Analisis Kinerja dengan Menggunakan Pendekatan Rasio Camel

Abstract

The goal of this research is to analyze the healtiness of banks seen from CAMEL category. The research applied a case study in PD BPR BKK Banjarharjo. The hypotheses tested using CAMEL analysis tools. The result of the study is that the modal used 2008 until 2010 is consideredin a healthy criteria. The increasing ROA in 2008 until 2010 is considered healthy criteria for operational expenses incurred by the operating income. Such condition meant that the banks are able to manage the assets which are used to pay the obligations. The significant increasing of LDR over the years 2008 until 2010 makes the received funds by the bank to increase the savings deposits, time deposits and the core capital. As the recunts, the banks are able to increase credit disstribution. More over, the IRR showed a positive values in the face of market risks and the development of healthy levels in 2008 until 2010 for the components of Capital, Assets, Earnings and Liquidity tends to increase.