Nurmaghvira, Wildavia Putri (2017) Penilaian Tingkat Kesehatan Bank Dengan Menggunakan Rasio Keuangan Dan Metode Rgec (Studi Pada Bank Umum Milik Negara Yang Terdaftar Di Bursa Efek Indonesia Periode 2013-2015). Sarjana thesis, Universitas Brawijaya.
Abstract
Dunia Perbankan harus memperhatikan kesehatan perusahaannya supaya dapat tetap mempertahankan kepercayaan masyarakat untuk menggunakan layanan Bank tersebut. Kesehatan Bank dapat diukur dengan menggunakan rasio keuangan. Selain itu, penyempurnaan penilaian tingkat kesehatan Bank telah diatur oleh Bank Indonesia pada Peraturan Bank Indonesia (PBI) Nomor:13/1/PBI/2011 Tentang Penilaian Tingkat Kesehatan Bank Umum Pasal 6 dengan menggunakan pendekatan Risk-Based Bank Rating (RBBR). Penelitian ini menggunakan rasio keuangan yaitu rasio likuiditas diukur dengan Loan to Assets Ratio (LAR), rasio profitabilitas diukur dengan Return On Equity (ROE), rasio solvabilitas diukur dengan Primary Ratio serta disempurnakan menggunakan metode RBBR yaitu Risk Profile yaitu risiko kredit yang diukur dengan Non Performing Loan (NPL) dan risiko likuiditas yang diukur dengan Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG), Earning diukur dengan Return On Assets (ROA), dan Capital diukur dengan Cash Adeque Ratio (CAR). Penelitian ini menggunakan jenis penelitian deskriptif dengan menggunakan pendekatan kuantitatif. Objek penelitian menggunakan Bank Umum Milik Negara yang terdaftar di Bursa Efek Indonesia periode 2013-2015 yang ditetapkan dengan menggunakan metode survey. Hasil penelitian Bank Umum Milik Negara yang terdaftar di Bursa Efek Indonesia periode 2013-2015 menunjukkan bahwa berdasarkan rasio likuiditas, seluruh Bank mempunyai tingkat likuiditas yang cukup baik. Berdasarkan rasio profitabilitas, keuntungan seluruh Bank dinilai sangat baik. Berdasarkan rasio solvabilitas, solvabilitas seluruh perusahaan dinilai baik. Berdasarkan profil risiko diukur dengan NPL, seluruh Bank memperoleh predikat baik, sedangkan hasil LDR, seluruh Bank memperoleh predikat cukup baik. Penilaian GCG menunjukkan masih ada 1 Bank yang memperoleh predikat cukup baik tahun 2013. Rentabilitas menunjukkan terdapat 1 Bank yang memperoleh predikat cukup baik tahun 2014. Penilaian permodalan memperoleh predikat sangat baik.
English Abstract
World of Banking should pay attention to the health of his company in order to maintain of public trust to using Bank services. The Bank's health can be assessed by using financial ratios. In addition, the refinement of the assessment of health level abank was set up by Bank Indonesia on Bank Indonesia Regulation Number 13/1/PBI/2011about the assessment of health level public Bank article 6 by a risk-based approach to rating of banks (RBBR). This research are uses financial ratio, that is liquidity ratio and it is measured by Loan to Asset Ratio (LAR), profitability ratio is measured by Return On Equity (ROE), solvency ratio is measured by Primary Ratio ad enhanced using the method of RBBR is risk profile that is credit risk as measured by the Non Performing Loan (NPL) and liquidity risk as measured by the Loan to Deposit Rtio (LDR), Good Corporate Governance (GCG), Earning is measured by Return On Assets (ROA), andCapital is measured by Cash Adeque Ratio (CAR). This research using a type of descriptive study with quantitative approach. Object of research using state owned commercial banks listed on Indonesia Stock Exchange (IDX) period 2013-2015 that specified by survey method. Result of research state owned commercial banks listed on Indonesia Stock Exchange period 2013-2015 shows that based on the ratio ofliquidity, all Banks have liquidity is good enough. Based on the ratio of profitability, the advantage of the whole Bank was rated very good. Based on the ratio of solvency, solvency throughout the company are rated good. Based on the risk profile is measured by NPL, entire Bank obtain a good appreciation, whereas the result of LDR, whole Banks obtain a quite good predicate. The assessment of GCG shows there are still 1 Bank which are acquired the quite good predicate by 2013. Earning ratio pointed out there was 1 Bank to obtain a predicate quite good by 2014. The assessment of Capital gain excellent predicate
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2017/482/051706380 |
| Uncontrolled Keywords: | Tingkat Kesehatan Bank, Rasio Likuiditas, Rasio Profitabilitas, Rasio Solvabilitas, Profil Risiko, GCG, Rentabilitas, Permodalan. |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.1 Banks |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Kustati |
| Date Deposited: | 17 Oct 2017 03:58 |
| Last Modified: | 20 Oct 2020 07:31 |
| URI: | http://repository.ub.ac.id/id/eprint/3786 |
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