):  
Moh. Sochih
Keyword(s):  
Quality Management ◽  
Capital Asset ◽  
Asset Quality

Tujuan penelitian ini adalah untuk (1) mengetahui tingkat kesehatan PT BPRSMargirizki Bahagia sejak tahun 1998 sampai dengan tahun 2000 dengan menggunakanCAMEL (Capital, Asset quality, Management, Earning and Liquidity), (2) mengukurkeberhasilan manajemen PT BPRS Margirizki Bahagia dalam mengelola perusahaan yangberkaitan dengan kelim faktor tersebut.Obyek penelitian ini adalah laporan keuangan selama tiga periode akuntansi, yaitutahun 1998 sampai dengan 2000 pada PT BPRS Magirizqi Bahagia. Cara penelitian dilakukandengan menganalisis laporan keuangan yang berupa neraca dan laporan laba-rugi, serta datalain yang diperlukan untuk menganalisis tingkat kesehatan bank. Analisis dilakukan denganmenggunakan CAMEL yaitu dengan menganalisis faktor-faktor permodalan, kualitas aktivaproduktif, manajemen, rentabilitas, dan likuiditas perusahaan. Hasil analisis tingkat kesehatanBPRS tersebut, kemudian dijadikan sebagai tolok ukur untuk menilai keberhasilan manajemendalam mengelola usahanya.Hasil analisis keseluruhan berdasarkan CAMEL dari tahun 1998 sampai dengan 2000,kondisi perusahaan PT BPRS Mardirizqi Bahagia sehat, yaitu dengan dengan total nilai kreditmasing-masing tahun 93, 91.42, dan 97,8. Total nilai kredit tersebut cukup meyakinkan karenaketetapan Bank Indonesia, BPRS dikatakan sehat , jika total nilai kredit 81 sampai dengan 100.Kondisi perusahaan yang sehat itu menunjukkan keberhasilan kinerja manajemen dalammengelola usaha.

scholarly journals Penilaian Kesehatan KJKS BMT Binamas

2019 ◽  
Vol 3 (2) ◽  
pp. 125-144
Author(s):  
Adi Angga Sukmana ◽  
Sri Mulyati
Keyword(s):  
Quality Management ◽  
Business Performance ◽  
Health Assessment ◽  
Financial Data ◽  
Microfinance Institutions ◽  
Capital Asset ◽  
Management Efficiency ◽  
Standard Assessment ◽  
Islamic Microfinance ◽  
Asset Quality

The analysis conducted will interpret ratios or financial data and its implications. Thisresearch is compiled to analyze health assessment KJKS BMT Binamas years 2012-2014 using a standard assessment of the Regulation of the Minister of State forCooperatives and SMEs RI Number: 35.3 / Per / M.KUKM / X / 2007 on guidelinesfor a health assessment KJKS and UJKS Cooperative. The results of this study will betaken into consideration in the evaluation and a policy for BMT KJKS Binamas toimprove their business performance so that stability is maintained and is expected toenhance public trust in this Islamic Microfinance Institutions. The approach used inthis study is a quantitative and descriptive variables used are capital; asset quality;management; efficiency; liquidity; independence and growth; the identity of thecooperative; and compliance with Islamic principles. Based on analysis of the healthassessment KJKS BMT Binamas can be seen that score recapitulation of eightvariables in 2012 amounted to 74.92% so that it can be categorized fairly sound, andin 2013 increased to 74.92% with the category Fairly Healthy, later in 2014 slightlydecreased to 75.95% are still in the category of Fit. Value ratios consistently ratedhigh happens because KJKS continue to maintain sound operational

scholarly journals Market Discipline in the Interbank Market: Evidence from an Emerging Country

2021 ◽  
Vol 18 ◽  
pp. 1028-1037
Author(s):  
Dung Viet Tran ◽  
Chi Huu Lu
Keyword(s):  
Financial Crisis ◽  
Commercial Banks ◽  
Global Financial Crisis ◽  
Banking System ◽  
Market Discipline ◽  
Interbank Market ◽  
Empirical Results ◽  
Emerging Country ◽  
The Global Financial Crisis ◽  
Asset Quality

This study provides one of the first evidence of the market discipline in the interbank market of the Vietnamese banking system after the global financial crisis. Based on the data of 19 commercial banks listed in Vietnam from 2010 to 2019, our empirical results suggest a weak interbank discipline in the Vietnamese banking system. Banks seem to be interested in the liquidity ratio of their fellows, especially for smaller banks, whereas they pay more attention to asset quality in the case of larger banks. We believe our study is of interest to regulators and policymakers in Vietnam

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