Irtriani, Vike and Dr.Siti Aijah, SE.,MS.,CSRS.,CFP (2020) Evaluation of State Bank Performance Based on The Regulation of Bank Indonesia Number: 13/1/PBI/2011 (A Study on State Bank of Indonesian Government in 2018). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk mengevaluasi tingkat kesehatan bank milik pemerintah Indonesia berdasarkan peraturan Bank Indonesia No.13/1/PBI/2011 tentang Penilaian Kesehatan Keuangan Bank menggunakan pendekatan Risk Based Bank rating (RBBR) dengan penilaian terhadap faktor Risk Profile, Good Corporate Governnace, Earnings, and Capital. Jenis penelitian ini merupakan penelitian deskriptif dengan pendekatan kuantitatif. Populasi penelitian ini adalah bank milik pemerintah Indonesia. Sampel dari penelitian ini adalah BNI, BRI, Bank Mandiri, and BTN. Data yang digunakan adalah data sekunder berupa laporan keuangan tahunan dan laporan tahunan. Pengolahan data menggunakan software Microsoft Excel dan dianalisis menggunakan teknik kuantitatif deskriptif. Penelitian ini menemukan bahwa penilaian terhadap faktor Risk Profile yang dipresentasikan oleh NPL, IRR, LDR, LAR, dan CR rasio pada BNI, BRI dan Bank Mandiri diklasifikasikan sangat sehat sedangkan BTN sebagai sehat. Peringkat LDR menunjukan hanya BTN yang dikategorikan tidak ideal. Penilaian terhadap 11 aspek Good Corporate Governnace pada Bank Mandiri dikategorikan sangat sehat sedangkan BNI, BRI, dan BTN berada dalam kategori sehat. Penilaian terhadap faktor Earnings menggunakan ROA dan NIM rasio, serta faktor Capital menggunakan CAR rasio menghasilkan BNI, BRI, Bank Mandiri, dan BTN berada dalam kategori sangat sehat. Secara keseluruhan bank milik pemerintah Indonesia pada tahun 2018 memiliki kondisi sangat baik sehingga mampu mengatasi permasalahan liabilitas.
English Abstract
This study aims to evaluate the soundness level of State Bank of Indonesian Government under Bank Indonesia Regulation No. 13/1/PBI/2011 about Banks Financial Health Assessment using Risk Based Bank Rating (RBBR) approach with measuring the Risk Profile, Good Corporate Governance, Earnings, and Capital factors. This is a descriptive study with quantitative approach. The population of this study was State Banks of Indonesian Government. The sample of this study was BNI, BRI, Bank Mandiri, and BTN. The data used was secondary data in the form of annual financial statements and annual reports. The data was processed by Microsoft Excel and analyzed using the descriptive quantitative technique. This study found, in the measurement of Risk Profile factor represented by NPL, IRR, LDR, LAR, and CR ratio at, that BNI, BRI and Bank Mandiri were classified as very healthy while BTN as healthy. The rank of LDR shows, that only BTN was categorized not ideal. The assessment of 11 aspects of Good Corporate Governance at Bank Mandiri were categorized as very healthy while BNI, BRI, and BTN were in the healthy category. The measurement of Earnings factor using ROA and NIM ratio, and Capital factor using CAR ratio showed that BNI, BRI, Bank Mandiri, and BTN were in the very healthy category. Accordingly, State Banks of Indonesian Government in 2018 have an excellent condition in overall, so they will be able to overcome the liabilities issue.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FEB/2020/27/052003796 |
| Uncontrolled Keywords: | Bank Soundness, Risk Based Bank Rating, RGEC method, State Banks of Indonesian Government (Banks of SOE),Kesehatan Bank, Risk Based Bank Rating, metode RGEC, Bank milik pemerintah Indonesia (Bank BUMN |
| Subjects: | 600 Technology (Applied sciences) > 658 General management |
| Divisions: | Fakultas Ekonomi dan Bisnis > Manajemen |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 17 Dec 2021 06:49 |
| Last Modified: | 02 Oct 2024 07:51 |
| URI: | http://repository.ub.ac.id/id/eprint/187473 |
![[thumbnail of VIKE IRTRIANI.pdf]](http://repository.ub.ac.id/style/images/fileicons/text.png) |
Text
VIKE IRTRIANI.pdf Download (3MB) |
Actions (login required)
 |
View Item |