ANALISIS BANK PERKREDITAN RAKYAT SEBAGAI SOLUSI KEUANGAN MASYARAKAT DI KABUPATEN LANGKAT
Keywords:
Capital, productive assets, management, profitability, liquidityAbstract
This research aims to analyze People's Credit Banks (BPR) as a community financial solution in Langkat Regency. The subjects in this research were the leadership, accounting department and operations department at BPR in Langkat Regency. The type of research is quantitative research with the data used are financial reports. Data collection techniques are interviews and documentation. Data analysis is CAMEL analysis which is used to assess the level of bank financial health based on capital, quality of productive assets, management, profitability and liquidity. The research results show that the level of bank financial health in terms of capital aspects in 2021, 2022 and 2023 is within healthy criteria. The ratio of classified productive assets to productive assets in 2021, 2022 and 2023 shows that the bank is in healthy criteria, while the Allowance for Losses of Productive Assets Formed in 2021 is included in unhealthy criteria, while in 2022 and 2023 the bank is in healthy criteria. The evaluation of management aspects in general management and risk management in 2021, 2022 and 2023 shows criteria that are unhealthy and quite healthy. The profitability aspect, namely ROA in 2021, 2022 and 2023, shows that the bank is in the healthy category, while BOPO in 2021, 2022 and 2023 is included in the healthy criteria. The liquidity aspect, namely the LDR in 2021, 2022 and 2023, is included in the healthy criteria, while the cash ratio in 2021, 2022 and 2023 is included in the healthy criteria. The growth in the level of financial health of banks at BPR Langkat 2021, 2022 and 2023 shows that the level of financial health is included in the healthy criteria.
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Indonesian Society of Applied Science (ISAS)
