Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal International Journal of Economics, Business and Accounting Research (IJEBAR)
Mustika Kusuma Basir
Unknown Affiliation
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
ANALISIS PENGARUH TERHADAP TINGKAT KESEHATAN BANK BERBASIS RISK-BASED BANK RATING (RBBR) STUDI KOMPARATIF PADA KELOMPOK BANK MODAL INTI 4DI INDONESIA PERIODE 2020-2024 Jason Agustinus Priyogo Utomo; Natali Ikawidjaja; Monalisa; Mustika Kusuma Basir
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No 3 (2026): IJEBAR: Vol. 10, Issue 3, September 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10i3.20348

Abstract

This study aims to analyze the influence of Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital on the level of bank health based on Risk-Based Bank Rating (RBBR) in Core Capital Bank Group 4 (KBMI 4) in Indonesia for the period 2020–2024. This study uses a quantitative approach with a comparative and longitudinal causal design through panel data regression analysis. The research objects consist of PT Bank Central Asia Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk, and PT Bank Rakyat Indonesia (Persero) Tbk, with secondary data in the form of quarterly financial reports totaling 80 observations. The independent variables in this study include Risk Profile measured through NPL and LDR, GCG through self assessment scores, Earnings through ROA and NIM, and Capital through CAR, while the dependent variable is the composite value of bank health level. The results show that Risk Profile and Capital do not significantly influence the composite level of bank health, while GCG and Earnings have a significant effect. GCG is the most dominant factor in determining the soundness of banks in KBMI 4. Simultaneously, Risk Profile, GCG, Earnings, and Capital significantly influence the composite score of bank soundness. This finding indicates that the soundness of KBMI 4 banks is determined more by the quality of governance and the ability to generate sustainable profits than by risk profile and capital adequacy separately. Therefore, bank management needs to strengthen GCG implementation, improve asset efficiency, maintain profitability, and continue to control risk and capital adequacy in accordance with regulatory requirements. Keywords: ​Risk-Based Bank Rating, bank soundness, Good Corporate Governance, Earnings, Capital, Risk Profile.
Co-Authors Jason Agustinus Priyogo Utomo Monalisa Natali Ikawidjaja