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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Abdurrauf Science and Society
David Peter Rotinsulu
University of Sam Ratulangi Manado
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE ANALYZE OF RISK-BASED BANK RATING METHOD ON BANK’S PROFITABILITY IN STATE-OWNED BANKS Rotinsulu, David Peter; Kindangen, Paulus; Pandowo, Merinda
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 3, No 1 (2015): Jurnal EMBA, HAL 001- 117
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (765.58 KB) | DOI: 10.35794/emba.3.1.2015.6570

Abstract

The rising level of a development implementation results, the productivity in the entire national economic power needs to be more enhanced. Theses development can give an optimal results to increase the prosperity, includes banking services. A bank health shows the bank’s ability to maintain its public trust, intermediary functions, and financial traffic. It used by the government to implement the economy wholly to compete in the world free trade liberalization era. The aims of these studies are to determine the influence of Risk-Based Bank Rating on Bank’s Profitability Level of State-Owned Banks Listed Indonesian Stocks Exchange in 2007-2013 Period. The research used secondary data in time-series. The samples are 4 banks from 38 banks populations. The data analyzed using a multiple regression model. The results of the research found (1) Risk-Based Bank Rating has significant influence on Bank’s Profitability simultaneously, (2) Credit Risk and (3) Liquidity Risk has negative significant influence on Bank Profitability, (4) Market Risk has positive significant influence on Bank Profitability, while (5) Capital has no significant influence on Bank Profitability of State-Owned Banks Listed Indonesian Stocks Exchange in 2007-2013 Period. For State-Owned Banks management parties, should always conducts restudying comprehensively and continuously to create a risk management effectively to avoid the unexpected scenario in the future. Keywords: risk-based bank rating, profitability
Predicting Financial Distress Using the Grover, Springate, Taffler, Zmijewski, and Altman models: a Case Study of PT. Prima Alloy Steel Universal Tbk (PRAS) and PT. Sri Rejeki Isman Tbk (SRIL) Rotinsulu, David Peter; Saerang, David Paul Elia
Abdurrauf Science and Society Vol. 1 No. 3 (2025): Abdurrauf Science and Society
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/asoc.v1i3.235

Abstract

Every company aims to remain competitive in the business world and consistently generate profits. Nevertheless, some companies that have operated for years are eventually forced to cease production due to mounting debt, poor management planning, and unstable financial statements, leading to financial distress—as seen in the cases of PT. Prima Alloy Steel Universal Tbk (PRAS) and PT. Sri Rejeki Isman Tbk (SRIL). This research aims to determine which model among Grover (G-Score), Springate (S-Score), Taffler (T-Score), Zmijewski (X-Score), and Altman (Z-Score) is the most accurate in predicting financial distress. To evaluate the precision of each model, the study involves calculating the accuracy level of the prediction results. A comparative descriptive method with a quantitative approach is applied. The financial data analyzed in this study consists of the companies’ financial statements from the three years following their declaration of bankruptcy or financial distress by the Commercial Court. The results indicate that the Springate model has the highest level of accuracy, achieving a 100% accuracy rate and successfully predicting the bankruptcy of the companies studied. It hopes that the company must having competent leaders by seeking the risk of bankruptcy / financial distress to help decisions or policies making, in order to save and prevent from threatening bankruptcy in the future.
Co-Authors David Paul Elia Saerang Merinda H. Ch. Pandowo Paulus Kindangen