Analisis Tingkat Kesehatan Bank Perkreditan Rakyat (BPR) Se-Kabupaten Bangli Sebelum Dan Sesudah Diberlakukannya Pembatasan Sosial Berskala Besar (PSBB) Menggunakan Metode  Capital Assets Managements Earnings Liquidity (CAMEL)

Putu Risa Agustina

doi:10.32795/hak.v5i1.4472

Putu Risa Agustina Universitas Hindu Indonesia

DOI: https://doi.org/10.32795/hak.v5i1.4472

Keywords: CAMEL, Bank Soundness Level

Abstract

This research aims to determine the level of difference in the health of Rural Banks (BPR) throughout Bangli Regency before the implementation of the PSBB and after the implementation of the PSBB. The population in this research is all BPRs in Bangli Regency and the sample in this research is all BPRs in Bangli Regency, namely BPR Regional Bank Bangli (Perseroda), BPR Kintamani Perdana and BPR Mitra Bali Muktijaya Mandiri. The data analysis technique used is the Paired Sample T-Test. The results of the analysis show that there are several ratios that experience differences, the ratios that experience significant differences are the CAR, KAP and LDR ratios and the ratios that do not experience significant differences are the NPM and ROA ratios, the reason there are no significant changes is because before pandemic 19 Bank health levels are still below standard and the Covid-19 pandemic has not had any impact because the bank health level is already below the specified standards. The advice that researchers can give is to maintain the bank's health level using the CAMEL method so that there are no ratio levels that are below reasonable limits, because of the unpredictable time of the Covid-19 pandemic.

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