02._Artikel_Publikasi_Ilmiah.pdf

02._Artikel_Publikasi_Ilmiah.pdf - ANALISIS TINGKAT...

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ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE CAMEL PADA PD. BPR BANK DAERAH KARANGANYAR ARTIKEL PUBLIKASI ILMIAH Disusun Untuk Memenuhi Tugas dan Syarat-syarat Guna Memperoleh Gelar Sarjana Ekonomi Jurusan Manajemen Pada Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surakarta Disusun oleh: SEPTIANA TRI HASTUTI B 100 090 205 FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS MUHAMMADIYAH SURAKARTA 2013
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Yang bertanda tangan di bawah ini telah menerima dan membaca Artikel Publikasi dengan judul : Penandatangan berpendapat bahwa Artikel Publikasi tersebut telah memenuhi Syarat untuk diterima.
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1 ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE CAMEL PADA PD. BPR BANK DAERAH KARANGANYAR Oleh: Septiana Tri Hastuti ABSTRACT The purpose of this research is to analyze how the author would like to bank soundness conditions on PD. Regions Bank BPR Karanganyar consisting of Capital, Asset Quality, Management, Earnings, Liquidity. As a result is expected for consideration in policy-making related to the survival of a bank. In health research using CAMEL bank that starts with the calculation of ratios and credit scores every component of each of these factors. The data in this study is a secondary data is data obtained from certain parties by way of records or documentation. Data includes: Balance Sheet and Income Statement 2007-2011 year. Based on the results of research on the analysis of the level of the Bank with CAMEL Method In PD. BPR Bank Bank Regional Health Karanganyar level with CAMEL Method In PD. Regions Bank Karanganyar RB 2007 showed that based on aspects of capital, assets, management, earnings and liquidity of financial performance PD. Regions Bank BPR Karanganyar included in the category of fairly healthy, while in 2008-2011 shows the financial performance of PD. Banks including Regional Rural Banks Karanganyar the healthy category. This suggests that the ability of the PD. BPR Karanganyar Regional Banks in the management of capital, assets, management, earnings and the ability to restore short-term debt included in either category. Keywords: capital, assets, management, earnings and liquidity. PENDAHULUAN Sistem keuangan pada dasarnya adalah tatanan dalam perekonomian suatu negara yang memiliki peran terutama dalam menyediakan fasilitas jasa-jasa dibidang keuangan oleh lembaga-lembaga keuangan dan lembaga-lembaga penunjang lainnya, misalnya pasar uang dan pasar modal.Sistem keuangan Indonesia pada prinsipnya dapat dibedakan dalam dua jenis yaitu sistem perbankan dan sistem keuangan bukan bank. Lembaga keuangan yang masuk dalam sistem perbankan adalah lembaga keuangan yang berdasarkan peraturan perundangan dapat menghimpun dana dari masyarakat dalam bentuk kredit atau bentuk-bentuk lainnya dan dalam kegiatannya memberikan jasa dalam lalu lintas pembayaran (Siamat, 1999: 19).
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2 Krisis ekonomi dan moneter yang berlangsung pada pertengahan tahun 1997 memberikan dampak nyata pada kehidupan masyarakat.Sejak itu, kinerja perekonomian Indonesia menurun tajam dan berubah menjadi krisis yang berkepanjangan di berbagai bidang. Proses penyebaran krisis berkembang cepat
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