Analisis Perbandingan Tingkat Kesehatan Bank Berdasarkan Risk Profile, Good Corporate Governance, Earning Dan Capital (Rgec) Pada Bank Konvensional Bumn Dan Swasta (Studi Pada Bank Umum Milik Negara D

Ramadhany, AdindaPutri (2015) Analisis Perbandingan Tingkat Kesehatan Bank Berdasarkan Risk Profile, Good Corporate Governance, Earning Dan Capital (Rgec) Pada Bank Konvensional Bumn Dan Swasta (Studi Pada Bank Umum Milik Negara D. Sarjana thesis, Universitas Brawijaya.

Abstract

Kesehatan bank sangat diperlukan agar kepercayaan masyarakat terhadap industri perbankan tetap terjaga oleh karena itu, Bank Indonesia mengeluarkan kebijakan tentang penilaian kesehatan bank umum berdasarkan Peraturan Bank Indonesia No.13/1/PBI/2011 melalui pendekatan risiko yaitu Risk-based Bank Rating atau RBBR yang menilai empat faktor yang terdiri dari profil risiko (risk profile), Good Corporate Governance (GCG), rentabilitas (earnings), dan permodalan (capital) atau RGEC. Penelitian ini menggunakan ketiga faktor dari empat faktor yang ada yaitu profil risiko dengan mengukur risiko kredit menggunakan rasio Non Performing Loan (NPL) dan risiko likuiditas menggunakan rasio Loan to Deposit Ratio (LDR), faktor earnings (rentabilitas) menggunakan Return On Asset (ROA) dan Net Interest Margin (NIM) dan faktor capital (permodalan) menggunakan Capital Adequacy Ratio (CAR). Faktor GCG tidak digunakan karena penilaian GCG menyangkut dengan data internal atau kerahasiaan bank yang sebagian datanya tidak dapat diperoleh. Penelitian ini dilakukan terhadap empat bank BUMN dan 22 bank swasta nasional devisa yang menjadi sampel penelitian. Penelitian ini menunjukkan bahwa selama tahun 2011-2013, bank BUMN memperoleh peringkat komposit 1/kondisi bank secara umum sangat sehat sedangkan bank swasta nasional devisa memperoleh peringkat komposit 2/kondisi bank secara umum sehat. Tingkat kesehatan bank BUMN lebih baik daripada bank swasta nasional devisa dikarenakan nilai rata-rata ROA, NIM dan CAR yang dimiliki bank BUMN lebih besar nilainya dibandingkan dengan bank swasta nasional devisa meskipun nilai rata-rata NPL dan LDR bank swasta nasional devisa lebih kecil dibandingkan dengan bank BUMN. Nilai rata-rata ROA, NIM dan CAR bank BUMN yang lebih besar menunjukkan bahwa bank yang dimiliki pemerintah berusaha menjaga perolehan laba sebelum pajak dan pendapatan bunga bersih serta kecukupan modal yang dimiliki untuk menjaga kelangsungan kegiatan operasional bank sedangkan dilihat dari rasio NPL dan LDR, bank swasta nasional devisa cenderung menjaga risiko kredit dan likuiditasnya agar tetap rendah.

English Abstract

Bank health is necessary for public confidence in the banking industry remains awake therefore, Bank Indonesia issued a policy on assessment of the health of commercial banks based on Bank Indonesia Regulation No. 13/1/PBI/2011 through an approach based on risk that is Risk-based Bank Rating or RBBR the assesses four factors which consists of the risk profile, Good Corporate Governance (GCG), earnings, and capital or RGEC. This study uses three factors of the four factors that there is a risk profile by measuring credit risk using the ratio of Non Performing Loans (NPL) and liquidity risk using the ratio of Loan to Deposit Ratio (LDR), factor earnings using Return on Assets (ROA) and Net Interest Margin (NIM) and capital factors using the Capital Adequacy Ratio (CAR). Factors GCG not be used for assessment concerning the internal data or bank secrecy that most data can not be obtained. This research was conducted on the four state-owned banks and 22 private bank national foreign exchange into the study sample. This study shows that during the years 2011-2013, the state-owned bank received ratings of composite 1 / condition of banks in general are very healthy while private bank national foreign exchange gain composite rating 2 / conditions generally healthy banks. Health level state-owned banks are better than private bank national foreign exchange due to the average value of ROA, NIM and CAR are owned state bank of greater value compared with private bank national foreign exchange although the average value of the NPL and LDR foreign private banks smaller than the state-owned banks. The average value of ROA, NIM and CAR state-owned banks larger shows that the banks are owned by the government trying to keep the profit before tax and net interest income as well as capital adequacy held to sustain the operations of the bank while viewed from the NPL and LDR ratio, private bank national foreign exchange tends to keep the credit risk and liquidity to remain low.

Item Type:	Thesis (Sarjana)
Identification Number:	SKR/FIA/2015/234/ 051503791
Subjects:	600 Technology (Applied sciences) > 658 General management
Divisions:	Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga
Depositing User:	Kustati
Date Deposited:	02 Jul 2015 09:51
Last Modified:	29 Jul 2022 03:24
URI:	http://repository.ub.ac.id/id/eprint/117267

Text ADINDA PUTRI RAMADHANY.pdf Download (7MB)

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