scholarly journals ANALISIS LAPORAN KEUANGAN PADA BANK RAKYAT INDONESIA DAN BANK NEGARA INDONESIA DI TINJAU DARI ANALISIS CAMEL

2021 ◽  
pp. 310-317
Author(s):  
Yulia Santy Hari ◽  
Roy.I.J Pangkey ◽  
Aprili Bacilius
Keyword(s):  
Capital Assets ◽  
Assets Management

  ABSTARK Tujuan riset ini merupakan guna mengenali gimana kinerja keuangan PT. Bank Rakyat Indonesia (Persero) Tbk serta PT. Bank Negeri Indonesia ( Persero) Tbk dengan memakai prosedur CAMEL (Capital, Assets, Management, Earning, Liquidity) periode 2014 hingga 2018. Metode yang digunakan adalah metode deskriptif kuantitatif. Hasil analisis laporan keuangan PT. Bank Rakyat Indonesia (Persero) Tbk serta PT. Bank Negara Indonesia (Persero) Tbk bersumber pada metode CAMEL mendapatkan predikat sehat sejak tahun 2014 sampai 2018. Sehingga PT. Bank Rakyat Indonesia (Persero) Tbk dapat menunjukkan prestasi peningkatannya pada rasio CAR, KAP, ROA, dan LDR sedangkan PT. Bank Negara Indonesia (Persero) Tbk menunjukkan prestasinya pada rasio NPM dan LDR. Efektivitas dari kedua bank ini memiliki ketahanan yang baik dalam menghadapi gejolak perekonomian saat ini sehingga nilai kesehatan yang dibentuk menunjukkan kedua bank tersebut dapat menjalankan fungsinya dengan baik.  

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 PENGARUH KINERJA PERBANKAN TERHADAP RASIO PROFITABILITAS PADA BANK BUMN

2018 ◽  
Vol 6 (1) ◽  
pp. 11-18
Author(s):  
Sofyan Marwansyah ◽  
Eka Dyah Setyaningsih
Keyword(s):  
Capital Assets ◽  
Assets Management

Penilaian kesehatan bank akan berpengaruh terhadap kemampuan bank dan loyalitas nasabah terhadap bank yang bersangkutan. Untuk menilai kesehatan suatu bank dapat diukur dengan berbagai metode, salah satu alat untuk mengukur kesehatan bank adalah analisis CAMEL (Capital, Assets, Management, Earning, Liquidity). Aspek capital meliputi CAR, aspek assets meliputi NPL, aspek earning meliputi ROA dan BOPO, aspek likuidity meliputi LDR.Perbankan merupakan salah satu perusahan yang memiliki peran penting dalam perkembangan serta pertumbuhan ekonomi suatu negara, di Indonesia ada banyak Bank yang beroperasi namun dari semua bank yang ada hanya ada empat Bank milik pemerintah yakni bank Mandiri, Bank BTN, Bank BRI dan Bank BNI. Untuk menopang perekonomian negara maka perbankan tersebut harus menjaga kinerja dalam hal profit. Penelitian ini bertujuan ingin mengetahui pengaruh secara parsial maupun stimultan kinerja perbankan nasional (BUMN) terhadap profitabilitas menggunakan analisis regresion linear berganda. Hasil penelitian diperoleh secara parsial rasio BOPO dan CAR tidak berpengaruh terhadap rasio ROA, rasio NPL dan Rasio LDR berpengaruh secara signifikan terhadap rasio ROA masing masing sebesar 27,4% dan 74,3%, sedangkan secara simultan kinerja perbankan berpengaruh secara signifikan terhadap rasio ROA sebesar 70,1%.

scholarly journals Analisis Tingkat Kesehatan LPD Metode Capital, Assets, Management, Earning dan Liquidity LPD Desa Baluk Negara Periode 2016-2018

Widya Amrita ◽  
2021 ◽  
Vol 1 (1) ◽  
pp. 265-274
Author(s):  
Ni Komang Indah Permatasari ◽  
Made Dian Putri Agustina
Keyword(s):  
Financial Institution ◽  
Balance Sheet ◽  
Good Health ◽  
Financial Statements ◽  
Balance Sheets ◽  
Capital Assets ◽  
Income Statement ◽  
Improved Performance ◽  
The Village ◽  
Assets Management

The Village Credit Institution (LPD) is a financial institution belonging to the Pakraman village that has developed, providing social, economic and cultural benefits to its citizens, so it needs to be fostered, improved performance and preserved. The purpose of this study was to determine the level of LPD health using the method of capital, assets, management, earning and liquidity in the LPD at Baluk Village, Negara District for the period 2016-2018. The object of research is the LPD financial statements, especially the balance sheet and income statement at the Pakraman Baluk Village LPD. The population in this study is the financial statements of the LPD Desa Baluk from 2016 to 2018. The sample used in this study is the financial statements which include balance sheets and income statements for the last 3 years, namely 2016, 2017, and 2018. The results of this study indicate that the CAMEL value of the Pakraman Baluk Village LPD in 2016, 2017 and 2018 the health level of the Pakraman Baluk Village LPD is in good health. The suggestion in this research is to create new innovations, for example by making a lucky draw for customers.

scholarly journals Análise das Variáveis Macroeconômicas e do acrônimo CAMELS sobre o retorno das ações ordinárias nas Instituições Financeiras nacionais de grande porte

2016 ◽  
Vol 6 (1) ◽  
pp. 47
Author(s):  
Alexandre Franco De Godoi ◽  
José Odálio Dos Santos ◽  
Renato Manga Jacob ◽  
Valéria Regina Bertoncelo
Keyword(s):  
Capital Assets ◽  
Assets Management

