ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RISK-BASED BANK RATING (RBBR) (Studi Kasus PT.Bank Tabungan Negara (Persero) Tbk 2015-2017)

HANDAYANI, ANNISA (2019) ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RISK-BASED BANK RATING (RBBR) (Studi Kasus PT.Bank Tabungan Negara (Persero) Tbk 2015-2017). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to determine the soundness of the bank at PT. Bank Tabungan Negara (Persero) Tbk in 2015-2017. Assessment with the Risk-Based Bank Rating method consists of four risk profile factors, Good Corporate Governance, Earning, and Capital from each bank. The purpose of this study is to reveal how to assess Risk Profile using the NPL ratio (Non Performing Loan) and the LDR (Loan Deposit To Ratio) ratio, GCG (Good Corporate Governance), Earning (Rentability) using the ROA ratio (Return Of Assets). ), and the ratio of NIM (Net Interest Margin), and for the valuation of Capital (Capital) using the CAR (Capital Adequancy Ratio) ratio. The type of research used in this study is descriptive research with a quantitative approach. The results of the research obtained by the bank's soundness level at Bank Tabungan Negara (Persero), Tbk are seen from the risk profile factor for the period 2015-2017 with an average NPL value of 2.97% and the average LDR of 104.85%. get the title of Unhealthy because of non-performing loans. Judging from the factors of good corporate governance during the period 2015-2017 with an average value of 105.57% with the title of Healthy. Judging from the earning factor (earnings) the average ROA assessment is 1.69% with the title of Very Healthy. Viewed from the NIM factor, the average was 3.28% with the title of Very Healthy. Judging from the capital factor, namely by using an average CAR ratio of 18.71%, the BTN bank is categorized in the Very Healthy group. Keywords: Bank Soundness, Risk-Based Bank Rating Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank pada PT.Bank Tabungan Negara (Persero) Tbk tahun 2015-2017. Penilaian dengan metode Risk-Based Bank Rating terdiri dari empat faktor risk profile,Good Corporate Governance, Earning, dan Capital dari setiap bank. Tujuan dari penelitian ini yaitu untuk mengungkapkan bagaimana melakukan penilaian Risk Profile neggunakan rasio NPL (Non Performing Loan) dan rasio LDR (Loan Deposit To Ratio), penilaian GCG (Good Corporate Governance), penilaian Earning (Rentabilitas) menggunakan rasio ROA(Return Of Assets), dan rasio NIM (Net Interest Margin), dan untuk penilaian Capital (Permodalan) menggunakan rasio CAR (Capital Adequancy Ratio). Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian desktiptif dengan pendekatan kuantitatif. Hasil penelitian yang diperoleh tingkat kesehatan bank pada PT.Bank Tabungan Negara (Persero),Tbk dilihat dari faktor risk profile selama periode 2015 -2017 dengan nilai NPL rata-rata 2,97% mendapat predikat Sehat dan LDR rata-rata 104,85% mendapat predikat Kurang Sehat karena kredit bermasalah. Dilihat dari faktor good corporate governance selama periode 2015-2017 dengan nilai rata-rata 105,57% dengan mendapat predikat Sehat. Dilihat dari faktor earning (rentabilitas) penilaian ROA rata-rata 1,69% dengan mendapat predikat Sangat Sehat. Dilihat dari faktor NIM rata-rata 3,28% dengan mendapat predikat Sangat Sehat. Dilihat dari faktor capital (permodalan) yaitu dengan menggunakan rasio CAR rata-rata 18,71% maka bank BTN dikategorikan dalam kelompok Sangat Sehat. Kata kunci: Tingkat Kesehatan Bank, Risk-Based Bank Rating

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