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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)
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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
MARTHA ROSALINA MARGARETHA T.
MARTHA ROSALINA MARGARETHA T. - Personal Name
R 657 MAR a
657
Skripsi
Indonesia
UNILA
2017
Bandar Lampung
Skripsi
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