Detail Cantuman

Penelitian ini menganalisis tingkat kesehatan bank FAMA, Bank Royal Internasional, dan Bank Artos dengan metode CAMEL periode 2017. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif dan metode verifikatif. Penelitian deskriptif digunakan untuk menilai kenerja keuangan bank dengan menggunakan rasio-rasio dalam lingkup CAMEL Metode penelitian verifikatif digunakan untuk mengetahui kondisi dari rasio-rasio dengan menggunakan kriteria OJK sebagai acuan yaitu Capital Adequacy Rasio(CAR), Non Performing Loan (NPL), Net Profit Margin (NPM), Return On Asset (ROA),Return on Equity (ROE), Net Interest Margin (NIM), Biaya Operasional dan Pendapatan Operasional (BOPO), dan Loan to deposit ratio (LDR).

Digunakan adalah teknik purposive sampling, yaitu hanya menggunakan laporan keuangan tahun 2015 s/d 2017. Hasil penelitian, aspek permodalan ketiga bank sangat sehat, kualitas asset yang relative baik. parameter ROA dan ROE ketiga bank tidak sehat, namun NIM dan kondisi sehat. Ini menunjukkan bahw aposisi aktiva produktif yang terlalu keci Idalam struktur asset. Hal ini berdampak padae fisiensi dengan rendah khususnya Bank Royal dan Artos sebagaimana diperlihatkan parameter BOPO. Dari Aspek LDR ketiga bank termasuk agresif tapi tidak mampu mendorong tingkat profitabilitas.

Kata kunci: Metode CAMEL, Capital Adequacy Rasio(CAR), Non Performing Loan (NPL), Net Profit Margin (NPM), Return On Asset (ROA),Return on Equity (ROE), Net Interest Margin (NIM), Biaya Operasional dan Pendapatan Operasional (BOPO), dan Loan to deposit ratio (LDR).

This research analyzes the health level ofFAMA bank, Royal International bank, and Artosbank, with CAMEL 2017. The research method applied in this study is descriptive research and verification methods. Descriptive research is applied to assess bank financial performance by using ratios in the scope of CAMEL. The verification research method is applied to determine the condition of the ratios using Financial Service authorüy criteria as a reference, namely Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Operating Costs and Operating Income, and Loan to deposit ratio (LDR).

Sample technique used is purposive sampling technique, which only uses financial statements from 2015-2017. The results of the study show that the capital aspects ofthe banks are very healthy, asset quality is relatively good. The probability ofthe ROA and ROE parameters of the banks are not healthy, but the NIM is in a healthy condition. It shows that the portion of earning assets is too small in the asset structure. It has a low impact on efficiency, especially the Royal and Arios Banks as shown by the BOPO parameters. From the LDR aspect, the three banks are aggressive but are unable to increase the level ofprofitability.

Keywords : CAMEL, Capital Adequacy Ratio, Non-Performing Loan, Net Profit Margin (NPM), Return On Asset (ROA),Return on Equity (ROE), Net Interest

Margin (NIM) , Operational Cost and Operational Income, Loan to deposit ratio (LDR)