O artigo tem por objetivo contribuir com as discussões sobre os fatores econômico-financeiros e macroeconômicos que impactam o retorno das ações ordinárias dos principais bancos brasileiros de grande porte: Banco do Brasil, Bradesco e Itaú-Unibanco. Para isso, construiu-se um modelo de regressão múltipla para avaliar se um conjunto de variáveis dependentes relacionadas aos fundamentos macroeconômicos e ao acrônimo CAMELS contribuíram, de forma estatisticamente significativa, como determinantes do desempenho do retorno das ações ordinárias dos bancos analisados. As variáveis independentes macroeconômicas selecionadas foram: PIB; câmbio; taxa de juros; inflação; risco país e o acrônimo CAMELS – este se refere aos índices: Capital; Assets; Management; Earnings; Liquidity e Sensitivity. Paralelamente, verificou-se o nível de correlação entre o retorno da carteira de mercado IBOVESPA com as variáveis independentes macroeconômicas selecionadas. Os resultados sugerem que a variável independente, válida e estatisticamente significativa, que contribuiu para explicar o comportamento do retorno das ações ordinárias foi o retorno da carteira de mercado IBOVESPA. Em parte, admite-se a coerência da variável validada, considerando a premissa que em cenário econômico favorável as empresas tendem a ter maior nível de atividades e investimentos e, consequentemente, a demandarem mais pelos principais direcionadores da rentabilidade bancária: produtos de crédito para capital de giro e imobilizações. Para validação da correlação positiva elevada entre o retorno da carteira de mercado IBOVESPA e o risco país, assumiu-se a premissa que o desempenho financeiro dos bancos está diretamente relacionado com a situação do cenário econômico, capturado pela avaliação do risco país, via metodologia EMBI+.

Infrastructure Capital Assets Management

2000 ◽  
Vol 2000 (6) ◽  
pp. 1639-1655 ◽  
Author(s):  
Thomas R. Morgan ◽  
Edward Wagner
Keyword(s):  
Capital Assets ◽  
Assets Management

scholarly journals PENENTU KESEHATAN PERBANKAN

2018 ◽  
Vol 14 (2) ◽  
pp. 105-116
Author(s):  
YULIUS KURNIA SUSANTO ◽  
TJHAI FUNG NJIT
Keyword(s):  
Foreign Exchange ◽  
Sampling Method ◽  
Reserve Requirement ◽  
Return On Equity ◽  
Purposive Sampling ◽  
Capital Assets ◽  
Assets Management

This research aims to provide empirical evident about determinant on banking healthy using the CAMEL (capital, assets, management, earnings and liquidity) method. CAMEL is one method to evaluate the banking performance. Sample are used in this research all company of state own bank, foreign exchange bank, and non-foreign exchange bank from the directory from 2005 until 2007 using purposive sampling method. The result of this research shows that nonperformance loan, return on equity, loan to deposit ratio and reserve requirement have determinant on banking healthy.

scholarly journals PENGARUH KINERJA PERBANKAN TERHADAP RASIO PROFITABILITAS PADA BANK BUMN

2018 ◽  
Vol 1 (1) ◽  
pp. 35-42
Author(s):  
Ikmal Ikmal
Keyword(s):  
Capital Assets ◽  
Assets Management

Bank adalah jenis usaha jasa dibidang keuangan yang berkembang pesat dewasa ini. Kinerja Bank dari aspek keuangan yang disajikan dalam laporan keuangan perlu dianalisis dengan alat Rasio Keuangan. Penilaian kesehatan bank akan berpengaruh terhadap kemampuan bank dan loyalitas nasabah terhadap bank yang bersangkutan. Untuk menilai kesehatan suatu bank dapat diukur dengan berbagai metode, salah satu alat untuk mengukur kesehatan bank adalah analisis CAMEL (Capital, Assets, Management, Earning, Liquidity). Aspek capital meliputi CAR, aspek assets meliputi NPL, aspek earning meliputi ROA dan BOPO, aspek likuidity meliputi LDR. di Indonesia ada banyak Bank yang beroperasi namun dari semua bank yang ada hanya ada empat Bank milik pemerintah yakni bank Mandiri, Bank BTN, Bank BRI dan Bank BNI. Penelitian ini bertujuan ingin mengetahui pengaruh secara parsial maupun stimultan kinerja perbankan nasional (BUMN) terhadap profitabilitas menggunakan analisis regresion linear berganda. Hasil penelitian diperoleh secara parsial rasio BOPO dan CAR tidak berpengaruh terhadap rasio ROA, rasio NPL dan Rasio LDR berpengaruh secara signifikan terhadap rasio ROA, sedangkan secara simultan kinerja perbankan berpengaruh secara signifikan terhadap rasio ROA.

scholarly journals An Assessment of Islamic Banking in Bosnia and Herzegovina – a comparative analysis using the CAMELS approach

2016 ◽  
pp. 367-387 ◽  
Author(s):  
Rafał Komorowski ◽  
Katarzyna Kubiszewska
Keyword(s):  
Comparative Analysis ◽  
Bosnia And Herzegovina ◽  
Banking Sector ◽  
Islamic Banking ◽  
Capital Assets ◽  
Assets Management

This paper examines the phenomenon of Islamic banking in Bosnia and Herzegovina. Although almost half of the Bosnian population is recognized as Islamic, there is only one bank purely based on Sharia operating in this country. The aim of the article is to conduct a comparative analysis of the financial standing of this bank and the banking sector in this country and region. The chosen method of analysis is CAMELS, which examines an institution by taking into consideration its most crucial elements: capital, assets, management, earnings, liquidity and sensitivity to risk.

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