BAGAR, NOVIDA DWIANING (2015) ANALISIS TINGKAT KESEHATAN BANK UMUM PADA PT. BANK PERMATA, TBK MENGGUNAKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL Periode 2010 – 2013. Other thesis, UPN "Veteran" Yogyakarta.
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Abstract
ABSTRAK Penelitian ini bertujuan untuk mengetahui bagaimana tingkat kesehatan PT. Bank Permata, Tbk jika diukur dengan menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) pada tahun 2010-2013.Jenis penelitian yang digunakan adalah jenis penelitian deksriptif dengan pendekatan kuantitatif. Variabel pada penelitian ini terdiri dari faktor Risk Profile, faktor Good Corporate Governance, faktor Earning, dan faktor Capital. Hasil analisis menunjukan bahwa tingkat kesehatan Bank Permata secara keseluruhan ditinjau dari ke empat faktor penilaian tersebut menempati Peringkat Komposit 1 dengan predikat “Sangat Sehat”. Faktor Risk Profile yang dinilai menggunakan rasio NPL, LDR dan Cash Ratio secara keseluruhan menggambarkan pengelolaan risiko yang telah dilaksanakan dengan baik. Faktor Good Corporate Governanve Bank Permata sudah memiliki dan menerapkan tata kelola perusahaan yang sangat baik. Faktor Earning yang dinilai menggunakan rasio ROA dan BOPO mengalami kenaikan dan penurunan jumlah presentase tetapi masih dalam batas maksimal ketentuan Bank indonesia. Faktor Capital dengan menggunakan rasio CAR, peneliti membutikan bahwa Bank Permata memiliki permodalan yang sangat baik karena hasil presentasenya diatas ketentuan Bank indonesia yaitu sebesar 12%. Kata Kunci : Kesehatan Bank, Metode RGEC ABSTRACT The purpose of this study is to determine how the soundness level of PT. Bank Permata Tbk measured by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) in the year of 2010-2013. The type of research being used of descriptive research with quantitative approach. The variables in this study consisted of factors Risk Profile, a factor of good corporate governance, Earning factors, and factors Capital. Results of the analysis showed that the level of the bank's overall health in terms of the four factors that judgment occupies Composite Rating 1 with the title of "Very Healthy". Risk Factor Profile is assessed using the ratio of NPL, LDR and Cash Ratio describes the overall risk management has been implemented properly. Factors Good Corporate Governanve Bank Permata own and implement corporate governance is very good. Earning factors are assessed using ROA and ROA increase and decrease the amount of percentage but still within the maximum limit prescribed by Bank Indonesia. Capital Factors by using CAR, researchers membutikan that Bank Permata has excellent capitalization as a result of the above provisions of Bank Indonesia percentage that is equal to 12%. Keywords: Bank Soundness Level, RGEC Method
| Item Type: | Thesis (Other) |
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| Subjects: | H Social Sciences > HG Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Social Sciences |
| Depositing User: | Ratna Sufiatin |
| Date Deposited: | 26 Sep 2016 04:34 |
| Last Modified: | 26 Sep 2016 04:34 |
| URI: | http://eprints.upnyk.ac.id/id/eprint/6716 |
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