TINGKAT KESEHATAN BANK SYARIAH DI INDONESIADENGAN PENDEKATAN METODE CAMEL (STUDI EKSPLANATORI)

Abstract

The objective of this study was to analyze the financial performance of Sharia Banks in Indonesia using CAMEL approach and rank the banks based on their performance as well as to test the existence of the relationship between the selected CAMEL factor measurements with the profitability measures.The financial performance of All Sharia Banks examined by using panel data from year 2011 to year 2015. This type of research used in this research is explanatory study that describes the situation based on the data that is a number that has been collected. The data used in this research is secondary data in financial statements focusing on financial ratio for the year 2011- 2015 at Sharia Banks in Indonesia. Sources of data in this study are in financial statements can be obtained from the annual report each banks. Methods of data collection in this study is documentation of data collection by collecting secondary data that has been documented in the form of annual financial statements obtained from the website of each of the banks to obtain financial statement. Based on analysis of bank rating by using CAMEL terms of calculation of the ratio known that from the analysis Capital Adequancy all Sharia Banks were calculated by the CAR was all achieved very healthy predicate. Asset Quality all Sharia Banks were calculated by the NPF only one bank achievedvery healthy predicate. Management all Sharia Banks were calculated by the ratio of the CIRonly one achieved very healthy predicate and there is one bank which in very bad predicate. Earning calculated using NOMthere is no one of all Sharia Banks which achived very healthy predicate. Liquidity calculated using FDR all Sharia Banks has different levels of health.