ASHARI, ASHARI (2021) PENGARUH ANALISIS CAMEL TERHADAP RISIKO KREDIT DAN DAMPAKNYA PADA KINERJA BANK PERKREDITAN RAKYAT (Studi 29 Bank BPR di Kota Depok Tahun 2012-2016). S2 thesis, Universitas Mercu Buana Jakarta.
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Abstract
The role of Conventional Rural Banks (BPR) has become increasingly important in line with the Government's program to support and develop Micro Small Medium Enteprise (MSME) as one of the backbone of the economy. Therefore, the performance and health of BPR is very important to maintain the health of the banking sector.This research is intended to understand the health condition of BPR in Depok. The research objectives include: (1) Understanding the direct impact of Capital - Asset - Management - Earning and Liquidity (CAMEL) on Non Performing Loan (NPL); (2) Understanding the direct effect of CAMEL on Return on Asset (ROA); (3) Understanding the indirect effect of CAMEL on ROA through NPL; (4) Understand whether NPL mediates the effect of CAMEL on ROA. The research is quantitative with a causality design; involving 24 BPR in the city of Depok, for the period 2012-2016. The results of the study concluded that (1) CAMEL directly affects NPL; (2) CAMEL directly affects ROA; (3) CAMEL indirectly has no effect on ROA through NPL; (4) NPL does not significantly mediate the effect of CAMEL on ROA Keywords: bank health, credit risk, bank performance Peran Bank Perkreditan Rakyat konvensional (BPR) menjadi semakin penting sejalan dengan program Pemerintah untuk mendukung dan mengembangkan Usaha Mikro Kecil Menengah (UMKM) sebagai salah satu tulang punggung perekonomian. Oleh karena itu, kinerja dan kesehatan BPR menjadi sangat penting untuk menjaga kesehatan sektor perbankan. Penelitian ini dimaksudkan untuk memahami kondisi kesehatan BPR di Depok. Tujuan penelitian meliputi: (1) Memahami pengaruh langsung Capital - Asset - Management - Earning and Liquidity (CAMEL) terhadap Non Performing Loan (NPL); (2) Memahami pengaruh langsung CAMEL terhadap Return on Asset (ROA); (3) Memahami pengaruh tidak langsung CAMEL terhadap ROA melalui NPL; (4) Memahami apakah NPL memediasi pengaruh CAMEL terhadap ROA. Penelitian adalah kuantitatif dengan desain kausalitas; melibatkan 24 BPR di kota Depok, kurun waktu tahun 2012-2016. Hasil penelitian menyimpulkan bahwa (1) CAMEL secara langsung berpengaruh terhadap NPL; (2) CAMEL secara langsung berpengaruh terhadap ROA; (3) CAMEL secara tidak langsung tidak berpengaruh terhadap ROA melalui NPL; (4) NPL tidak signifikan memediasi pengaruh CAMEL terhadap ROA Kata kunci: Kesehatan bank, Risiko kredit, Kinerja bank
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