ANALISIS PENGARUH RASIO CAMEL DALAM MEMPREDIKSI FINANCIAL DISTRESS PERBANKAN INDONESIA
Abstract: This research aims
to analyze the effect of the CAMEL ratio to predict Indonesian Banks’s
financial distress. The CAMEL ratio consist of CAR (capital adequacy ratio), NPL
(non performing loan), ROA (return on asset), ROE (return on equity), LDR (loan
to deposit ratio), and BOPO (operating expense to operating income). The sample
of this research was extracted using purposive sampling method, comprising 120
banks taken from Infobank magazine for the period of 2009, 2010, 2011, 2012.
From sample, there are 85 banks, consist of 80 nontrouble banks and 5 trouble
banks. The statistic methods used to analyze the hypothesis of this research is
logistic regression. The resulst of this research show that CAR, NPL, ROA, and
ROE have no significant effect on probability of banks’s financial distress. LDR and BOPO have
significant influences on probability of banks’s financial distress.
Penulis: Christiana
Kurniasari, Imam Ghozali
Kode Jurnal: jpakuntansidd131091
