Herry Laksito_abstract_1412010

MEMPREDIKSI  KESEHATAN BANK DENGAN RASIO CAMELS PADA BANK PERKREDITAN RAKYAT

Herry Laksito
Fakultas Ekonomi Universitas Diponegoro
Jl. Erlangga Tengah No.17 Semarang

Sutapa
Fakultas Ekonomi Universitas Islam Sultan Agung
Jl. Raya Kaligawe Km.04 Semarang

Korespondensi dengan Penulis:
Sutapa: Telp + 62 24 658 3548
E-mail: s_top70@yahoo.co.id

Abstract
The Research was empirically retest analyses financial performance under CAMELS ratios on degree of bank health. The research model was test financial statements under financial ratios on degree of bank health. The purpose of research was to analyze financial ratios such as Capitals, Assets, Management, Earnings, Liquidity and sensitivity on degree of bank health. The population was BPR residing in Pati Sub-Province. According to Statistic Center Board on 2006, there were 68 BPR residing in Pati Sub-Province. Selection of samples used purposive sampling with special characteristics suitable with research scopes. So, the samples of research are 61 Bank Perkreditan Rakyat. Tools of analyses used Regression Logistic. The result of research was from all CAMELS ratios which effect on degree of bank health,  Capital which was measured with CAR ratio had level of significance 0.011, Assets which was measured with Assets utilization ratio had level of significance  0.022, Management which was measured with OPM ratio had level of significance 0.009, and Earning which was measured with ROE ratio had level of significance 0.009.
Key words: CAR, Assets Utilization, OPM, ROE, degree of bank health

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