KAJIAN KESEHATAN BANK YUDHA BHAKTI SEBAGAI KELAYAKAN BANK PENEMPATAN DEPOSITO REKSA DANA PASAR UANG SYAILENDRA DANA KAS PT. SYAILENDRA CAPITAL

2018 ◽  
Vol 15 (1) ◽  
pp. 01
Author(s):  
Yoyo Indah Gunawan ◽  
Lerry Big Senjaya
Keyword(s):  
Asset Management ◽  
Capital Asset

Tujuan dari penelitian ini adalah untuk mengetahui kesehatan Bank Yudha Bhakti sebagai kelayakan  bank penempatan dana deposito Reksa Dana Pasar Uang Syailendra Dana Kas PT. Syailendra Capital.Sesuai dengan Peraturan Bank Indonesia Nomor 6/10/PBI/2004 tanggal 12 April 2004 tentang Sistem Penilaian Tingkat Kesehatan Bank Umum (Lembaran Negara Republik Indonesia Tahun 2004 Nomor 38, Tambahan Lembaran Negara Nomor 4382), maka metode yang di gunakan oleh PT. Syailendra Capital  kesehatan sebuah bank untuk menilai kelayaknya adalah menggunakan metode CAMEL (Capital, Asset, Management, Earning, Liquidity).Hasil penelitian menunjukkan bahwa rasio CAR = 18,18% (nilai poin = 5), rasio EAQ = 97,82% (nilai poin =5), rasio LDR = 94,57% (nilai poin = 5), rasio NPL = 2,07% (nilai poin = 5), rasio NIM = 8,31% (nilai poin = 4), rasio ROA = 0,40% (nilai poin= 1), dan rasio STM = 91,05% (nilai poin = 3). Sedangkan nilai total score CAMEL sebesar 84, artinya bahwa status kesehatan PT. Bank Yudha Bhakti .Tbk katagorinya sehat sehingga layak dijadikan bank penempatan dana deposito Reksa Dana Pasar Uang Syailendra Dana Kas  PT. Syailendra Capital.Hasil perhitungan masing-masing komponen rasio CAMEL diperoleh total hasil sebesar 84 Poin, ini berarti PT. Bank Yudha Bhakti .Tbk merupakan bank yang masuk kategori Sehat menurut rasio CAMEL yang sudah dihitung, maka dari itu reksa dana pasar uang Syailenda Dana Kas PT. Syailendra Capital dapat melakukan penempatan dana deposito pada bank tersebutBerdasarkan hasil penelitian tersebut maka disarankan : (1). Sebaiknya Syailendra Dana Kas PT. Syailendra Capital melakukan penempatan dana deposito pada  PT. Bank Yudha Bhakti Tbk yang katagorinya sehat sehingga akan memberikan keuntungan profit, (2) Perhitungan rasio CAMEL agar dapat menggunakan data laporan keuangan minimal selama 3 tahun, sehingga dapat juga dilihat perkembangan rasio CAMEL dari tahun ke tahun, (3). agar dalam proses pemilihan bank juga dapat mempertimbangkan berita-berita terkini dari industri perbankan mengenai bank yang akan dilihat rasio CAMEL-nya Kata Kunci : Kesehatan Bank

scholarly journals Analisis Perbandingan Kinerja Keuangan Perbankan Syariah Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS) pada Bank Umum Konvensional

2015 ◽  
Vol 6 (1) ◽  
pp. 81
Author(s):  
Wiwin Kurniasari
Keyword(s):  
Interest Rate ◽  
Risk Ratio ◽  
Asset Management ◽  
Market Risk ◽  
Interest Rate Risk ◽  
Capital Adequacy ◽  
Business Unit ◽  
Capital Asset ◽  
Rate Risk ◽  
Capital Adequacy Ratio

