Geraldine, Patrick and Reika Happy Sugiastuti, S.AB., M.AB. (2023) Analisis Penilaian Kinerja Keuangan Perbankan dengan Pendekatan Risk Profile, Good Corporate Governance, Earnings, and Capital (Studi pada Bank BUMN Periode 2019-2021),. Sarjana thesis, Universitas Brawijaya.
Abstract
Tujuan dari penelitian ini adalah menganalisa kinerja keuangan perbankan Badan Usaha Milik Negara (BUMN) pada pengamatan tiga tahun, yaitu 2019, 2020, dan 2021. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan kuantitatif. Data yang diperoleh berupa data sekunder dari laporan keuangan masing-masing bank. Dalam tingkat kinerja keuangan bank, faktor yang akan digunakan, yaitu Risk profile menggunakan rasio Non-Performing Loan (NPL) dan Loan Deposit Ratio (LDR), Good Corporate Governance menggunakan self assessment, Earnings menggunakan rasio Retrun On Asset (ROA) dan Net Interest Margin (NIM), serta Capital dengan menggunakan rasio Capital Adequacy Ratio (CAR). Terdapat empat sampel bank BUMN pada penelitian ini yaitu Bank Mandiri (BMRI), Bank Negara Indonesia (BBNI), Bank Rakyat Indonesia (BBRI), dan Bank Tabungan Negara (BBTN). Hasil penelitian dari analisis tingkat kinerja keuangan perbankan dapat disimpulkan bahwa bank BUMN mendapatkan Peringkat Komposit 1 (PK-1) dengan predikat “Sangat Baik” di tahun 2019. Peringkat Komposit 2 (PK-2) dengan predikat “Baik” di tahun 2020. Peringkat Komposit 1 (PK-1) dengan predikat “Sangat Baik” di tahun 2021.
English Abstract
The purpose of this study is to analyze the financial performance of state-owned enterprises (BUMN) banks in three years of observation, namely 2019, 2020, and 2021. The type of research being conducted is descriptive research with a quantitative approach. The data obtained is in the form of secondary data from the financial statements of each bank. In terms of the bank's financial performance level, the factors to be used are Risk profile using the Non-Performing Loan (NPL) ratio and Loan Deposit Ratio (LDR), Good Corporate Governance using self assessment, Earnings using the Return On Assets (ROA) ratio and Net Interest Margin (NIM), as well as Capital using the Capital Adequacy Ratio (CAR). There were four samples of state-owned banks in this study, namely Bank Mandiri (BMRI), Bank Negara Indonesia (BBNI), Bank Rakyat Indonesia (BBRI), and Bank Tabungan Negara (BBTN). The results of the research from an analysis of the level of banking financial performance can be concluded that state-owned banks get a Composite Rating 1 (PK-1) with a “Very Good” predicate in 2019. A Composite Rating 2 (PK-2) with a “Good” predicate in 2020. Composite 1 (PK-1) with the title "Very Good" in 2021.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 052303 |
| Uncontrolled Keywords: | Penilaian Kinerja Keuangan, RGEC, BUMN.-Financial Performance Assessment, RGEC, BUMN. |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 16 Jan 2024 01:32 |
| Last Modified: | 16 Jan 2024 01:32 |
| URI: | http://repository.ub.ac.id/id/eprint/210556 |
![[thumbnail of DALAM MASA EMBARGO]](http://repository.ub.ac.id/style/images/fileicons/text.png) |
Text (DALAM MASA EMBARGO)
Patrick Geraldine.pdf Restricted to Registered users only until 31 December 2025. Download (1MB) |
Actions (login required)
 |
View Item |