Analisis Penilaian Tingkat Kesehatan Pada Bank Central Asia (BCA) Syariah Berdasarkan Metode Camel (Studi Kasus Pada PT Bank BCA Syariah Periode 2015-2019)
Abstract
The financial condition of a financial institution is very important to maintain its health, as one way to maintain customer satisfaction and increase the number of investors. The purpose of this study was to determine the analysis of the soundness level assessment at Bank Central Asia (BCA) Syariah based on the CAMEL method at PT. Bank BCA Syariah Period 2015-2019. This research uses descriptive quantitative research methods. Sources of data needed in this study is to use secondary data. Based on the results of the discussion above, it can be concluded that the level of health of BCA Syariah for the 2015-2019 period based on capital received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations. The health level of BCA Syariah for the 2015-2019 period based on Assets (Quality of Earning Assets) received the title "Healthy", because the KAP value obtained was below 10.35%. The health level of BCA Syariah for the 2015-2019 period based on Management (Management) by assessing the level of NPM (Net Profit Margin) received the title "Sufficiently Healthy", because the NPM value obtained was in the range of 66%-80%. The health level of BCA Syariah for the 2015-2019 period is based on Earning (Rentability) using two ratios of ROA and BOPO. The 2015-2019 ROA was categorized as "Healthy Enough", because the ROA value obtained was in the range of 0.5%-1.24%. Meanwhile, the health level of the BOPO ratio for the 2015-2019 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. The health level of BCA Syariah for the 2015-2019 period based on Liquidity using the FDR (Finance to Deposit Ratio) ratio was obtained as "Sufficiently Healthy", because the FDR value obtained was in the range of 85%-100%. The health level of BCA Syariah in 2015-2019 using the CAMEL method is in the "Sufficiently Healthy" position. Because the CAMEL value obtained is in a position less than 81%, or in the 66%-80% range. This means that the bank is considered quite capable of dealing with significant negative effects from changes in business conditions, other external factors are reflected in the rating of the assessment factors, including risk profile, implementation of governance, profitability, and generally good capital.
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