{"title":"CAMEL分析了印尼人民银行(PERSERO)、Tbk和PT国家储蓄银行(PERSERO)的财务健康状况。2018-2022时期","authors":"Eva Sriwiyanti, Wenima Halawa, Vitryani Tarigan","doi":"10.48042/jurakunman.v16i2.244","DOIUrl":null,"url":null,"abstract":"The purpose of this study was to assess the financial health of PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk using the CAMEL (Capital, Asset Quality, Management, Earning, Liquidity) method. The research object is PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. The type of research used is qualitative and quantitative. The type of data used is secondary data, and the sample used is data on the financial statements of PT BRI (Persero) Tbk and PT. BTN (Persero) Tbk. for 2018-2022. Based on the research results, it was found that the CAR ratio at BRI from 2018 to 2022 is in the range of ≥ 12% (very healthy). KAP ratio is in the range ≤ 2% (very healthy). The NPM ratio is in the range of 66% - ≤ 80% (fairly healthy) except for 2020 it will be in the range ≥ 51% - 65% (unhealthy). The ROA ratio is in the range > 1.5% (very healthy). The BOPO ratio is in the range ≤ 94% (very healthy). And for the LDR ratio from 2018 to 2021 it will be in the range of 85% - ≤ 100% (healthy enough), and in 2022 it will be in the range of 75% - ≤ 85% (healthy). Meanwhile, the CAR ratio for BTN from 2018 to 2022 is in the range of ≥ 12% (very healthy). The KAP ratio in 2018 is in the range of ≤ 2% (very healthy) and in 2019 to 2022 is in the range of 2% - ≤ 3% (healthy). The NPM ratio is in the range of 51% - ≤ 65% (unhealthy) except in 2019 it is in the range of ≤ 50% (unhealthy). The ROA ratio in 2018 was in the range of 0.5% - ≥ 1.25% (fairly healthy), in 2019 it was in the range 0% - 0.5% (unhealthy), in 2020 to 2022 it was in the range of 0.5% - ≤ 1.25 % (quite healthy). The BOPO ratio is in the range ≤ 94% (very healthy) except in 2019 it is in the range > 97% (unhealthy). And for the LDR ratio from 2018 to 2019 it will be in the range of 100% - ≤ 120% (unhealthy) and from 2020 to 2022 it will be in the range of 85% - ≤ 100% (fairly healthy). So that from the results of calculations and comparisons with the CAMEL method, it is obtained that the company that has a higher level of financial soundness for five years is PT BRI (Persero) Tbk. Keywords: Bank Health, BRI, BTN, CAMEL","PeriodicalId":386943,"journal":{"name":"Jurakunman (Jurnal Akuntansi dan Manajemen)","volume":"27 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2023-07-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"ANALISIS CAMEL DALAM MEMPREDIKSI KESEHATAN KEUANGAN PADA PT. BANK RAKYAT INDONESIA (PERSERO) , Tbk DAN PT. BANK TABUNGAN NEGARA (PERSERO) , Tbk. PERIODE 2018-2022\",\"authors\":\"Eva Sriwiyanti, Wenima Halawa, Vitryani Tarigan\",\"doi\":\"10.48042/jurakunman.v16i2.244\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The purpose of this study was to assess the financial health of PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk using the CAMEL (Capital, Asset Quality, Management, Earning, Liquidity) method. The research object is PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. The type of research used is qualitative and quantitative. The type of data used is secondary data, and the sample used is data on the financial statements of PT BRI (Persero) Tbk and PT. BTN (Persero) Tbk. for 2018-2022. Based on the research results, it was found that the CAR ratio at BRI from 2018 to 2022 is in the range of ≥ 12% (very healthy). KAP ratio is in the range ≤ 2% (very healthy). The NPM ratio is in the range of 66% - ≤ 80% (fairly healthy) except for 2020 it will be in the range ≥ 51% - 65% (unhealthy). The ROA ratio is in the range > 1.5% (very healthy). The BOPO ratio is in the range ≤ 94% (very healthy). And for the LDR ratio from 2018 to 2021 it will be in the range of 85% - ≤ 100% (healthy enough), and in 2022 it will be in the range of 75% - ≤ 85% (healthy). Meanwhile, the CAR ratio for BTN from 2018 to 2022 is in the range of ≥ 12% (very healthy). The KAP ratio in 2018 is in the range of ≤ 2% (very healthy) and in 2019 to 2022 is in the range of 2% - ≤ 