Hamolin, Theresia Vania (2018) Analisis Tingkat Kesehatan Bank Berdasarkan Metode Risk Based Bank Rating (Studi Pada Bank Umum Konvensional Di Indonesia Periode 2014-2016). Sarjana thesis, Universitas Brawijaya.
Abstract
Sektor perbankan merukan sektor yang rentan terpengaruhi oleh keadaan perekonomian baik global maupun nasional.harus tetap menjaga eksistensinya dalam menjadi lembaga kepercayaan. Kepercayaan dari masyarakat yang menanamkan uangnya ke bank dapat dilihat dari tingkat kesehatan bank tersebut.Penilaian Tingkat Kesehatan Bank Umum diatur dalam POJK No.4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank Umum. Penilaian tingkat kesehatan bank ini menggunakan metode Risk Based Bank Rating yang berbasis risiko. Metode ini terdiri dari empat faktor yaitu profil risiko, rentabilitas, permodalan, dan Good Corporate Governance. Metode penelitian yang digunakan dalam penelitian ini adalahpenelitian deskriptif dengan pendekatan kuantitatif. Penelitian ini menggunakan data sekunder yang diperoleh dari website resmi dari masing-masing bank yang menjadi sampel penelitian. Populasi yang digunakan dalam penelitian ini berjumlah 42 bank umum konvensional di Indonesia. Sampel yang digunakan dalam penelitian berjumlah 28 bank umum konvensional di Indonesia yang diperoleh melalui metode pengambilan sampel purposive sampling. Hasil penelitian menunjukkan bahwa kondisi profil risiko bank yang diteliti berdasarkan rasio NPL mayoritas dalam kondisi baik, terdapat 16 bank yang memiliki peringkat 2 dengan predikat “Baik”. Berdasarkan kondisi GCG, penilaian self assessment GCG dari bank yang diteliti mayoritas dalam kondisi baik 23 bank lainnya memiliki peringkat tata kelola terintegrasi 2 dengan predikat “Baik”. Kondisi rentabilitas bank yang diteliti berdasarkan rasio ROA mayoritas dalam kondisi sangat baik, terdapat 12 bank yang memiliki peringkat 1 dengan “Sangat Baik”. Berdasarkan rasio NIM mayoritas bank yang diteliti dalam kondisi sangat baik, terdapat 25 bank mendapatkan peringkat 1 dengan predikat “Sangat Baik”. Kondisi permodalanbank yang diteliti berdasarkan rasio CAR, keseluruhan bank yang berjumlah 28 bank memiliki peringkat 1 dengan predikat “Sangat Baik”. Berdasarkan hasil penilaian selutuh faktor, bank yang memiliki peringkat komposit 1 dengan predikat “Sangat Sehat” dan direkomendasikan oleh peneliti adalah Bank Central Asia Tbk dan Bank Rakyat Indonesia Tbk.
English Abstract
The banking sector is a vulnerable sector affected by both global and national economic conditions. As a trusted institution, bank has to maintain their performance. The form of trust from the customers, can be seen from the bank health level. In Indonesia assessment of bank health level was arranged in POJK No.4/POJK.03/2016 by Indonesia Financial Service Authority (OJK) using Risk Based Bank Rating method. This method consists four factors, such as risk profile, profitability, capital, and good corporate governance. The research method used in this research is descriptive method with quantitative approach. This study used secondary data obtained the official website of each bank that became the sample of this research. The population using in this research is 42 commercial banks in Indonesia. And the samples is 28 commercial banks in Indonesia that obtained through purposive sampling method. The results showed that the most bank’s risk profile factor based on NPL ratio was in good condition, there were 16 banks in 2nd rank withthe "Good" predicate. Based on Good Corporate Governance conditions, the most of bank’s Good Corporate Governanceself assessmentwas in good condition, there were 23 banks in2nd rank with the "Good" predicate. Condition of the most banks rentability factor based on ROA ratio was in excellent condition, there were 12 banks in the 1st rank with the "Very Good" predicate. Condition of the most banks rentability factor based on NIM ratio was in excellent condition, there were 25 banks that has 1st rank with the "Very Good" predicate. Condition of the banks capital factor based on the CAR ratio, the whole 28 banks were in the 1st rank with the "Very Good" predicate. Based on the result from the assessment of all factors, Bank Central Asia Tbk and Bank Rakyat Indonesia Tbk was recommended by the researcher, because they got the 1st rank in all the factors, and theirs composite bank health rating was in the 1st rank with the "Very Healthy" bank predicate.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2018/150/051803444 |
| Uncontrolled Keywords: | RBBR, Tingkat Kesehatan Bank |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.1 Banks |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Yusuf Dwi N. |
| Date Deposited: | 03 May 2018 02:33 |
| Last Modified: | 26 Oct 2021 05:38 |
| URI: | http://repository.ub.ac.id/id/eprint/10152 |
Preview |
Text
BAB V.pdf Download (100kB) | Preview |
Preview |
Text
BAGIAN DEPAN.pdf Download (782kB) | Preview |
Preview |
Text
BAB II.pdf Download (807kB) | Preview |
![[thumbnail of LAMPIRAN.pdf]](http://repository.ub.ac.id/style/images/fileicons/text.png) |
Text
LAMPIRAN.pdf Download (1MB) |
Preview |
Text
BAB I.pdf Download (166kB) | Preview |
Preview |
Text
DAFTAR PUSTAKA.pdf Download (98kB) | Preview |
Preview |
Text
BAB III.pdf Download (680kB) | Preview |
Preview |
Text
BAB IV.pdf Download (516kB) | Preview |
Actions (login required)
 |
View Item |