ANALISIS RASIO CAMEL PADA PT. BANK PEMBIAYAAN RAKYAT SYARIAH RAHMAH HIJRAH AGUNG KOTA LHOKSEUMAWE DAN PT. BANK PERKREDITAN RAKYAT SABEE MEUSAMPE KABUPATEN ACEH UTARA TAHUN 2015-2016

Abstract

The purpose of this study is to determine the soundness of banks in PT. Bank
Pembiayaan Rakyat Syariah (BPRS) Rahmah Hijrah Agung Kota Lhokseumawe and
PT. Bank Perkreditan Rakyat (BPR) Sabee meusampe using CAMEL ratio from 2015
to 2016, and to know how predicate bank performance in PT. Bank Pembiayaan
Rakyat Syariah (BPRS) Rahmah Hijrah Agung Kota Lhokseumawe and PT. Bank
Perkreditan Rakyat (BPR) Sabee Meusampe Kabupaten Aceh Utara Court from 2015
until 2016. the authors are interested in conducting research with the title “Ratio
Analysis CAMEL In the Bank Pembiayaan Rakyat Syariah (BPRS) Rahmah Hijrah
Agung Kota Lhokseumawe and PT. Bank Perkreditan Rakyat (BPR) Sabee Meusampe
Kabupaten Aceh Utara “. In this research method used is quantitative method such
as the numbers of the Balance Sheet, Profit / Loss Report, Report of Assets Quality,
and Capital Adequacy Reports. Qualitative research with descriptive approach to
measure the financial performance of banks to perform calculations using financial
ratios CAMEL (Capital, Assets, Managemet Earnings, and Liquidity). The results of
the assessment results of BPRS Rahmah Hijrah Agung and PT. Bank Perkreditan
Rakyat (BPR) Sabee Meusampe Kabupaten Aceh Utara Great move by using the
CAMEL from 2015 to 2016 received the title FAIR . Suggestions in this research is
to improve the quality of productive assets is a good idea if the BPRS RHA and BPR
Sabee Meusampe maintain or increase the number of PPAP formed so as to cover
risks that may arise if the velocity of earning assets less current and in line with
efforts to reduce the number of troubled loans, particularly those categorized bad
credit.