PUTRY, RIZKY MARETA (2020) PENGGUNAAN METODE RISK , GOOD CORPORATE GOVERNANCE , EARNING , CAPITAL (RGEC) UNTUK MENILAI KESEHATAN BANK ( Studi pada BUMN Perbankan , Periode 2015 – 2018). S1 thesis, Universitas Mercu Buana Bekasi.
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Abstract
ABSTRAK Penelitian ini bertujuan untuk mengetahui tingkat kesehatan BUMN Perbankan dengan menggunakan metode analisis Risk Profile, Good Corporate Governance, Earnings, Capital. Metode penelitian ini adalah Penelitian deskriptif dengan menggunakan data sekunder. Populasi dalam penelitian ini adalah seluruh BUMN Perbankan periode tahun 2015 -2018. Tehnik pengumpulan data yang dipergunakan adalah tehnik dokumentasi dan kepustakaan. . Jenis Penelitian ini termasuk ke dalam jenis penelitian deskriptif. Penelitian deskriptif adalah desain analisa dengan terlebih dahulu mengumpulkan data yang ada kemudian diklarifikasi, dianalisis, selanjutnya di interpretasikan sehingga dapat memberikan gambaran yang jelas mengenai keadaan yang diteliti. Hasil penelitian ini menunjukkan bahwa secara keseluruhan tingkat kesehatan BUMN perbankan periode 2015 – 2018, dari segi profil risiko yang memperhatikan dua indikator yaitu risiko kredit yang diwakili oleh rasio Non Perfoming Loan (NPL) dikategorikan “Sehat” dan Risiko Likuiditas kredit yang diwakili oleh rasio Loan to Deposite Ratio (LDR) dikategorikan “Cukup Sehat”, dari segi Good Corporate Governance (GCG) tingkat kesehatan BUMN Perbankan dikatagorikan “Sehat”. Secara keseluruhan tingkat kesehatan bank dari segi Earnings (Rentabilitas) diwakili oleh rasio Return On Asset (ROA) dikategorikan “Sangat Sehat” Dan dari segi permodalan yang diwakili dengan menghitung rasio Capital Adequacy Ratio (CAR) BUMN Perbankan dikategotrikan “Sangat Sehat”. Hasil analisis tingkat kesehatan bank umum BUMN berdasarkan metode RGEC selama tahun 2015-2018 menunjukkan bahwa kesehatan bank berada pada Peringkat Komposit 2 (PK 2) yaitu terlihat dari keempat aspek yang diukur berupa Risk Profile, GCG, Earnings, dan Capital , secara keseluruhan berada dalam peringkat “Sehat”. Kata Kunci : Risk Profile, Good Corporate Governance, Earnings, Capital ABSTRACT This study aims to determine the soundness of BUMN Banking by using the Risk Profile, Good Corporate Governance, Earnings, Capital analysis methods. This research method is a descriptive study using secondary data. The population in this study was all Banking SOEs in the 2015-2018 period. Data collection techniques used are documentation and literature techniques. This type of research is included in the type of descriptive research. Descriptive research is an analysis design by first gathering existing data then clarified, analyzed, then interpreted so as to provide a clear picture of the circumstances under study. The results of this study indicate that the overall health level of state-owned banks in the period 2015 - 2018, in terms of risk profiles that pay attention to two indicators, namely credit risk represented by the Non Perfoming Loan (NPL) ratio categorized as "Healthy" and Credit Liquidity Risk represented by the Loan ratio to Deposite Ratio (LDR) is categorized as "Fairly Healthy", in terms of Good Corporate Governance (GCG), the level of soundness of SOE Banking is categorized as "Healthy". Overall the soundness of banks in terms of Earnings (Rentability) represented by the ratio of Return on Assets (ROA) is categorized as "Very Healthy" And in terms of capital represented by calculating the ratio of Capital Adequacy Ratio (CAR) Banking SOEs Banking categorized as "Very Healthy". The results of the analysis of the soundness of state-owned commercial banks based on the RGEC method during 2015-2018 show that the health of banks is in the Composite Rating 2 (PK 2), which is seen from the four aspects measured in the form of Risk Profile, GCG, Earnings, and Capital, as a whole. "Healthy" rating. Keywords: Risk Profile, Good Corporate Governance, Earnings, Capital
Item Type: | Thesis (S1) |
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Call Number CD: | FE/AK 20 003 |
NIM/NIDN Creators: | 43216310064 |
Uncontrolled Keywords: | Kata Kunci : Risk Profile, Good Corporate Governance, Earnings, Capital |
Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi |
Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
Depositing User: | siti maisyaroh |
Date Deposited: | 29 Jul 2022 01:53 |
Last Modified: | 01 Aug 2022 03:16 |
URI: | http://repository.mercubuana.ac.id/id/eprint/66414 |
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