Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk Profile, Earnings And Capital (Studi pada PT. Bank Mandiri (Persero) Tbk. Periode 2013–2016)

Hafidhin, Ryan (2018) Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk Profile, Earnings And Capital (Studi pada PT. Bank Mandiri (Persero) Tbk. Periode 2013–2016). Sarjana thesis, Universitas Brawijaya.

Abstract

Perbankan dalam menjalankan kegiatan usahanya membutuhkan kepercayaan dari masyarakat, karena itu adalah salah satu modal pokok perbankan. Kepercayaan masyarakat dapat ditumbuhkan apabila bank dalam keadaan sehat seperti yang termaktub dalam UU No. 7 Tahun 1992 Tentang Perbankan Sebagaimana telah diubah dengan UU No. 10 Tahun 1998 Pasal 30 (2). Menurut Surat Edaran (SE) Bank Indonesia No. 13/24/DPNP Tanggal 25 Oktober 2011 Tentang Penilaian Tingkat Kesehatan Bank Umum, diatur bahwa bank diwajibkan untuk melakukan penilaian sendiri (self assesment) Tingkat Kesehatan Bank dengan menggunakan pendekatan risiko (Risk-based Bank Rating/RBBR) baik secara individual maupun secara konsolidasi yang meliputi 4 (empat) faktor yaitu Risk Profile (Profil Risiko), Good Corporate Governance (GCG), Earning (Rentabilitas) dan Capital (Permodalan). Penelitian ini menggunakan 3 (tiga) faktor penilaian dalam menganalisis tingkat kesehatan bank, meliputi faktor Risk Profile (Profil Risiko) dengan rasio NPL dan LDR, faktor Earning (Rentabilitas) dengan rasio ROA dan NIM, faktor Capital (Permodalan) dengan rasio CAR. Faktor GCG tidak dianalisis karena menyangkut kerahasiaan bank. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian deskriptif dengan pendekatan kuantitatif. Lokasi penelitian dilakukan di PT Bank Mandiri (Persero) Tbk. yang tercatat pada Bursa Efek Indonesia (BEI). Hasil penelitian menunjukkan bahwa PT Bank Mandiri (Persero) Tbk. selaku Bank milik pemerintah yang memiliki aset terbesar, diukur berdasarkan rasio NPL, LDR, ROA, NIM dan CAR mendapatkan Peringkat Komposit 1 dengan predikat “sangat sehat”. Hal tersebut mencerminkan kondisi PT Bank Mandiri (Persero) Tbk. yang dinilai sangat mampu menghadapi pengaruh negatif yang signifikan dari perubahan kondisi bisnis dan faktor eksternal lainnya, namun apabila terjadi kelemahan maka dapat dikatakan secara umum kelemahan tersebut tidak signifikan.

English Abstract

Banking in operation needs the trust of the public, because it is one of the principal amount of banking. Public trust can be nurtured if the bank in a healthy state as stipulated in Law No. 7 of 1992 on Banking as amended by Act No. 10 of 1998, Article 30 (2). According to the Circular Letter (SE) Bank Indonesia No. 13/24 / DPNP Date October 25, 2011 About Assessment for Commercial Banks, stipulated that banks are required to conduct assessments (self-assessment) of the Bank using risk approach (Risk-based Bank Ratings / RBBR) both individually and on a consolidated basis which includes four (4) factors which Risk profile (Risk profile), Good Corporate Governance (GCG), Earning (Profitability) and Capital (Capital). This study uses three (3) the assessment factors in analyzing the health of banks, including factors Risk Profile (Risk Profile) with the NPL ratio and the LDR, Earning factors (profitability) with ROA and NIM, factors Capital (Capital) with CAR. GCG factors not analyzed because it involves the bank secrecy. The method used in this research is descriptive method with quantitative approach. Location of research conducted at PT Bank Mandiri (Persero) Tbk. listed on the Indonesia Stock Exchange (BEI). The results showed that PT Bank Mandiri (Persero) Tbk. as the governmentowned bank that has the greatest asset, measured by the ratio of NPL, LDR, ROA, NIM and CAR gain Composite Rating 1 with the title of "very healthy". It reflects the condition of PT Bank Mandiri (Persero) Tbk. which was considered very able to deal with a significant negative effect of changes in business conditions and other external factors, but in case of weakness in general it can be said that no significant weaknesses.

Item Type: Thesis (Sarjana)
Identification Number: SKR/FIA/2018/145/051803228
Uncontrolled Keywords: RGEC, Perbankan, Tingkat Kesehatan Bank
Subjects: 600 Technology (Applied sciences) > 658 General management > 658.8 Managemet of marketing
Divisions: Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga
Depositing User: Yusuf Dwi N.
Date Deposited: 07 May 2018 03:26
Last Modified: 26 Oct 2021 04:44
URI: http://repository.ub.ac.id/id/eprint/10280
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