Analisis Pengaruh Rasio Camel Terhadap Kesulitan Keuangan pada Bank Perkreditan Rakyat di Kepulauan Riau

Suvenny, Decty (2020) Analisis Pengaruh Rasio Camel Terhadap Kesulitan Keuangan pada Bank Perkreditan Rakyat di Kepulauan Riau. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini menginvestigasi hubungan antara rasio-rasio yang tercakup dalam CAMEL dengan kesulitan keuangan. Penelitian ini menggunakan data panel dengan 38 BPR di Kepulauan Riau yang fokus pada sektor mikro. Sebanyak 190 data observasi diperoleh dari laporan publikasi pada situs Otoritas Jasa Keuangan. Proxy CAMEL terdiri dari rasio permodalan, kualitas aset, manajemen, rentabilitas, dan likuiditas. Kesulitan keuangan merupakan variable dependen, dengan capital adequacy ratio, kredit bermasalah, kualitas aset produktif, return on assets, business per employee, profit per employee, biaya operasional pendapatan operasional, operating profit margin, net interest margin, loans to deposit ratio, dan likuiditas dijadikan variabel independen. Hasil dari penelitian ini menunjukkan bahwa capital adequacy ratio, kredit bermasalah, return on assets, operating profit margin, dan likuiditas berpengaruh signifikan positif sedangkan kualitas aset produktif berpengaruh signifikan negatif terhadap kesulitan keuangan. Variabel business per employee, profit per employee, biaya operasional pendapatan operasional, net interest margin, loan to deposit ratio tidak berpengaruh signifikan terhadap kesulitan keuangan. ********************************************************************** This research investigates the relationship between ratios covered by CAMEL and financial difficulties. This research uses panel data with 38 rural banks in Riau Islands with a focus on micro sector. A total of 190 observational data were obtained from publication reports on the Financial Services Authority website. CAMEL proxy consists of capital ratio, asset quality, management, profitability and liquidity. Financial difficulties are the dependent variable, while capital adequacy ratio, non-performing loans, productive asset quality, return on assets, business per employee, profit per employee, operating costs, operating profit margins, net interest margins, loans to deposit ratio and liquidity are all independent variables. The result of this research indicates that the capital adequacy ratio, problem loans, return on assets, operating profit margin and liquidity have a significant positive effect while the quality of productive assets has a significant negative effect on financial difficulties. Variable business per employee, profit per employee, profit per employee, operational costs, operating income, net interest margin and loan to deposit ratio have no significant effect on financial difficulties.

Item Type: Thesis (Undergraduate)
Additional Information: Similarity: 22
Uncontrolled Keywords: CAMEL, Financial Difficulties.
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HF Commerce > HF5601 Accounting
H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: School of Economic and Business > Accounting
SWORD Depositor: Admin Repository Universitas Internasional Batam
Depositing User: Admin Repository Universitas Internasional Batam
Date Deposited: 27 Apr 2020 08:58
Last Modified: 02 Oct 2020 03:04
URI: http://repository.uib.ac.id/id/eprint/2207

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