ANALISIS TINGKAT KESEHATAN PT. BANK PERKREDITAN RAKYAT BINTANG MITRA PERIODE 2011-2013 DENGAN ANALISIS CAMEL

Abstract

Banking management performance is very important in banking activities. Banking activity is the
intermediation institution or the financial intermediary between the funding owner group and the
group who needs fund. The purpose of this research is to conduct analysis to the banking healthy level
on PT Bank Perkreditan Rakyat Bintang Mitra in Surabaya, for 2011-2013 periods. The assessment
analysis of banking healthy level has been carried out by using CAMEL method (Capital, Asset,
Management, Earning, and Liquidity) which is based on the decree of BI director No.30/12/KEP/DIR
on April 30th, 1997. The result of the research shows that the bank healthy level of PT BPR Bintang
Mitra in 2011-2013 was categorized healthy with consecutive score was 96.9 in 2011, 97.9 in 2012,
and 98.5 in 2013. But from the component of Capital Adequacy Ratio (CAR) in 2012 it increased
significantly, it was influenced by the decreased of provided credit and the increased of interbank
assets account with the number of capital that is relatively unchanged. So the managed fund which is
managed fund is less productive, and the Loan to Deposit Ratio is required to be improved since its
ratio is still under the fund that is collected in the liquid obligation.
Keywords: Banking Healthy Level Analysis, CAMEL Analysis, Rural Bank (Bank Perkreditan
Rakyat).