This study aims to analyze the comparative financial performance of Islamic Banking with Conventional Banking (Shariah Business Unit) for each financial ratio and overall. The measurements of banking performance were used in this study are CAMELS ratios (Capital, Asset, Management, Earnings, Liquidity, and Sensitivity to Market Risk). This study uses 11 Shariah Banks and 12 Shariah Business Unit in 2012. This study shows that there are no differences between Shariah Banks and Shariah Business Unit in Capital Adequacy Ratio and Ratio Quality of Earning Asset, but there are differences in Management Ratio, Profitability Ratio, Liquidity Ratio, and Sensitivity Ratio in each and overall.Penelitian ini bertujuan untuk menganalisa perbandingan kinerja keuanganperbankan syariah yaitu Bank Umum Syari ah (BUS) dengan Bank Konvensional dari Unit Usaha Syariah (UUS) untuk masing-masing rasio keuangan dan secara keseluruhan. Ukuran kinerja bank yang digunakan dalam penelitian ini adalah rasio keuangan bank CAMELS (Capital, Asset, Management, Earnings, Liquidity, sensitivity to market risk), yang meliputi Capital Adequacy Ratio (mewakili rasio permodalan), pembentukan penyisihan penghapusan aktiva produktif (mewakili rasio kualitas aktiva produktif), Net Profit Margin/NPM(mewakili rasio manajemen), Return on Assets (ROA), Loan to Deposit Ratio (mewakili rasio likuiditas) dan Interest Rate Risk Ratio (mewakili rasio Sensitivitas terhadap Risiko Pasar).Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling yang merupakan teknik pengambilan sampel dengan pertimbangan atau kriteria tertentu. Sampel yang dipergunakan peneliti adalah11 Bank Umum Syariah (BUS) dan 12 Unit Usaha Syariah (UUS) yang memiliki kelengkapan laporan keuangan tahun 2012 yang berupa neraca, laporan laba rugi, komitmen dan kontinjensi, kualitas aktiva produktif dan informasi lainnya, perhitungan kewajiban penyediaan modal minimum (KPMM). Berdasarkan hasil penelitian, analisis uji beda rata-rata t-Test memperlihatkan tidak ada perbedaan yang signifikan antara kinerja keuangan perbankan syariah pada Bank Umum Syariah (BUS) dengan perbankan konvensional yang mempunyai Unit Usaha Syariah (UUS) jika dilihat dari rasio permodalan (CAR) dan rasio kualitas aktiva produktif (PPAP). Ada perbedaan yang signifikan antara kinerja keuangan perbankan syariah (Bank Umum Syariah) dengan perbankan konvensional yang mempunyai Unit Usaha Syariah (UUS) jika dilihat dari rasio manajemen (NPM), rasio profitabilitas (ROA), rasio likuiditas (LDR), dan rasio sensitifitas terhadap reaksi pasar-Interest Rate Risk Ratio (IRRR), serta jika dilakukan analisis secara keseluruhan kinerja keuangan perbankan syariah.

scholarly journals Penilaian Tingkat Kesehatan Bank: Pendekatan CAMEL Dan RGEC

2019 ◽  
Vol 6 (2) ◽  
Author(s):  
Erika Amelia ◽  
Astiti Chandra Aprilianti
Keyword(s):  
Corporate Governance ◽  
Asset Management ◽  
Research Method ◽  
Secondary Data ◽  
Risk Profile ◽  
Sound Level ◽  
Capital Asset ◽  
Good Corporate Governance ◽  
Almost All ◽  
Bank Soundness

This study aims to determine the risk based bank rating at PT. Bank Maybank SyariahIndonesia if measured using CAMEL (Capital, Asset, Management, Earning,Liquidity) method and RGEC (Risk Profile, Good Corporate Governance, Earning,Capital) in 2011-2016 and also aims to know differences in ratios used in CAMELSand RGEC methods. The research method used in this research is literature researchor study desk study. The data used in this research is secondary data using financialstatements of Bank Maybank Syariah Indonesia Period 2011-2016. The results showthat the bank can be said to be adequately sound because almost all the ratios usedmeet the specified requirements and there are still some ratios that have not met therequirements, but in both methods have different results. In the year 2011-2014 therisk based bank rating of Maybank Syariah Bank is calculated using CAMEL methodof bank is in the sound level. In 2015 -2016, the calculation of bank soundness showsthat bank condition is in an sound level. In Maybank Syariah Bank the state of thebank is in the sound level is in 2011-2013 if calculated using the RGEC method. Inthe year 2014-2016 the condition of the bank shows a adequately sound level.

scholarly journals STRATEGI PENYEMPURNAAN IMPLEMENTASI SHARED SERVICE MULTI TOWER PADA SUBHOLDING COMMERCIAL & TRADING PERTAMINA

2021 ◽  
Vol 5 (2) ◽  
pp. 261
Author(s):  
Fadly Suterisno ◽  
Ningky Sasanti Munir
Keyword(s):  
Human Capital ◽  
Asset Management ◽  
Critical Success Factors ◽  
Success Factors ◽  
Shared Services ◽  
Capital Asset ◽  
Energy Company ◽  
Critical Success ◽  
Business Support ◽  
World Class

