PENILAIAN TINGKAT KESEHATAN BANK BERDASARKAN ANALISIS CAMEL JUSTED( Studi kasus pada PT. Bank Mandiri, Tbk. Malang )

Sulaiman, Moh. Wildan (2010) PENILAIAN TINGKAT KESEHATAN BANK BERDASARKAN ANALISIS CAMEL JUSTED( Studi kasus pada PT. Bank Mandiri, Tbk. Malang ). Other thesis, University of Muhammadiyah Malang.

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Abstract

"Rating Banks Based on CAMEL Justed Analysis”. A case study on PT. Bank Mandiri, PT Malang. Thesis Department of Accounting University of Malang (Moh. Wildan Sulaiman, Supervising I Dra. Ratna Utami, MM. Advisors II, Dra. Eni Suprapti, MM). The purpose of this study was to determine the health level of PT. Bank Mandiri, Tbk. Poor based on the Governor of Bank Indonesia Regulation No. 6/10/2004 regarding the health of the banking system. The analysis method is a method that includes five aspects CAMEL and judgments of the factors, namely the formula CAR (Capital Adequacy Ratio), Asset Quality, BDR (Bad Debt Ratio), CAD (Classified Assets Reserves), Management (general management and risk management) earnings with the formula ROA (Return On Asset), and ROA (Operating Expenses On Rational Revenue), the Liquidity with a formula LDR (Loan to Deposit Ratio), and NCM to the CA (Call Money To Net Current Asset), as well as Bank complies with BMPK (Batas Maksimum Pemberian Kredit). The results show PT. Bank Mandiri Tbk, Malang, CAMEL credit score for two consecutive years (2005 - 2006) amounted to 74.32 and 68.5 so that PT. Bank Mandiri Tbk, Malang predicate given only to healthy enough category, because the standards provided by Bank Indonesia to a healthy predicate is between 81-100. Assessment of credit rating is based on the analysis of the fifth aspect and single judgments in the CAMEL factors. Thus based on the CAMEL analysis of the PT. Bank Mandiri Tbk, Malang, just get healthy enough category without a reduction in the penalties determined by Bank Indonesia. Keywords: Rating Banks Based and CAMEL Analysis

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 22 Mar 2012 10:44
Last Modified: 22 Mar 2012 10:44
URI: http://eprints.umm.ac.id/id/eprint/956

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