Analisis Pengaruh Rasio CAMEL Terhadap Profitabilitas Pada BANK Badan Usaha Milik Negara (BUMN) Di Indonesia Periode
2007 – 2012
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Institusion
Universitas Pembangunan Nasional Veteran Jawa Timur
Author
PRIANTO , VREDIAWAN
Subject
HF5601 Accounting
Datestamp
2013-10-23 01:16:00
Abstract :
Good management of national banks and national banking supervision tightened greatly to the success of the performance of banking itself. In the management of the banks themselves must be done in a professional manner, so as to make a profit, like other major goals established bank that is other than as intermediary and collector of funds, the bank has a goal to make a profit on an ongoing basis. BI requirements of the Rating System for Commercial Banks in No.13/24/DPNP Circular dated October 25, 2011 about the Rating System for Commercial Banks describing the CAMEL ratios as a measure to evaluate the performance of bank soundness. The research was conducted at the General Board 4 Bank Owned (SOEs) in Indonesia, which consists of Bank Rakyat Indonesia, Bank Negara Indonesia, Bang National Savings, and Bank Mandiri with secondary data financial reporting period 2007-2012. Tool used is regression analysis. Analysis results are then analyzed by the classical assumption test and F-test and t-test statistics. Based on the conclusion that the multiple linear regression model to determine the effect produced on CAR (X1), NPL (X2), NIM (X3), and LDR (X4) to Profitability ROA (Y). It is known from the F test obtained a significant level of 0.000 is less than 5% (sig <0,05). Meanwhile, partially CAR (X1) has a positive effect on the profitability ROA (Y) using the t test where a significant level of 0.026 is less than 5% (sig <0.05), NIM (X2) negatively affect the profitability ROA (Y) with 0,000 results significantly less than 5% (sig <0.05), NIM (X3) has a positive effect on the profitability ROA (Y) derived from a significant level of 0.000 is less than 5% (sig <0.05), and LDR (X4) influential Profitability negative ROA (Y) with significant results 0,000 less than 5% (sig <0,05). Keyword : CAR, NPL, NIM, LDR, ROA.
Good management of national banks and national banking supervision tightened greatly to the success of the performance of banking itself. In the management of the banks themselves must be done in a professional manner, so as to make a profit, like other major goals established bank that is other than as intermediary and collector of funds, the bank has a goal to make a profit on an ongoing basis. BI requirements of the Rating System for Commercial Banks in No.13/24/DPNP Circular dated October 25, 2011 about the Rating System for Commercial Banks describing the CAMEL ratios as a measure to evaluate the performance of bank soundness. The research was conducted at the General Board 4 Bank Owned (SOEs) in Indonesia, which consists of Bank Rakyat Indonesia, Bank Negara Indonesia, Bang National Savings, and Bank Mandiri with secondary data financial reporting period 2007-2012. Tool used is regression analysis. Analysis results are then analyzed by the classical assumption test and F-test and t-test statistics. Based on the conclusion that the multiple linear regression model to determine the effect produced on CAR (X1), NPL (X2), NIM (X3), and LDR (X4) to Profitability ROA (Y). It is known from the F test obtained a significant level of 0.000 is less than 5% (sig <0,05). Meanwhile, partially CAR (X1) has a positive effect on the profitability ROA (Y) using the t test where a significant level of 0.026 is less than 5% (sig <0.05), NIM (X2) negatively affect the profitability ROA (Y) with 0,000 results significantly less than 5% (sig <0.05), NIM (X3) has a positive effect on the profitability ROA (Y) derived from a significant level of 0.000 is less than 5% (sig <0.05), and LDR (X4) influential Profitability negative ROA (Y) with significant results 0,000 less than 5% (sig <0,05). Keyword : CAR, NPL, NIM, LDR, ROA.
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