Project’s Detail

ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC PADA BANK-BANK BUMN PERIODE 2015 – 2019

Abstrak (Abstracts)

This study aim to find out the bank health level of commercial banks in 2015 – 2019 in terms of the aspects of Risk Profile, Good Corporate Governance, Earnings, Capital and RGEC (Risk Profile, Good Corporate Governance, Earning and, Capital) as a whole. This was a descriptive research with a quantitative approach with commercial banks as the subject of this research. The data were collected through documentation technique and library research technique. The data analysis technique was an analysis of the bank heakth kevel using the Risk Based Bank Rating approach with an assessment coverage including RGEC factors. The result of this research showed that in 2015 – 2019: (1) The aspect of Risk Profile reviwed by the average of NPL yields a value of 1,21%, 1,18%, 1,08%, 1,06% and 1,51% with a very healthy predicate and the average of LDR yields a value of 92,63%, 91,56%, 91,01%, 94,49% and 96,89% with a quite healthy predicate. (2) The aspect of GCG in 2015 – 2019 yields a value of 1,79, 1,75, 1,75, 1,75 and 1,75 with a healthy predicate. (3) The aspect of Earnings got a very healthy predicate reviewed by the average of ROA yields a value of 2,89%, 2,565, 2,70%, 2,70% and 2,27% and the average of NIM yields a value of 6,33%, 6,37%, 5,96%, 5,65% dan 5,17%. (4) The aspect of Capital reviewed by CAR yields a value of 18,92%, 21,00%, 20,49%, 19,72% and 20,24% with a very healthy predicate. (5) The whole aspect of RGEC in the 1st level of composite, which was a very healthy predicate. Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank-bank BUMN periode 2015 – 2019 ditinjau dari aspek Risk Profile, Good Corporate Governance, Earnings, Capital dan RGEC (Risk Profile, Good Corporate Governance, Earnings dan Capital) secara keseluruhan. Jenis penelitian ini adalah penelitian deskriptif pendekatan kuantitatif dengan bank BUMN sebagai subjek dalam penelitian ini. Data diperoleh melalui teknik dokumentasi dan studi pustaka. Teknik analisis data yang digunakan adalah analisis kesehatan bank dengan pendekatan Risiko (Risk Based Bank Rating) dengan cakupan penilaian meliputi faktor-faktor RGEC. Hasil penelitian menunjukkan bahwa selama periode 2015 – 2019: (1) Aspek Risk Profile bank BUMN dilihat dari rata-rata persentase NPL berturut-turut sebesar 1,21%, 1,18%, 1,08%, 1,06% dan 1,51% dengan kriteria sangat sehat dan rata-rata persentase LDR berturut-turut sebesar 92,63%, 91,56%, 91,01%, 94,49% dan 96,89% dengan kriteria cukup sehat. (2) Aspek GCG selama periode 2015 – 2019 sebesar 1,79, 1,75, 1,75, 1,75 dan 1,75 dengan kriteria sehat. (3) Aspek Earnings berada dalam kriteria sangat sehat dilihat dari rata-rata persentase ROA 2,89%, 2,565, 2,70%, 2,70% dan 2,27% dan NIM dengan rata-rata persentase 6,33%, 6,37%, 5,96%, 5,65% dan 5,17%. (4) Aspek Capital dilihat dari rata-rata persentase CAR berturut-turut sebesar 18,92%, 21,00%, 20,49%, 19,72% dan 20,24% dengan kriteria sangat sehat. (5) Aspek RGEC secara keseluruhan berturut-turut berada dalam Peringkat Komposit 1 (PK-1) yaitu sangat sehat dengan nilai 90%.

Keyword : The Bank Health Level, Commercial Banks, RGEC Method

Nilai Properti

Penulis : APRILLIANA SALAMATUSSADIYAH, NIM : 962017002, Penerbit : Politeknik Negeri Balikpapan, Program Studi : KEUANGAN DAN PERBANKAN, Tahun : 2020, Bahasa : Indonesia, Jenis Penelitian : Tugas Akhir, Lokasi : Prepustakaan Poltekba,

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