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    Aktiva Iain-Iain 100% Nilai Max. 25, Jadi Nilainya

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    Yogi Anggara
    This document analyzes the financial health of Bayung Gede Village Credit Institution based on its report dated October 31, 2018. [1] The capital adequacy ratio (CAR) is 51.48%, above the minimum requirement of 12%. [2] Asset quality is assessed, with the non-performing loan ratio at 18.57% and reserves covering 103.52% of required reserves. [3] Overall financial health as measured by the CAMEL rating system is assessed as "sufficiently healthy" with a rating of 74.38.

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    Aktiva Iain-Iain 100% Nilai Max. 25, Jadi Nilainya

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    Yogi Anggara
    37 views11 pages
    This document analyzes the financial health of Bayung Gede Village Credit Institution based on its report dated October 31, 2018. [1] The capital adequacy ratio (CAR) is 51.48%, above the minimum requirement of 12%. [2] Asset quality is assessed, with the non-performing loan ratio at 18.57% and reserves covering 103.52% of required reserves. [3] Overall financial health as measured by the CAMEL rating system is assessed as "sufficiently healthy" with a rating of 74.38.

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    This document analyzes the financial health of Bayung Gede Village Credit Institution based on its report dated October 31, 2018. [1] The capital adequacy ratio (CAR) is 51.48%, above the minimum requirement of 12%. [2] Asset quality is assessed, with the non-performing loan ratio at 18.57% and reserves covering 103.52% of required reserves. [3] Overall financial health as measured by the CAMEL rating system is assessed as "sufficiently healthy" with a rating of 74.38.

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    37 views11 pages

    Aktiva Iain-Iain 100% Nilai Max. 25, Jadi Nilainya

    Uploaded by

    Yogi Anggara
    This document analyzes the financial health of Bayung Gede Village Credit Institution based on its report dated October 31, 2018. [1] The capital adequacy ratio (CAR) is 51.48%, above the minimum requirement of 12%. [2] Asset quality is assessed, with the non-performing loan ratio at 18.57% and reserves covering 103.52% of required reserves. [3] Overall financial health as measured by the CAMEL rating system is assessed as "sufficiently healthy" with a rating of 74.38.

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    of 11

    LEMBAGA PERKREDITAN

    DESA LPO DESA ADAT LAPORAN ANALISA KESEHATAN BANK


    BAYUNG GEDE
    TANGGAL : 31/10/2018
    CAPITAL (CAR) Modal
    Inti .
    Modal Disetor/Moda1 Dasar 8.767.441,00 Cadangan 1-rnurn
    5.008.783.714,60 u. Laba Tahun La lu
    Laba Tahun Berjalan 412.166.557,66
    5.429.717.713,26
    Modal Pelengkap .
    Cad. CPRR Pen Mals . Aktiva & Inventaris 310.949.320, 75 n.
    1,25% x ATMR 1.176.339.610,00 Modai Titipan Desa
    Pakraman 277.354.066,09
    ATMR :
    Antar Bank Aktiva
    pinjaman diberikan Nilai Kesehatan
    Har-ga perolehan 100% Nilai Max. 25, jadi Nilainya
    Aktiva Iain-Iain 100%
    1.764.642.996,84
    Rasio CAR
    1.379.189.190.82
    12.517.623.220,00
    57.681.520,25
    21.678.000,00

    13.976.171.931,07
    Nilai CAR
    Modal Inti + Modal pelengkap x 100
    ATMR
    5.429.717.713,26 +
    1.764.642.996,84

    x 100
    13.976.171.931,07
    51.48
    Rasio CAR - 12
    81
    0.1
    51.4
    8-
    12
    81 +
    0.1
    475.76

    475.76 . 100 x 25
    118.94
    25.00
    a. Klasifikasi Pinjaman
    ø. Lancar ø.
    Kurang Lancar
    Di ragukan 1.050.939.800,00 ø. uacet1.169.118.750,00
    105.000.000,00
    2.325.058.550,00
    Aktiva produkti f
    ø. pinjaman diberikan 12.517.623.220,00

    12.517.623.220,00
    Rasio Aktiva yang
    diklasifikasikan
    x 100
    Aktiva produktif
    2.325.058.550,00
    x 100
    12.517.623.220,00
    18.57
    - ( 20 - 18.57) : 0,05
    Nilai KAP 9.50
    Ni ai Kesehatan 9.50 : 100 x 25
    Ni lai Max. 25, 'adi Nilainya 2.38
    2.38
    CPPR yang Dibentuk •
    1.176.339.610,00

    1.176.339.610,00
    CPPR Yang Wajib Dibentuk u. Lancar 0.5% 41.742.526,10 • .
    Kurang Lancar 210.187.960,00
    ø. Di ragukan SOX 779.412.500,00
    n. Macet 100* 105.000.000.00

    1.136.342.986,10

    Ras io Dibentuk CPRR yang


    100
    CPRR yang wajib dibentuk
    1.176.339.610,00 x 100
    1.136.342.986,10
    103.52
    Ni lai CPRR 103.52 x 10
    103 . 52
    103.52 100 x 10
    Ni lai Kesehatan
    10.35
    Ni lai Max. IO, Jadi Nilainya = 10.00
    Nilai Manajemen 70.00
    Nilai Kesehatan 7.00

    Rata-Rata Asset 19.553.135.887,37


    Laba Tahun Berjalan 824.333.115,31
    Rasio ROA Laba Berjalan
    x
    100
    Rata-Rata Aktiva
    824.333.115,31
    x
    100
    19.553.135.887,37
    4.22
    Nilai ROA 4.22 : 0.025
    168.63
    Nilai Kesehatan 168.63 : 100 x 10
    16.86
    Nilai Max. 10, jadi Nilainya = 10.00
    Biaya operasional 1.134.408.536,38 a. pendapatan
    operasional 1.901.423.151,69

    Rasio Bi aya operasional


    x
    100 pendapatan operasional
    1.134.408.536,38
    x 100
    1.901.423.151,69
    59.66
    100 - 59.66
    Nilai BOPO
    0,25
    161.36
    Nilai Kesehatan 161.36 : 100 x 10
    16.14
    Nilai Max. 10, Jadi Nilainya = 10.00
    60.207.193,04

    . Depos to 5.395.945.954,08
    1.500.000.000,00
    6.956.153.147,12
    ø. Hutang Lancar
    -. Tabungan
    -. Deposito
    Kewajiban segera 8.367.676.440,37
    3.947.200.000,00
    277.354.066,09
    Rasio 12.592.230.506,46
    Kas + Antar
    Bank Aktiva
    Hutang Lancar x 100
    6.956.153.147,12

    12.592.230.506,46x 100

    Ni lai Kesehatan - 199.19 : 100 x


    Ni lai Max. 5, 'adi Nilainya s
    9.96
    5.00
    kviditas
    eank Aktiva
    NILAI CAMEL 74.38
    PREDIKAT CUKUP SEHAT
    55.24 : 0,05 -
    Nilai Kesehatan 1104.83
    - 1104.83 : 100 x 5
    Ni lai Max. 5, 'adi 55.24
    Nilainya 5.00

    ø. pinjaman yang diberikan


    Dana Diterima 12.517.623.220,00
    E. Modal Inti 12.592.230.506,46
    606.057.323,25
    Rasio pinjaman yang diberikan
    Dana diterima + modal Inti 100

    55.24
    Nilai Alat Likuiditas
    12.517.623.220,00
    12.592.230.506,46 + 12.517.623.220.00x 100
    65.20

    Ni lai LOR
    115 - 65.20 x 4
    199.19

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