Martiani, Santi (2018) Analisis Tingkat Kesehatan Bank Menggunakan Faktor Risk Profile, Good Corporate Governance, Earnings Dan Capital (RGEC) (Studi Pada Bank Umum Konvensional Dan Bank Umum Syariah Yang Terdaftar Di Otoritas Jasa Keuangan Periode 2014-2017). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini memiliki tujuan untuk mengetahui tingkat kesehatan bank umum konvensional dan bank umum syariah yang terdaftar di Otoritas Jasa Keuangan periode tahun 2014-2017. Penilaian tingkat kesehatan bank umum menggunakan factor Risk Profile, Good Corporate Governance, Earnings,dan Capital. Hal ini berdasarkan pada Surat Edaran Otoritas Jasa Keuangan Nomor 14/SEOJK.08/2017 serta SE BI No.13/24 /DPNP Tentang Penilaian Tingkat Kesehatan Bank Umum .Jenis penelitian ini adalah penelitian deskriptif. Teknik pengumpulan data dalam penelitian ini adalah teknik dokumentasi yang berupa laporan tahunan bank tahun 2014-2017. Sumber data pada penelitian ini adalah data sekunder. Penelitian ini menganalisis kesehatan bank umum konvensional dan bank umum syariah menggunakan 4 faktor yaitu factor profil risiko yang dinilai dari risiko kredit (rasio NPL/NPF) dan risiko likuiditas (LDR/FDR), factor Good Corporate Governance (CGC), factor earnings yang dinilai dari rasio ROA, ROE, dan BOPO, dan factor capital yang dinilai dari rasio CAR. Penelitian ini dilakukan pada 25 bank umum konvensional dan 10 bank umum syariah yang terdaftar di Otoritas Jasa Keuangan Republik Indonesia periode tahun 2014-2017 yang menjadi sampel penelitian.
English Abstract
The purpose of this study is todetermine the health level of conventional commercial banks and Islamic public banks for the period 2014-2017. This study uses four factors in RGEC, namely Risk Profile using NPL / NPF and LDR / FDR, GCG results from Self Assessment banks, Earnings using ROA, ROE, BOPO and Capital using CAR. This is based on the OJK Circular Number 14 / SEOJK.08 / 2017 as well as SE BI No.13 / 24 / DPNP Regarding the Soundness Rating of Commercial Banks. This type of research is descriptive research. This research was conducted at 25 conventional commercial banks and 10 Islamic public banks. The results showed that the 2014-2016 conventional bank risk profile (NPL ratio) received the title of "very good", in 2017 received the title of "good", NPF Islamic commercial banks received the title of "good" in 2014-2017. In conventional commercial LDR liquidity risk received the title of "good" in 2014-2017, the FDR ratio of sharia commercial banks received the title of "good enough" in 2014- 2016 and the 2017 "good" predicate. both received the title of "good" in 2014- 2017. In the Earnings factor, conventional commercial banks received the title of "very good" in 2014-2017, Islamic commercial banks received a rating of "quite good" in 2014-2015 and "good" in 2016-2017, the ROE ratio of conventional commercial banks was "pretty good" 2014-2017 and at Islamic commercial banks received the title of "poor" in 2014-2016 and "not good" in 2017. The conventional commercial bank BOPO ratios for 2014-2017 were "very good", "quite good", "not good ", And" not good ", Islamic commercial banks get the title" not good ". Factor Capital CAR ratio of conventional and sharia commercial banks during 2014-2017 received the predicate "very good".
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2018/1242/051904210 |
| Uncontrolled Keywords: | Tingkat Kesehatan Bank Umum, Risk Profile, Good Corporate Governance, Earnings, dan Capital /Bank Health Level, Risk Profile, Good Corporate Governance, Earnings, and Capital |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.1 Banks |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Endang Susworini |
| Date Deposited: | 21 Oct 2019 07:02 |
| Last Modified: | 07 Jan 2021 06:24 |
| URI: | http://repository.ub.ac.id/id/eprint/170440 |
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