3% (healthy). The NPM ratio is in the range of 51% - ≤ 65% (unhealthy) except in 2019 it is in the range of ≤ 50% (unhealthy). The ROA ratio in 2018 was in the range of 0.5% - ≥ 1.25% (fairly healthy), in 2019 it was in the range 0% - 0.5% (unhealthy), in 2020 to 2022 it was in the range of 0.5% - ≤ 1.25 % (quite healthy). The BOPO ratio is in the range ≤ 94% (very healthy) except in 2019 it is in the range > 97% (unhealthy). And for the LDR ratio from 2018 to 2019 it will be in the range of 100% - ≤ 120% (unhealthy) and from 2020 to 2022 it will be in the range of 85% - ≤ 100% (fairly healthy). So that from the results of calculations and comparisons with the CAMEL method, it is obtained that the company that has a higher level of financial soundness for five years is PT BRI (Persero) Tbk. 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引用次数: 0
摘要
本研究的目的是评估PT Bank Rakyat Indonesia (Persero) Tbk和PT Bank Tabungan Negara (Persero) Tbk的财务健康状况，使用CAMEL(资本，资产质量，管理，收益，流动性)方法。研究对象为PT Bank Rakyat Indonesia (Persero) Tbk和PT Bank Tabungan Negara (Persero) Tbk。使用的研究类型是定性和定量的。使用的数据类型为二次数据，使用的样本为PT BRI (Persero) Tbk和PT. BTN (Persero) Tbk的财务报表数据。2018 - 2022年。根据研究结果，2018年至2022年BRI的CAR比率在≥12%的范围内(非常健康)。KAP比率≤2%(非常健康)。NPM比率在66% -≤80%(相当健康)之间，2020年将在≥51% - 65%(不健康)之间。ROA比率在> 1.5%的范围内(非常健康)。BOPO比值≤94%(非常健康)。从2018年到2021年，LDR比率将在85% -≤100%(足够健康)之间，到2022年，它将在75% -≤85%(健康)之间。同时，2018 - 2022年BTN的CAR比率在≥12%的范围内(非常健康)。2018年的KAP比率在≤2%(非常健康)范围内，2019年至2022年在2% -≤3%(健康)范围内。除2019年NPM比率≤50%(不健康)外，其余年份NPM比率在51% -≤65%(不健康)之间。2018年总资产收益率为0.5% -≥1.25%(相当健康)，2019年为0% - 0.5%(不健康)，2020 - 2022年为0.5% -≤1.25%(相当健康)。BOPO比率在≤94%(非常健康)范围内，2019年在> 97%(不健康)范围内。从2018年到2019年，LDR比率将在100% -≤120%(不健康)之间，从2020年到2022年，它将在85% -≤100%(相当健康)之间。因此，从计算结果和与CAMEL方法的比较中可以得出，五年财务稳健性水平较高的公司是PT BRI (Persero) Tbk。关键词:银行健康，BRI, BTN, CAMEL
ANALISIS CAMEL DALAM MEMPREDIKSI KESEHATAN KEUANGAN PADA PT. BANK RAKYAT INDONESIA (PERSERO) , Tbk DAN PT. BANK TABUNGAN NEGARA (PERSERO) , Tbk. PERIODE 2018-2022
The purpose of this study was to assess the financial health of PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk using the CAMEL (Capital, Asset Quality, Management, Earning, Liquidity) method. The research object is PT Bank Rakyat Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk. The type of research used is qualitative and quantitative. The type of data used is secondary data, and the sample used is data on the financial statements of PT BRI (Persero) Tbk and PT. BTN (Persero) Tbk. for 2018-2022. Based on the research results, it was found that the CAR ratio at BRI from 2018 to 2022 is in the range of ≥ 12% (very healthy). KAP ratio is in the range ≤ 2% (very healthy). The NPM ratio is in the range of 66% - ≤ 80% (fairly healthy) except for 2020 it will be in the range ≥ 51% - 65% (unhealthy). The ROA ratio is in the range > 1.5% (very healthy). The BOPO ratio is in the range ≤ 94% (very healthy). And for the LDR ratio from 2018 to 2021 it will be in the range of 85% - ≤ 100% (healthy enough), and in 2022 it will be in the range of 75% - ≤ 85% (healthy). Meanwhile, the CAR ratio for BTN from 2018 to 2022 is in the range of ≥ 12% (very healthy). The KAP ratio in 2018 is in the range of ≤ 2% (very healthy) and in 2019 to 2022 is in the range of 2% - ≤ 3% (healthy). The NPM ratio is in the range of 51% - ≤ 65% (unhealthy) except in 2019 it is in the range of ≤ 50% (unhealthy). The ROA ratio in 2018 was in the range of 0.5% - ≥ 1.25% (fairly healthy), in 2019 it was in the range 0% - 0.5% (unhealthy), in 2020 to 2022 it was in the range of 0.5% - ≤ 1.25 % (quite healthy). The BOPO ratio is in the range ≤ 94% (very healthy) except in 2019 it is in the range > 97% (unhealthy). And for the LDR ratio from 2018 to 2019 it will be in the range of 100% - ≤ 120% (unhealthy) and from 2020 to 2022 it will be in the range of 85% - ≤ 100% (fairly healthy). So that from the results of calculations and comparisons with the CAMEL method, it is obtained that the company that has a higher level of financial soundness for five years is PT BRI (Persero) Tbk. Keywords: Bank Health, BRI, BTN, CAMEL
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