Analisis Kinerja Keuangan dengan Menggunakan Metode Camel pada Bank Syariah (X) dan Bank Konvensional (Z) Tahun 2009 – 2013

Abstract

This study aims to analyze the financial performance of syariah (X) Bank and Commercial (Z) Bank in the period 2009- 2013with method CAMEL. Finance ratio used consist of CAR, KAP, PPAP, NPM, ROA, BOPO, CR And LDR. Data used in this research obtained from financial statement of publicizing Indonesia Bank year 2009 till 2013 published by each banks. Sampel used in this research namely one Syariah X Bank and one Conventional Z Bank. The result of analysis which showed each finance ratio of between Bank Syariah X with the Conventional Z Bank in Indonesian. Based capital aspect showed Syariah X Bank better finance performance than conventional Z Bank. While based asset, earning (rentability), and liquidity factors showed that conventional Z Bank Better finance performance than Syariah X Bank.