ANALISIS PENILAIAN KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING (RRBR) TERHADAP PROFITABILITAS PERBANKAN (Studi Empiris Pada Perbankan Yang Terdaftar di BEI Periode 2011-2015)

MARTHA ROSALINA MARGARETHA T., 1311031071 (2017) ANALISIS PENILAIAN KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING (RRBR) TERHADAP PROFITABILITAS PERBANKAN (Studi Empiris Pada Perbankan Yang Terdaftar di BEI Periode 2011-2015). FAKULTAS EKONOMI DAN BISNIS, UNIVERSITAS LAMPUNG.

[img]
Preview
Text
1. ABSTRAK.pdf

Download (24Kb) | Preview
[img] Text
2. SKRIPSI FULL.pdf
Restricted to Registered users only

Download (2677Kb)
[img]
Preview
Text
3. SKRIPSI FULL TANPA BAB PEMBAHASAN.pdf

Download (2531Kb) | Preview

Abstrak

ABSTRAK ANALISIS PENILAIAN KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING (RRBR) TERHADAP PROFITABILITAS PERBANKAN (Studi Empiris Pada Perbankan Yang Terdaftar di BEI Periode 2011-2015) Oleh MARTHA ROSALINA MARGARETHA T. Penelitian ini bertujuan untuk mengetauhi tingkat kesehatan bank dan menguji pengaruh komponen-komponen Risk-based Bank Rating terhadap profitabilitas perbankan. Profitabilitas perbankan diukur menggunakan ROA. RBBR merupakan salah satu faktor penilaian kesehatan bank yang terbaru menggantikan CAMEL dari Bank Indonesia, sesuai dengan Surat Edaran Bank Indonesia No. 13/24/DPNP/2011. Penilaian dengan metode Risk-based Bank Rating terdiri dari empat faktor yakni sisi risiko, GCG, rentabilitas, dan modal. Faktor-faktor yang diuji adalah NPL, LDR, IRR, GCG, REO, NIM, dan CAR. Populasi dari penelitian ini adalah perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2011 -2015. Berdasarkan metode purposive sampling, jumlah sampel yang diperoleh adalah 150 perbankan. Sumber data diperoleh dari laporan tahunan perbankan yang terdaftar di Bursa Efek Indonesia pada tahun 2011-2015. Metode analisis data menggunakan analisis regresi linear berganda dengan aplikasi software SPSS 21. Hasil penelitian ini menunjukkan bahwa variabel NPL, GCG, dan REO berpengaruh negatif signifikan terhadap profitabilitas perbankan. Sedangkan variabel independen NIM berpengaruh positif signifikan dan variabel independen LDR dan IRR tidak berpengaruh secara signifikan terhadap profitabilitas perbankan. Kata kunci : Risk-based Bank Rating, profitabilitas perbankan, ROA, NPL, LDR, IRR, GCG, REO, NIM, dan CAR. ABSTRACT THE ANALYSIS OF BANK HEALTH ASSESSMENT USING RISK-BASED BANK RATING (RRBR) METHOD TO BANK PROFITABILITY (Empirical Studies In Banking Companies listed on the Indonesian Stock Exchange in 2011 -2015) By MARTHA ROSALINA MARGARETHA T. This research aims to understand bank’s health rate and analyze the influence of Risk Based Bank Rating (RRBR) to the profitability of bank listed on the Indonesian Stock Exchange in 2011-2015. The profitability of bank is measured with Return On Asset. RBBR is the newest assessment that replaced CAMEL from Bank Indonesia, in accordance with Bank Indonesia Circular Letter Number 13/24/DPNP/2011. Bank’s health rate is assessed through Risk-based Bank Rating method which includes four factors such as risk profile, good corporate governance, earning and capital. Factors tested are Non performing loan (NPL), Loan to deposit ratio (LDR), Interest rate risk (IRR), Good corporate government (GCG), Rasio efisiensi operasional (REO), Net interest margin (NIM), and Capital adequacy ratio (CAR). The population of this study are banking companies that are listed on Indonesian stock exchange in 2011-2015. Based on purposive sampling method, the total obtained samples are 150 banks. The source of data are taken from annual reports of banks that are listed on Indonesian stock exchange in 2011-2015. The data analysis method is using multiple linear regression with SPSS 21 software application. The result of this study found NPL, GCG, and REO have significant negative effect to the profitability of bank. While the independent variable NIM has positive effect and other independent variables (LDR , IRR) have no significant effect to the profitability of bank. Keywords :Risk-based Bank Rating, Profitability of bank, Return On Asset, NPL, LDR, IRR, GCG, REO, NIM , and CAR

Tipe Karya Ilmiah: Skripsi
Subyek: H Ilmu Sosial = Social Sciences > HF Commerce > HF5601 Accounting
Program Studi: Fakultas Ekonomi dan Bisnis > Prodi Akuntansi
Depositing User: 4707778 . Digilib
Date Deposited: 11 Oct 2017 07:10
Last Modified: 11 Oct 2017 07:10
URI: http://digilib.unila.ac.id/id/eprint/28526

Actions (login required)

View Item View Item