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All Journal JURNAL ECONOMIA Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics)
Shofaun Nada
Himpunan Ilmuwan dan Sarjana Syariah Indonesia (HISSI)
Religion Economics, Econometrics & Finance Social Sciences

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Penerapan Metode Multiple Discriminant Analysis untuk Mengukur Tingkat Kesehatan yang Mengindikasikan Gejala Financial Distress pada Bank Umum Syariah Nada, Shofaun
Al-Iqtishad: Journal of Islamic Economics Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v5i2.2119

Abstract

This research aims to account, analyse, and compare the level of Islamic commercial banks health using CAMELS method mentioned in PBI No. 9/1/PBI/2007 and SEBI No. 9/24/DPBs/2007, and using multiple discriminant analysis (MDA) altman z-score method. There are only four from six factors that used in CAMELS: capital, asset, earning, and liquidity excluding management and sensivity of market risk factor. The variables of capital factors are KPMM and ECR ratio. Asset factor consist of KAP and NPF ratio. Earning factor contains four ratios, such as NOM, ROA, ROE, and REO.DOI: 10.15408/aiq.v5i2.2119
PENGUKURAN TINGKAT KESEHATAN DAN GEJALA FINANCIAL DISTRESS BANK UMUM SYARIAH Hosen, Muhamad Nadratuzzaman; Nada, Shofaun
Jurnal Economia Vol 9, No 2: October 2013
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (287.29 KB) | DOI: 10.21831/economia.v9i2.1811

Abstract

Abstrak: Pengukuran Tingkat Kesehatan dan Gejala Financial Distress Bank Umum Syariah. Penelitian ini bertujuan untuk mengukur, menganalisis serta membandingkan tingkat kesehatan Bank Umum Syariah (BUS) dengan menggunakan metode CAMELS dan metode Multiple ECR. Faktor asset terdiri dari rasio KAP dan NPF, faktor earning mencakup rasio NOM, ROA, ROE dan REO serta faktor terakhir liquidity mencakup rasio STM dan STMP. Sedangkan pada Multiple Discriminant Analysis (MDA) Altman Z-score. Berdasarkan hasil analisis dengan CAMEL ditemukan bahwa ketiga bank syariah yang diteliti tergolong sehat, namun demikian hasil MDA menyatakan ketiga bank tersebut dalam kondisi bankrut. Temuan yang bertentangan tersebut menunjukkan bahwa metode MDA ternyata tidak tepat untuk diterapkan pada perbankan karena karakteristik perbankan sebagai financial intermediatory jauh berbeda dengan karakteristik perusahaan.   Kata kunci: kesehatan bank, CAMELS, financial distress Abstract: Measurement of Financial Soundness and Financial Distress Symptom of Commercial Bank. This study aims to measure, analyze and compare the level of Islamic Banks (BUS) soundness using the CAMELS and the Multiple ECR method. The results of the CAMEL analysis show that the three Islamic banks studied are healthy. However, the results of the MDA analysis suggest that those three banks are categorized bankrupt. This conflicting finding indicates that MDA method is not appropriate to assess commercial banks. This is because the natures of commercial bank as a financial intermediary are much different from those of the company. Keywords:  Bank Soundness, CAMELS, financial distress
Penerapan Metode Multiple Discriminant Analysis untuk Mengukur Tingkat Kesehatan yang Mengindikasikan Gejala Financial Distress pada Bank Umum Syariah Nada, Shofaun
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 2 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v5i2.2566

Abstract

This research aims to account, analyse and compare the level ofIslamic commercial bank’s health using CAMELS method mentioned in PBI No.9/1/PBI/2007 and SEBI No 9/24/DPbS/2007 and using multiple discriminant analysis (MDA) altman z-score method. There are only four of six factors that used in CAMELS: capital, asset, earning and liquidity excluding Management and Sensitivity of Market Risk factor. The variables of capital factors are KPMM and ECR ratio. Asset factor consist of KAP and NPF ratio. Earning factor contains four ratios, such as NOM, ROA, ROE and REODOI: 10.15408/aiq.v5i2.2566
Co-Authors Muhamad Nadratuzzaman Hosen