Analisis Kinerja Keuangan dengan Menggunakan Rasio Camel (Capital, Asset, Management, Earning, Liquidity) pada PT. Bank Rakyat Indonesia Tbk.

Abstract

This study aims to analyze the financial performance of PT. Bank Rakyat Indonesia in 2014 - 2016 using the CAMEL ratio which includes aspects of capital, productive assets, management, earnings and liquidity. The type of research used by the author is descriptive research. Population and Sample in this study are financial statements for 2014-2016 in PT. Bank Rakyat Indonesia Tbk. The variables in this study are financial performance and CAMEL ratio. The type of data used in this study is quantitative data. The data sources used by researchers are secondary data. Data collection techniques used in this study are documentation and observation techniques. Data Analysis Techniques used by the researcher are descriptive and quantitative techniques. The results of the assessment of financial performance with CAMEL ratios which show that viewed from the aspect of capital owned by PT. Bank Rakyat Indonesia Tbk. it turns out to be above 8%, so PT. Bank Rakyat Indonesia Tbk. have sufficient capital to cover all risks arising from investing in productive assets that support risk. The results showed that the level of health of PT. Bank Rakyat Indonesia, Tbk. for 3 years namely the period 2014 - 2016 included in the healthy category. The results of the assessment of financial performance and its relation to the CAMEL ratio, it can be said that over the last 3 years (2014-2016) which shows that the financial performance achieved by PT. Bank Rakyat Indonesia Tbk. in a healthy predicate.