Shared Services Center (SSC) adalah paradigma baru perusahaan untuk meningkatkan efisiensi dan efektivitas dalam kegiatan pendukung bisnis. Studi menunjukkan perusahaan dengan SSC dapat mengurangi biaya hingga 30% (Richter & Brühl, 2019). Pertamina terus bertransformasi untuk mewujudkan visi menjadi perusahaan energi kelas dunia, dengan misi “Aggressive in Upstream, Profitable in Downstream”. Pertamina berinisiatif membentuk organisasi SSC sejak awal tahun 2018, yang diharapkan menjadi driver untuk mengelola kegiatan pendukung bisnis yang bersifat rutin, repetitif dan bervolume tinggi di seratus lebih anak perusahaan dan afiliasi dalam Pertamina grup. Saat ini, semua tipe pekerjaan, baik yang bersifat strategis, taktikal maupun transaksional dilakukan masing-masing entitas, sehingga banyak potensi inefisiensi dalam proses bisnisnya. Melalui SSC, semua kebutuhan bisnis yang berkaitan dengan Finance, IT, Human Capital, Asset Management serta Procurement, akan dipenuhi terlebih dahulu oleh SSC dan diberlakukan chargeback. Permasalahan strategis perusahaan yang menjadi tujuan penelitian ini adalah bagaimana business parenting opportunities serta critical success factors dari subholding C&T dengan implementasi Pertamina Multi Tower SSC? serta kesesuaiannya dengan karakteristik SSC sendiri. Apa strategi yang sesuai untuk diimplementasikan SSC dalam rangka mendukung visi pertamina menjadi world class energy company? Dengan pendekatan studi kualitatif, semua faktor sukses kritis dari anak perusahaan terkait penunjang bisnis dapat dipenuhi oleh karakteristik SSC. SSC menjadi salah satu solusi bagi anak usaha dalam mengelola fungsi supporting. Shared Services Center (SSC) is a new paradigm for companies to improve efficiency and effectiveness in business support activities. Studies show companies with SSC can reduce costs by up to 30% (Richter & Brühl, 2019). Pertamina continues to transform to realize its vision of becoming a world-class energy company, with the mission of "Aggressive in Upstream, Profitable in Downstream". Pertamina has taken the initiative by forming SSC organization since early 2018, which is expected to become a driver for managing routine, repetitive and high-volume business support activities in more than one hundred subsidiaries and affiliates in the Pertamina group. Currently, all types of work, whether strategic, tactical or transactional, are carried out by each entity, resulting in many potential inefficiencies in business processes. Through SSC, all business needs related to Finance, IT, Human Capital, Asset Management and Procurement, will be met first by SSC and a chargeback will be applied. The company's strategic issues that are the aims of this research are how are business parenting opportunities and critical success factors from subholding C&T with the implementation of Pertamina Multi Tower SSC? As well as its compatibility with the characteristics of the SSC itself. What is the appropriate strategy for SSC to implement in order to support Pertamina's vision of becoming a world class energy company? With a qualitative study approach,all the critical success factors of the subsidiaries related to business support can be fulfilled by SSC characteristics. SSC is one of the solutions for subsidiaries in managing supporting functions. 

scholarly journals Analisis Tingkat Kesehatan KSPS BMT Rama Tahun 2010 Berdasarkan Metode CAMEL (Capital, Assets, Management, Efficiency, Liquidity)

2011 ◽  
Vol 2 (2) ◽  
pp. 305
Author(s):  
Zulfa Saiban
Keyword(s):  
Asset Management ◽  
Financial Institution ◽  
Capital Asset ◽  
Management Efficiency ◽  
Capital Assets ◽  
Health Level ◽  
Two Component ◽  
Operational Activities ◽  
Society Perspective ◽  
Assets Management

Health financial institution is institution that can keep their credibility in society perspective, government, and also their costumer. Health financial institution mean that those was hold operational and management based on regulation/law and manage profesional. Health level appraisal of institution is appraisal on institution/cooperation ability to holding operational activities based on regulation. Health level appraisal can used as a measurement for management to appraise their operational activities. Further more, health level appraisal can used to evaluate management and to determinite the direction of developing institution. Externally, health level appraisal can affect to loyality of the customer to their cooperation. Ordinary, health level appraisal do to financial institioun such as bank/BPR which based on the CAMEL, this analysys include capital, asset, management, efficiency, and likuidity. Especially to non-bank financial institution like cooperation add two component : growth and cooperation identity.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK PERKREDITAN RAKYAT (BPR) DENGAN METODE CAMEL DI KOTA BATAM

