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Journal : MBIA

ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (STUDI KASUS PADA PT.BANK MUAMALAT Tbk) PERIODE 2012-2016 Zein Ghozali; Riri Hanifa; Mahdi Hendrich
MBIA Vol 18 No 2 (2019)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1057.062 KB) | DOI: 10.33557/mbia.v18i2.500

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat kesehatan PT.Bank Muamalat Indonesia Tbk periode 2012 sampai dengan 2016, diukur dengan menggunakan pendekatan RGEC (Risk Profile,Good Corporate Governance, Earnings dan Capital). Penilaian Kesehatan bank ini berdasarkan Peraturan Bank Indonesia Nomor 13/1/PBI/2011. Jenis Penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan kuantitatif. Variabel Risk Profile diukur dengan menggunakan rasio NPL, Posisi Devisa Netto (PDN) dan LDR. Variabel dan pengukuran pada penelitian ini terdiri dari faktor Risk Profile, Faktor Good Corporate Governance, faktor Earning dan faktor Capital. Hasil analisis menunjukkan bahwa tingkat kesehatan PT.Bank Muamalat Indonesia Tbk pada periode 2012 sampai dengan 2016 dalam kategori sehat. Indikator Risk Profile dikategorikan pada posisi Low to moderate selama periode 2012-2016. Indikator GCG dikategorikan Baik selama periode penelitian. Indikator Earning PT.BMI Tbk dikategorikan Kurang Sehat selama periode 2012-2016. Dengan menggunakan indikator CAR, peneliti membuktikan bahwa PT.Bank Muamalat Tbk memiliki faktor Capital yang baik, yaitu diatas ketentuan Bank Indonesia sebesar 8%.
Determinan Profitabilitas Bank Perkreditan Rakyat di Kota Palembang Periode 2013-2018 Riri Hanifa; Anton Trianto; Mahdi Hendrich
MBIA Vol 18 No 3 (2019)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (600.055 KB) | DOI: 10.33557/mbia.v18i3.682

Abstract

This study was conducted with the aim to empirically examine the effect of CAR, NPL, BOPO and LDR on profitability (ROA) at the Rural Credit Bank in Palembang for the period 2013-2018. The type of this research is descriptive quantitative The population in the research object is all BPRs contained in Palembang city amounted to 13 BPR while the total sample of 10 BPR. The research sample was taken with a purposive sampling system with the criteria of a BPR whose financial statements were published by the Financial Services Authority in the 2013-2018 period. The method used in this study uses multiple regression analysis with a hypothesis testing tool that is the t test and the F test. However, before conducting multiple regression analysis, the classical assumption test is performed first. Through the simultaneous hypothesis test results (Test F) it is known that CAR, BOPO, NPL and LDR have a significant effect on the profitability of BPR (sig 0,000). While based on the partial hypothesis test results (t test) on BPR shows that CAR variable does not influence ROA (sig 0.183), BOPO variable has no effect on ROA (sig 0.114), NPL variable has significant effect on ROA (sig 0.001) and LDR variable also no effect on ROA (sig 0,782). Adjusted R ² value in the regression model was obtained at 56.1, this indicates that the influence of independent variables on the dependent variable (ROA) was 56.1% while the remaining 43.9% was influenced by other factors outside this study.