ANALISIS TINGKAT KESEHATAN BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DENGAN METODE CAMELS DAN RGEC

Lotus Mega Fortrania, Ulfi Kartika Oktaviana

Abstract


Banking should always be assessed health to stay fit in serving the customers,
the Bank that classified unhealthy can inflict the bank institution itself and of
the others, namely the customers of the bank. To assess a health bank can be
viewed from various aspects of assessment, this research aimed to determine
whether the bank is in a very healthy, healthy, healthy enough, less healthy or
unhealthy. There were several methods that can be used to assess or analyze
the health of the banking, namely CAMEL, CAMELS and RGEC. This research
was a quantitative research, with descriptive approach. The data used was
secondary data on 34 banking companies consisted of 11 companies of Syaria
public banks and 23 companies of Syaria business units. Analysis conducted
in this study was to use the calculation of financial ratios that have been set by
the financial services authority. The results showed that the health level of
Syaria public Bank and Syaria Business Unit with using CAMELS method and
RGEC showed health predicate of the bank in accordance with the standards
set by Bank Indonesia, for the period 2011 can be concluded that the Syaria
public Banks and Sharia Business Unit of composite rankings ”HEALT”, the
period of 2012 with the conclusion of composite rating ”HEALT”, and for the
period of 2013 with the conclusion of composite rating ”HEALT”. RGEC
method can be said to be better than in the two previous methods, namely
CAMELS and CAMEL, through RGEC, BI (Bank Indonesia) wanted banks to
be able to identify problems early, performed the appropriate and faster follow-up improvements, and implemented Good Corporate Governance (GCG) and
better risk management so banks will be more resilient in the face of crisis

Keywords


Bank Health, CAMELS and RGEC

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DOI: https://doi.org/10.18860/ed.v3i1.3341

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