2018 ◽  
Vol 6 (2) ◽  
pp. 34
Author(s):  
Puspita Rama Nopiana ◽  
Mufidatul Mufidatul
Keyword(s):  
Economic Development ◽  
Research Design ◽  
Asset Management ◽  
Quantitative Research ◽  
Financial Institution ◽  
Capital Asset ◽  
Financial Report ◽  
The Future ◽  
Report Data

ABSTRACT Bank an a financial institution that its role in supporting economic development in an area, which raised funds activities and disbursing funds in the form of loans or credit is a form of that money circulates to stabilize the economy.  The purpose of this study was to conduct analysis of the banking healthy level on Bank Perkreditan Rakyat (BPR) in Batam City, for 2012-2016 periods. This research uses descriptive quantitative research design. The report data were extracted from bank’s financial from financial report which had been published by Otoritas Jasa Keuangan (OJK). The assessment analysis of banking healthy level has been carried out by using CAMEL method (Capital, Asset, Management, Earning, and Liquidity) which is based on the decree of BI director No.30/12/KEP/DIR on April 30th, 1997. The results showed that the healthy level of  Bank Perkreditan Rakyat (BPR) in Batam City for 2012-2016 periods showed categorized healthy, where the value – average CAR ratio of 13.68%, KAP ratio of 1.76%, NPM ratio of 16.51%, ROA ratio of 3.86%, BOPO ratio 78.01%, and LDR ratio of 87.05%. Expected for the future later BPR could continue to keep even better, so the level of health can be guaranteed according to applicable regulations.  

scholarly journals Penilaian Tingkat Kesehatan Lembaga Perkreditan Desa Se-Kecamatan Denpasar Utara Tahun 2016-2017

2020 ◽  
Vol 30 (2) ◽  
pp. 490
Author(s):  
I Nyoman Putra Wibawa ◽  
Ida Bagus Putra Astika
Keyword(s):  
Asset Management ◽  
Financial Health ◽  
Capital Asset ◽  
Credit Institution ◽  
The North ◽  
The Poor ◽  
Analysis Technique ◽  
Financial Economy ◽  
The Village ◽  
Average Sample

The LPD contribution in the North Denpasar can sustain the financial economy of the community, especially the poor in the North Denpasar. The purpose of this study was to determine the development of the level of financial health at the Village Credit Institution (LPD) of North Denpasar in 2016-2017 with CAMEL analysis. The number of samples used was 10 LPDs in North Denpasar with a nonprobability sampling. Data collected through observation and interviews. Data analysis technique used is  non-statistical quantitative approach. Based on the results, it was found that LPD in the North Denpasar in 2016-2017 with an average sample size of 10 LPDs were categorized as healthy, with CAMEL values above 80. The Ubung LPD for the year 2016-2017 obtained the highest CAMEL score of 99.60. The Kedua LPD in the period of 2016-2017 obtained the lowest CAMEL value, amounting to 81.45. Keywords: Capital; Asset; Management; Earnings; Liquidity.

An ontology-supported asset information integrator system in infrastructure management

2015 ◽  
Vol 5 (4) ◽  
pp. 380-397 ◽  
Author(s):  
Jehan Zeb ◽  
Thomas Froese ◽  
Dana Vanier
Keyword(s):  
Information Systems ◽  
Asset Management ◽  
Data Exchange ◽  
Research Work ◽  
Prototype System ◽  
Infrastructure Management ◽  
Capital Asset ◽  
Content Type ◽  
Asset Inventory ◽  
Practical Implications

