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Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode CAMELS pada PT. Bank Pembangunan Daerah Jambi Periode 2015-2019

Mathematical Sciences and Applications Journal · Vol. 4 No. 1 (2023) · hlm. 21–32

DOI
10.22437/msa.v4i1.28304
ISSN
2988-6481
Terbit
2023-10-31
Penerbit
Department of Mathematics, Faculty of Science and Technology Universitas Jambi
Bahasa
en

Abstrak

The structured and integrated management of economic resources has a significant impact on a nation's economic growth. Banks, as crucial financial institutions, play a pivotal role in the stewardship of these economic resources. This article delves into an analysis of the banking health level using the CAMELS method for PT. Bank Pembangunan Daerah Jambi during the period from 2015 to 2019. The CAMELS method is employed to evaluate the bank's health across various indicators, encompassing Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. This assessment holds paramount importance given the micro and macro economics ramifications that banks exert on the economy. The analysis reveals that PT. Bank Pembangunan Daerah Jambi during the aforementioned period falls within the "Healthy" category based on CAMELS ratios. The Capital Adequacy Ratio (CAR) consistently exceeds 8%, and asset quality (Kualitas Aktiva Produktif - KAP) remains in a favorable category. The bank's management displays robust performance, with a commendable Net Profit Margin (NPM). Furthermore, the Return on Assets (ROA) also demonstrates a commendable performance. The bank maintains adequate liquidity with an appropriate Loan-to-Deposit Ratio (LDR). This analysis aids in assessing the bank's health and provides a deeper understanding of how it manages resources and risks. Consequently, PT. Bank Pembangunan Daerah Jambi appears to exhibit solid performance during this period, contributing to the economic stability of Jambi Province.

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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/msa/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode CAMELS pada PT. Bank Pembangunan Daerah Jambi Periode 2015-2019</dc:title>
	<dc:creator xml:lang="en">Agustina, Ellys</dc:creator>
	<dc:creator xml:lang="en">Jiblathar, Panji</dc:creator>
	<dc:subject xml:lang="en">Economic resource management</dc:subject>
	<dc:subject xml:lang="en">BPD Jambi</dc:subject>
	<dc:subject xml:lang="en">Bank health analysis</dc:subject>
	<dc:subject xml:lang="en">CAMELS</dc:subject>
	<dc:subject xml:lang="en">Economic growth</dc:subject>
	<dc:description xml:lang="en">The structured and integrated management of economic resources has a significant impact on a nation's economic growth. Banks, as crucial financial institutions, play a pivotal role in the stewardship of these economic resources. This article delves into an analysis of the banking health level using the CAMELS method for PT. Bank Pembangunan Daerah Jambi during the period from 2015 to 2019. The CAMELS method is employed to evaluate the bank's health across various indicators, encompassing Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. This assessment holds paramount importance given the micro and macro economics ramifications that banks exert on the economy. The analysis reveals that PT. Bank Pembangunan Daerah Jambi during the aforementioned period falls within the "Healthy" category based on CAMELS ratios. The Capital Adequacy Ratio (CAR) consistently exceeds 8%, and asset quality (Kualitas Aktiva Produktif - KAP) remains in a favorable category. The bank's management displays robust performance, with a commendable Net Profit Margin (NPM). Furthermore, the Return on Assets (ROA) also demonstrates a commendable performance. The bank maintains adequate liquidity with an appropriate Loan-to-Deposit Ratio (LDR). This analysis aids in assessing the bank's health and provides a deeper understanding of how it manages resources and risks. Consequently, PT. Bank Pembangunan Daerah Jambi appears to exhibit solid performance during this period, contributing to the economic stability of Jambi Province.</dc:description>
	<dc:publisher xml:lang="en">Department of Mathematics, Faculty of Science and Technology Universitas Jambi</dc:publisher>
	<dc:date>2023-10-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/msa/article/view/28304</dc:identifier>
	<dc:identifier>10.22437/msa.v4i1.28304</dc:identifier>
	<dc:source xml:lang="en">Mathematical Sciences and Applications Journal; Vol. 4 No. 1 (2023): Mathematical Sciences and Applications Journal; 21-32</dc:source>
	<dc:source>2988-6481</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/msa/article/view/28304/16613</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2023 Mathematical Sciences and Applications Journal</dc:rights>
</oai_dc:dc>