Iffada, Faradisna Irfadianis and Drs. Achmad Husaini, M.AB, and Reika Happy Sugiastuti, S.AB., M.AB (2023) Analisis Tingkat Kesehatan Bank dengan Menggunakan Rasio Biaya Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Net Interest Margin, dan Return on Assets (Studi pada Bank Umum KBMI 3 dan KBMI 4 Periode 2019-2021). Sarjana thesis, Universitas Brawijaya.
Abstract
Pertumbuhan ekonomi Indonesia pada kuartal kedua tahun 2020 mengalami penurunan hingga -5,23% sebagai dampak dari adanya pandemi Covid-19. Hal ini akan berdampak terhadap berbagai sektor termasuk sektor perbankan. Kesehatan bank harus tetap terjaga agar kepercayaan masyarakat terhadap bank tidak menurun sehingga kegiatan operasional bank dapat berjalan lancar. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis tingkat kesehatan bank berdasarkan rasio Biaya Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin, Non Performing Loan, dan Return on Assets pada bank umum KBMI 3 dan KBMI 4 periode 2019-2021. Populasi pada penelitian ini adalah seluruh bank umum yang terdaftar di Bursa Efek Indonesia (BEI) pada papan pencatatan utama sebanyak 32 bank. Fokus penelitian ini adalah rasio Biaya Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin, Non Performing Loan, dan Return on Assets. Teknik analisis yang digunakan adalah teknik analisis deskriptif. Hasil dari penelitian ini menunjukkan bahwa rata-rata peringkat komposit kesehatan bank KBMI 3 dan KBMI 4 periode 2019-2021 secara keseluruhan berada pada peringkat 2 dengan predikat sehat. Hasil tersebut didukung dengan analisis rata-rata rasio Biaya Operasional terhadap Pendapatan Operasional bank KBMI 3 dan KBMI 4 periode 2019-2021 memperoleh predikat sangat sehat, Capital Adequacy Ratio bank KBMI 3 dan KBMI 4 periode 2019-2021 memperoleh predikat sangat sehat, Loan to Deposit Ratio bank KBMI 3 dan KBMI 4 periode 2019-2021 memperoleh predikat cukup sehat, Net Interest Margin bank KBMI 3 dan KBMI 4 periode 2019-2021 memperoleh predikat sangat sehat, Non Performing Loan bank KBMI 3 dan KBMI 4 periode 2019-2021 memperoleh predikat sehat, dan Return on Assets bank KBMI 3 dan KBMI 4 periode 2019-2021 memperoleh predikat sangat sehat.
English Abstract
Indonesia's economic growth in the second quarter of 2020 decreased by -5.23% as a result of the Covid-19 pandemic. This will have an impact on various sectors including the banking sector. Bank soundness must be maintained so that public trust in bank do not decreased and bank operational activities can run well. The purpose of this research is to find out and analyze the soundness of a bank using the ratio of Operating Expenses to Operating Income, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Net Interest Margin, and Return on Assets on Commercial Banks KBMI 3 and KBMI 4 in 2019-2021. The population of this research is all commercial bank listed on Indonesia Stock Exchange (IDX) on the main listing board of 32 banks. The focus of this research is the ratio of Operating Expenses to Operating Income, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Net Interest Margin, and Return on Assets. The analysis technique used is descriptive analysis technique. The results show that overall the average composite rating for bank soundness of Bank KBMI 3 and KBMI 4 in 2019-2021 is at rank 2 with a healthy predicate. These results are supported by the analysis of the average ratio of Operating Expenses to Operating Income for Bank KBMI 3 and KBMI 4 in 2019-2021 with a very healthy predicate, Capital Adequacy Ratio for Bank KBMI 3 and KBMI 4 in 2019-2021 with a very healthy predicate, Loan to Deposit Ratio for Bank KBMI 3 and KBMI 4 in 2019-2021 with a fairly healthy predicate, Net Interest Margin for Bank KBMI 3 and KBMI 4 in 2019-2021 with a very healthy predicate, Non Performing Loan for Bank KBMI 3 and KBMI 4 in 2019-2021 with a healthy predicate, and Return on Assets for Bank KBMI 3 and KBMI 4 in 2019-2021 with a very healthy predicate.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0523030571 |
| Uncontrolled Keywords: | Bank Soundness, Operating Expenses to Operating Income, Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin, Non Performing Loan, Return on Assets |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Endang Susworini |
| Date Deposited: | 12 Jan 2024 07:09 |
| Last Modified: | 12 Jan 2024 07:09 |
| URI: | http://repository.ub.ac.id/id/eprint/208883 |
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