Analysis of Bank Health on Profit Growth in New Normal Conditions with  CAMELS Method at BPR Syariah in East Java

Justita DURA; Fadilla  CAHYANINGTYAS

doi:10.38142/jtep.v1i2.110

Authors

Justita DURA Institut Teknologi dan Bisnis Asia, Indonesia
Fadilla CAHYANINGTYAS Asian Institute of Technology and Business, Indonesia

DOI:

https://doi.org/10.38142/jtep.v1i2.110

Keywords:

Bank Health Level, Profit Growth, Capital, Asset Quality, Management, Earning, Liquidity

Abstract

Assessment of various aspects that affect the performance of a bank through other factors, among others, Asset Quality, Management, Earning, Liquidity, and Sensitivity to Market Risk is the health of the bank. The purpose of this study was to determine the effect of bank health on new normal profit growth at BPR Syariah East Java in 2020. The research method used in this research is multiple linear regression analysis method. The type of data used in this study is quantitative and the data sources used are included in secondary data. The results of the study of capital have no influence on profit growth, asset quality has no influence on profit growth, management has no influence on profit growth, income has no influence on profit growth, liquidity has no influence on profit growth, and sensitivity to market risk has no influence on profit growth.

References

Agnes, Sawir. (2005). Financial Performance Analysis and Financial Planning. Jakarta: Pt Gramedia Pustaka.

Aji Permana, Bayu. (2012). Analysis of Bank Health Based on Camels Method and RGEC Method. Surabaya State University Bank Indonesia. 1998. Law no. 10 of 1998 concerning Change

Law No. 7 of 1992 concerning Banking. Jakarta.

_______. (2007). Bank Indonesia Regulation No. 9/1/Pbi/2007 About System Rating of Commercial Bank Health Based on Principles Sharia. Jakarta.

_______. (2007). Bank Indonesia Circular Letter No. 9/24/Dpbs/2007 To All Commercial Banks Conducting Business Activities Based on Sharia Principles. Jakarta.

_______. (2008). Indonesian Banking Accounting Guidelines. Jakarta.

_______. (2014). Sharia Banking Statistics.

Baridwan, Zaki. (2004). Intermediate Accounting. Eighth Edition. Yogyakarta: BPFE.

Budisantoso, T & Triandaru, S. (2006). Banks and Other Financial Institutions. Salemba Four: Jakarta.

Darma, I. K., & Saputra, K. A. K. (2021). Analysis Of The Potential Of Motor Vehicle Taxes And The Level Of Risk During The Covid-19 Pandemic To Increase Regional Income In Bali Province. Palarch’s Journal Of Archaeology Of Egypt/Egyptology, 18(7), 872–882.

Dendawijaya, Lukman. (2003). Banking Management. Jakarta: Ghalia Indonesia.

Ghozali, Imam & Chariri, Anis. (2006). Accounting Theory. Semarang: Diponegoro University Publishing Agency.

Hanafi, Mamduh M., & Halim, Abdil. (2008). Analysis of Financial Statements. Edition Third. Jakarta: ISBN Publisher.

Handoko, T. Hani. (2003). Management Edition 2. BPFE. Yogyakarta.

Hapsari, Nesti.(2005). Effect of Bank Health Level on Growth Future Profits In The Banking Sector Companies That Listed on the Jakarta Stock Exchange.

Ishmael. (2010). Bank Accounting, Theory, And Applications in Rupiah. Jakarta: Kencana Prenada Media Group. cashmere. 2012. Analysis of Financial Statements. Jakarta: Rajawali Press.

Jayawarsa, A. K., Wulandari, I. G. A. A., Saputra, K. A. K., & Saputri, N. M. M. D. (2021). Public Financial Deposits In State Owned Banks: From An Inflation Perspective And Bank Indonesia Interest Rates. International Journal of Business, Economics and Law, 24 (1), 105-112

Muhammad. (2005). Islamic Bank Management. Yogyakarta: UPP AMP YKPN

Katriani, R. & Dewi, A. (2018). Analysis of Bank Health Level and Profit Growth In Banking Sector Companies In Indonesia. KBP Journal

Lubis, Anisah. (2013). The Effect of Bank Health on Profit Growth At BPR In Indonesia. Journal of Economics and Finance Vol. 1, No.4, February 2013. 27-37

Maheasy & Oswari. (2020). The Influence Of Capital Adequacy Ratio, Bopo, Loan To Deposits Ratio And Net Profit Margin On Profit Growth (Case Study On Banking Companies Listed In Indonesia Stock Exchange Period (2014-2018). Jurnal Internasional.Vol. 3 August 12-21

Mursyidan, P. & Hanantijo, D. (2016). The Effect of Bank Health on Profit Growth. Perbanas. 112-129

Pracoyo, A., & Putriyanti, D. (2016). Assessment Of Bank Health Level Towards Profit Growth. Journal of Management Science & Economics Vol. 8, No. 2, June 2016.

Ratna, Nungky. (2014). The Effect of Bank Health on Change Profit (Study on Islamic Banks in Indonesia 2010-2012). Journal Economics and Business Universitas Brawijaya, Vol. 2, No. 2.

Rivai, Veithzal. (2007). Bank And Financial Institution Management, Conventional And Sharia System. Jakarta: Pt Raja Grafindo Persada.

Triandaru, Sigit & Budisantoso, Totok. (2007). Banks and Financial Institutions Other. Second Edition. Jakarta: Four Salemba.

Saputra, K. A. K., Subroto, B., Rahman, A. F., & Saraswati, E. (2020). Issues of morality and whistleblowing in short prevention accounting. International Journal of Innovation, Creativity and Change, 12(3), 77–88.

Sara, I. M., Saputra, K. A. K., & Jayawarsa, A. A. K. (2020). Regulatory Impact Assessment Analysis In Traditional Village Regulations As Strengthening Culture In Bali. International Journal of Environmental, Sustainability, and Social Sciences, 1(3), 16–23.

Siamat, Dahlan. (2005). Management of Financial Institutions. “Monetary Policy and Banking”, Jakarta : Faculty of Economics, University of Indonesia, First Edition.

Soemarso. (2005). Accounting An Introduction. Revised Edition, Jakarta: Salemba Empat.

Suradireja, A., & Rikumahu, B. (2016). Analysis The Influence Of Npl, Ldr, Independent Commissioner Proportion, Nim, Car Ratio Towards Profit Growth Of Bank J Trust Indonesia In 2009-2014 Based On Risk-Based Bank Rating Approach. E-Proceeding Of Management : Vol.3, No.1 April 2016.

Suteja. J., & Sidiq. I. (2010). Analysis of Bank Performance Using Camels Method to Measure Bank Health on Profit Growth. Vol. 3 No. 1, February 2010. 1-12

Thompson Ronald, Christopher A., & Howell Jane. (1991). Personal Computing: Toward A Conceptual Model Of Utilization. Miss Quarterly.

Triyuwono, Iwan. (2011). Angels: Bank Health Rating System Sharia. Journal of Multiparadigm Accounting Universitas Brawijaya, Vol 2, No. 1.

Yulianto, A. & Sulistyowati, W. (2012). Analysis of Camels in Predicting the Health of Banks Listed on the Indonesia Stock Exchange for the Period of 2009 – 2011. Media Ekonomi & Information Technology Vol. 19 No. March 1, 2012 : 35–49