Purpose – The purpose of this paper is to develop and apply an ontology-supported asset information integrator system (AIIS) in the domain of infrastructure management. The two objectives are: first, to describe how different ontologies developed as part of this research support the design of message templates (MTs) that were implemented in the AIIS; and second, to explain the development and application of the prototype system for tangible capital asset (TCA) reporting. Design/methodology/approach – The proposed system was developed in the MS SharePoint platform using a four-step methodology: create a web site and library; review and modify MTs; design and configure workflows; and add functionalities. Findings – First, the architecture, methodology, and evaluation of the two ontologies: Transaction Domain Ontology and Tangible Capital Asset Ontology, developed as part of this research work were briefly introduced to describe how both the ontologies supported the design of MTs that were implemented in the AIIS. Second, the AIIS was successfully developed and applied in the domain of infrastructure management for the Asset Inventory and Condition Assessment Reporting. Practical implications – The development of the AIIS would enable industry experts to exchange the tangible capital information. The built-in search engine and history services would help the experts to search a transaction and track the transaction history. The real-time visualisation of the data would help in decision making. Originality/value – Infrastructure agencies use diversified information systems to manage infrastructure systems. Due to propriety nature of the information systems, the TCA data generated is heterogeneous and inconsistent, which make it difficult to exchange with other organisations. Also, the existing applications focus on processing and managing the TCA data for a variety of tasks; however, lack to support data exchange with other organisations. This emphasises the gap that requires the development of an ontology-supported collaboration system in the domain of infrastructure asset management.

scholarly journals A Comparative Analysis of the Quality of Islamic and Conventional Banks’ Asset Management in Indonesia

2014 ◽  
Vol 16 (2) ◽  
pp. 185 ◽  
Author(s):  
M. Shabri Abd. Majid ◽  
Said Musnadi ◽  
Indra Yadi Putra
Keyword(s):  
Asset Management ◽  
Quality Level ◽  
Islamic Banks ◽  
Capital Asset ◽  
Operating Income ◽  
Management Quality ◽  
Financing Risk ◽  
Conventional Banks ◽  
Conventional And Islamic Banks

This research empirically and comparatively examines the quality of conventional and Islamic banks’ asset management in Indonesia during the period 2009-2011. Four general conventional banks [i.e., Bank Mandiri Indonesia (BMI), Bank Rakyat Indonesia (BRI), Bank Central Asia (BCA), and Bank Nasional Indonesia (BNI)] and four Islamic banks (Bank Muamalat, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, and Bank Syariah BRI) were, respectively, explored. Specifically, the purpose of this study is to compare the quality of the Islamic and conventional banks’ asset management with the CAMEL (capital, asset, management, earning, and liquidity) method. It also attempts to analyse the influences of the ROA (Return on Asset), TLTA (Total Loan to Total Assets), and OITL (Operating Income to Total Liabilities) on the quality of the banks’ asset management. The CAMEL method was used to evaluate the quality level of the banks’ asset management, while the multiple regression analysis was then adopted to explore the determinants of the quality of the banks’ asset management. The study documented that Bank Syariah BRI was the best performing bank, with the highest CAMEL score of 50.33, while Bank Mandiri Indonesia was the worst performer with the lowest CAMEL score of 26.33. As a group, the Islamic banks were found to have better rankings, i.e., positions 1, 2, 3, and 6, while the conventional banks were found in 4, 5, 7, and 8, respectively. The study proved that the Islamic banks have a better asset management quality compared to their conventional counterparts. The Islamic banks were also proved to be better able to withstand the risks, particularly the financing risk.      

scholarly journals ANALISIS TINGKAT KESEHATAN BANK PT. BANK PERKREDITAN RAKYAT JORONG KAMPUNG TANGAH PARIAMAN CABANG PADANG

2020 ◽  
Author(s):  
Doni Marlius ◽  
Junika Sukma
Keyword(s):  
Asset Management ◽  
Financial Services ◽  
Quantitative Data ◽  
Research Method ◽  
Secondary Data ◽  
Financial Health ◽  
Analysis Method ◽  
Capital Asset ◽  
Qualitative And Quantitative ◽  
Quantitative Data Analysis

The purpose of this study was to determine how the Bank's Soundness at PT. Bank Perkreditan Rakyat JKT-Pariaman, Padang Branch. The research method used is a qualitative and quantitative data analysis method. The type of data used is secondary data obtained from the publication report of the Financial Services Authority and the People's Credit Bank JKT-Pariaman Padang Branch for the period 2017-2018. Analysis of the level of financial health of banks using the CAMEL method (Capital, Asset, Management, Earning, Liquidity). The results showed that the level of financial health of BPR JKT-Pariaman Padang Branch in 2017-2018 showed a healthy category, where CAR 2017-2018 was above the BI standard of 8% which means healthy, and ROA owned in a healthy condition while the LDR Ratio of PT. BPR-JKT Pariaman Padang Branch is not in the healthy category in 2017-2018 banks cannot keep the LDR below 94.75%.

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