Analisis Rasio Camel terhadap Prediksi Kondisi Bermasalah pada Lembaga Perbankan periode 2001-2003

Abstract

This research has a purpose to provide emperical evidence about factors that affect bankruptcy and financial distress of bank. The examined factors on this research are CAMEL financial ratio. The samples consist of 12 banks which had not bankrupt, 3 banks bankrupt, and 3 banks which had financial distress. The selection for sample was using purposive sampling method from the population of directory Bank Indonesia. The research instrument used are One-Sample Kolmogorov-Smirnov, Independent Sample T-test, Mann Whitney-U, and Logistic Regression. The result show that CAMEL financial ratio (NIM and LDR) have significant affect to bankruptcy and financial distress, besides CAMEL financial ratio also had classification power to predict bankruptcy and financial distress banks. Keywords: Banks, bankruptcy, financial distress, CAMEL financial ratio.

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