Analisa Perbandingan Tingkat Kesehatan Antar Bank Syariah Berdasarkan Risk-based Bank Rating (RBBR)

Julian, 1011011017 (2015) Analisa Perbandingan Tingkat Kesehatan Antar Bank Syariah Berdasarkan Risk-based Bank Rating (RBBR). Fakultas Ekonomi dan Bisnis, Universitas Lampung.

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Abstrak

ABSTRAK Otoritas Jasa Keuangan (OJK) memperbarui kebijakan penilaian tingkat kesehatan bank umum syariah pada tahun 2014. Kebijakan tersebut diatur dalam Peraturan OJK Nomor 8/POJK.3/2014. Peraturan tersebut menggunakan pendekatan risiko (Risk-based Bank Rating, RBBR) yang berbeda dari penilaian tingkat kesehatan bank sebelumnya. Penelitian ini bertujuan untuk mengetahui perbandingan tingkat kesehatan antara Bank Syariah Mandiri dengan Bank Muamalat Indonesia. Objek penelitian ini adalah PT Bank Syariah Mandiri dan PT Bank Muamalat Indonesia yang memiliki aset dan ekuitas pada kelas yang sama. Data yang digunakan pada tahun 2012 dan 2013. Tingkat kesehatan bank dinilai berdasarkan RBBR yang terdiri dari profil risiko, good corporate governance , rentabilitas, dan permodalan dengan metode pemberian skor. Penelitian ini menunjukan tingkat kesehatan Bank Muamalat Indonesia lebih baik dari tingkat kesehatan Bank Syariah Mandiri. Total penilaian tingkat kesehatan Bank Muamalat Indonesia sebesar 1,425625 poin sedangkan total penilaian tingkat kesehatan Bank Syariah Mandiri sebesar 1,618125 poin. Selisih total penilaian tingkat kesehatan antara kedua bank sebesar 0,1925 poin. ABSTRACT Otoritas Jasa Keuangan (OJK) renewed the policy of assessment of sharia-based general bank rating performance in 2014. The policy is arranged in OJK’s regulation number 8/POJK.3/2014. The regulation uses risk approach (Risk-based Bank Rating, RBBR) which is different from the soundness assessment of the bank earlier. This research aims to know the comparison of bank rating performance between Syariah Mandiri Bank and Muamalat Indonesia Bank. The objects of this research were PT Bank Syariah Mandiri and PT Bank Muamalat Indonesia which have assets and equity on the same class. The used data were in 2012 and 2013. Bank rating performance was assessed based on RBBR consisting of risk profile, good corporate governance, earnings, and capital with scoring method. This research shows that the soundness of Muamalat Indonesia Bank is better than the soundness of Syariah Mandiri Bank. The total assessment of the soundness of Muamalat Indonesia Bank is 1,425625 points while the total assessment of the soundness of Syariah Mandiri Bank is 1,618125 points. The difference of the total assessment of the bank rating performance between the two bank is 0,1925 points.

Jenis Karya Akhir: Skripsi
Subyek:
Program Studi: Fakultas Ekonomi dan Bisnis > Prodi S1-Manajemen
Pengguna Deposit: 7790055 . Digilib
Date Deposited: 11 Feb 2015 08:01
Terakhir diubah: 11 Feb 2015 08:01
URI: http://digilib.unila.ac.id/id/eprint/7060

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