MENGUKUR TINGKAT KESEHATAN BANK MELALUI ANALISIS RASIO KEUANGAN DENGAN MENGGUNAKAN METODE ORDINAL LOGISTIC REGRESSION

Abstract

The purpose of this study was to determine whether the financial ratios were significantly able to explain the performance of the bank, and at the same time be a predictor of the health of banks. The method used is a literature review of 30 bank financial statements, which consist of the Balance Sheet, Income Statement. Financial Statements provide secondary data to calculate the ratio of financial ratios, known as CAMEL concept, which can be used to measure the health of banks. The data is then processed through a computer program SPSS (Statistics Product and Service Solutions) to obtain test results and analysis via ordinal method with the method of Stepwise Logistic Regression. These results indicate that the health of banks can be explained or predicted by financial ratios (Leverage Management) of 54.6%.
Keywords: Soundness of banks, Financial Ratio Analysis, Camel