PENGARUH ANTAR KOMPONEN PENILAIAN KESEHATAN BANK BERBASIS RGEC : StudiPadaPerbankan yang Terdaftar di Bursa Efek Indonesia

Berliansi, Edvin (2015) PENGARUH ANTAR KOMPONEN PENILAIAN KESEHATAN BANK BERBASIS RGEC : StudiPadaPerbankan yang Terdaftar di Bursa Efek Indonesia. S1 thesis, Universitas Pendidikan Indonesia.

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Official URL: http://repository.upi.edu

Abstract

Bank Indonesia selaku otoritas pengawas perbankan Indonesia, menetapkan peraturan untuk penilaian kesehatan bank dengan menerbitkan Peraturan Bank Indonesia No.13/1/PBI/2011, yang mewajibkan bank umum untuk melakukan penilaian sendiri (self assessment) kesehatan bank menggunakan pendekatan Risiko (Risk-based Bank Rating/RBBR) dengan cakupan penilaian meliputi Profil Risiko (risk profile), Good Corporate Governance (GCG), Rentabilitas (earnings), dan Permodalan (capital) untuk menghasilkan Peringkat Komposit tingkat kesehatan bank.Tujuan dari penelitian ini adalah untuk mengetahui adanya pengaruh antar komponen yang menjadi penilaian kesehatan bank. Objek penelitian ini yaitu perbankan yang terdaftar di Bursa Efek Indonesia tahun 2011 hingga 2013.Variabel bebas (X) dalam penelitian ini adalah Good Corporate Governanceyang dilihat dari peringkat GCG (X1), risiko kredit yang dilihat dari Non Permorming Loan(X2), dan permodalan yang dilihat dari Capital Adequacy Ratio(X3).Sedangkan variabel terikat (Y) dalam penelitian ini adalah rentabilitas yang dilihat dari Return On Asset. Teknik analisis data yang digunakan adalah analisis jalur. Teknik pengambilan sampel yang digunakan adalah teknik puposive sampling, dengan jumlah sampel sebanyak 12 bank. Data yang digunakan adalah data sekunder. Hasil penelitian menunjukkan bahwa Good Corporate Governance berpengaruh negatif dan signifikan terhadap rentabilitas (earning). Good Corporate Governance berpengaruh positif dan signifikan terhadap risiko kredit. Good Corporate Governance berpengaruh positif dan tidak signifikan terhadap modal (capital). Risiko kredit berpengaruh negatif dan signifikan terhadap Modal (capital). risiko kredit berpengaruh negatif dan tidak signifikan terhadap rentabilitas (earning). Modal (capital) berpengaruh positif dan tidak signifikan terhadap (earning). Terdapat pengaruh tidak langsung Good Corporate Governance terhadap rentabilitas (earning) melalui risiko kredit. Terdapat pengaruh tidak langsung Good Corporate Governance terhadap rentabilitas (earning) melalui modal (capital). Kata Kunci: RGEC, Profil Risiko, Good Corporate Governance, Rentabilitas, Permodalan Bank Indonesia as the Indonesian banking supervisory authority established the rules for bank health assessment by declaring Bank Indonesia Regulation No.13 / 1 / PBI / 2011. It requires commercial bank to conduct bank health self-assessment using risk approach (Risk-based Bank Ratings / RBBR) with coverage assessment such as CRisk Profile, Good Corporate Governance (GCG), Earnings, and Capital to produce Composite Rankings of bank health. The aim of this study was to determine the influence of inter-component that becomes bank health assessment. The object of this study, are banks listed on the Indonesia Stock Exchange in 2011 until 2013. Independent variable (X) in this study are good corporate governance based on the GCG ratings (X1), the credit risk based on the Non Permorming Loan (X2), and capital based on the Capital Adequacy Ratio (X3). Moreover, the dependent variable (Y) in this study takes from profitability of Return On Asset. The data analysis technique was path analysis. Further, the sampling technique that is used was purposive sampling technique, with a total sample of 12 banks. Secondary data is used in this study. Good Corporate Governance has significant negative effect on earnings. Good Corporate Governance has positive and significant impact on credit risk. Good Corporate Governance has no significant positive effect on capital. Credit risk has significant negative effect on capital. credit risk has significant negative impact on earnings. Capital has not significant positive effect on the earnings. There is indirect effect on the earnings of Good Corporate Governance through credit risk. There is indirect effect on the earnings of Good Corporate Governance through capital. Keywords: RGEC, risk profile, Good Corporate Governance, Earnings, and Capital

Item Type: Skripsi,Tesis,Disertasi (S1)
Additional Information: No. Panggil : S PEA BER p-2015; Pembimbing ; I. Alfira Sofia ST
Uncontrolled Keywords: RGEC, Profil Risiko, Good Corporate Governance, Rentabilitas, Permodalan
Subjects: H Social Sciences > HJ Public Finance
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi
Depositing User: Mrs. Neni Sumarni
Date Deposited: 14 Feb 2017 01:43
Last Modified: 14 Feb 2017 01:43
URI: http://repository.upi.edu/id/eprint/22875

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