TY  - THES
ID  - eprints76647
UR  - http://digilib.unila.ac.id/76647/
A1  - SUCI , WIJI ASTUTI 
Y1  - 2023/09/18/
N2  - Penelitian ini bertujuan untuk mengetahui kondisi kesehatan sektor perbankan
sebelum dan selama pandemi covid-19. Penulis menggunakan data laporan
keuangan bank pada Kelompok Bank berdasarkan Modal Inti (KBMI) satu
dampai empat dengan periode 2018-2021. Penelitian ini termasuk dalam
penelitian deskriptif kuantitatif untuk menilai kesehatan sektor perbankan yang
melakukan publikasi laporan tahunan pada website masing-masing bank. Data
dianalisis menggunakan model RGEC (Risk Profile, Good Corporate
Governance, Earning, Capital) yang mengukur aspek profil risiko, tata kelola
perusahaan, profitabilitas dan kecukupan modal. Hasil penelitian menyimpulkan
bahwa setelah menilai semua aspek RGEC, disimpulkan pada bank KBMI 1, 3,
dan 4 terdapat perbedaan signifikan antara NPL perbankan sebelum dan selama
covid-19 sedangkan GCG, ROA, dan CAR tidak ada perbedaan. Bank KBMI 2
tidak terdapat perbedaan signifikan antara NPL, GCG, ROA, dan CAR perbankan
sebelum dan selama covid-19. Rasio NPL yang digunakan untuk mengukur resiko
kredit atau pembiayaan yang diberikan kepada pihak ketiga menunjukkan tidak
terdapat perbedaan antara rata-rata rasio NPL di masa sebelum dan selama covid19.

Hal ini dikarenakan pada masa awal pandemi covid-19, nasabah tidak
memiliki kecukupan dana untuk membayar angsuran pinjaman sehingga kasus
gagal bayar atau penundaan pembayaran mengalami peningkatan. 

Kata Kunci: Covid-19, KBMI, Kesehatan Bank, dan RGEC. 
This study aims to determine the health condition of the banking sector before and 
during the Covid-19 pandemic. The author uses bank financial report data for
Bank Groups based on Core Capital (KBMI) one to four for the 2018-2021
period. This research is included in the quantitative descriptive research to assess
the health of the banking sector which publishes annual reports on the website of
each bank. Data were analyzed using the RGEC model (Risk Profile, Good
Corporate Governance, Earning, Capital) which measures aspects of risk profile,
corporate governance, profitability and capital adequacy. The results of the study
concluded that after assessing all aspects of RGEC, it was concluded that at
KBMI 1, 3 and 4 banks there were significant differences between banking NPLs
before and during Covid-19 while there were no differences in GCG, ROA and
CAR. Bank KBMI 2 has no significant differences between banking NPL, GCG,
ROA, and CAR before and during Covid-19. The NPL ratio used to measure
credit risk or financing provided to third parties shows no difference between the
average NPL ratio before and during Covid-19. This is because in the early days
of the Covid-19 pandemic, customers did not have sufficient funds to pay loan
installments so that cases of default or delays in payment increased. 

Keywords: Bank Health, Covid-19, KBMI, and RGEC. 
PB  - FAKULTAS EKONOMI DAN BISNIS
M1  - masters
TI  - ANALISIS KESEHATAN PERBANKAN SEBELUM DAN SELAMA
COVID 19: PERBANDINGAN PERBANKAN KBMI I, II, III, DAN IV 
DENGAN METODE RGEC 
AV  - restricted
ER  -