Analisis CAMEL Pada Financial Distress Bank di Indonesia

Abstract

The purpose of this research is to analyze bank financial ratio if affect spread based that give impact to financial distress that affect the health from a bank. The variables which used are 4 financial ratios, CAR, NPL, NIM and LDR. The data of this research involve 30 banks from 1997 until 2008. The method whis is used to test the research hipotesis is linear regression The result from the linear regression shows that CAR, NPL, NIM and LDR significantly affect the probability of spread based that affect the financial distress in Indonesia at α = 5%, the coefficient sign for CAR, NPL, NIM are positive, for LDR is negative.