AFIFAH, ANA NUR (2019) PENGARUH TINGKAT KESEHATAN BANK MENURUT RISK BASED RATING TERHADAP KINERJA KEUANGAN (Studi Pada Bank Umum Syariah Di Indonesia Yang Terdaftar Di BEI periode 2013 - 2017). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This research aims put to the explain and analysis effect of soundness of banking use risk based bank rating method toward financial performance (ROA) of Islamic Banking in Indonesian. Wheareas, ratios of risk based bank rating measured using risk profile ( Non Performing Financing and Financing to Deposit Ratio), earning (operating expenses to operating revenue) then capital (capital adequacy ratio). This research included was causal research with secondary data from annual report Islamic Bank 2013-2017. Sample data technique used purposive sampling method in order to obtain 6 Islamic bank in Indonesia. The result of this research shows that either simultaneously (f test) NPF, FDR, BOPO and CAR had an effect on financial performance (ROA) amount 76,7%. Wheareas using result of partial (t test) only BOPO that a negative effect on financial performance (ROA). Keywords : Islamic Bank, Soundness of Bank, Risk Based Bank Rating, Financial Performance, ROA Penelitian ini bertujuan untuk menjelaskan dan menganalisis pengaruh tingkat kesehatan bank berdasarkan metode risk based bank rating terhadap kinerja keuangan yang diproksikan dengan ROA. Sedangkan rasio yang digunakan dalam pengukuran risk based bank rating mencakup risiko kredit (Non Performing Financing / NPF), risiko likuiditas (Financing to Deposit Ratio / FDR), Efisiensi Operational (BOPO) dan Capital Adequacy Ratio (CAR). Penelitian ini merupaakn penelitian kausalitas dengan data sekunder yang berasal dari laporan keuangan tahunan bank umum syariah di Indonesia periode 2013-2017 dengan sampel sebanyak 6 bank. Hasil penelitian ini menunjukkan bahwa melalui uji simultan (uji F) NPF, FDR, BOPO dan CAR berpengaruh signifikan terhadap kinerja keuangan (ROA) sebesar 76,7%. Sedangkan melalui uji parsial (uji t) hanya variabel BOPO yang berpengaruh negatif signifikan terhadap kinerja keuangan (ROA). Kata Kunci : Bank Umum Syariah, Kesehatan Bank, Risk Based Bank Rating, Kinerja Keuangan, ROA
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