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Journal : permana

PENGARUH RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL TERHADAP PREDIKSI FINANCIAL DISTRESS PADA BANK PERKREDITAN RAKYAT Wijayanti, Kristina Nimas; Sari, Inayah Adi; Indriasih, Dewi
PERMANA Vol 9, No 2 (2018): Pebruari
Publisher : PERMANA

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Abstract

This study aims to determine the effect of Risk Based Bank Rating on the prediction of financial distress in Rural Banks in the area of ex Residency of Pekalongan with the period of research in 2013 until 2017. This study of financial distress uses a quantitative approach towards all BPR in Indonesia by using purposive sampling method. Data analysis method used is logistic regression analysis with the dependent variable in the form of dummy variables, namely 1 for non-financial distress and 2 for financial distress. Determination of the financial distress category was determined based on the Financial Services Authority Regulation No.5 / POJK.03 / 2015, that BPR with core capital below Rp6 billion indicated experiencing financial difficulties and vice versa. The results of the research showed that (1) Risk Profile represented by the LDR and NPL ratios had a positive and insignificant effect on financial distress. (2) Good Corporate Governance (GCG) represented by the composite value of the self-assessment report on the application of BPR governance has a positive effect but not significant to financial distress. (3) Earnings represented by the ROA ratio have a positive and insignificant effect on financial distress. (4) Capital represented by the CAR ratio has a negative effect and is not significant to financial distress.Keywords: Rural Bank, financial distress, Risk Based Bank Rating, profile risk, Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Good Corporate Governance (GCG),Earnings, Return On Asset (ROA), Capital Adequacy Ratio (CAR), logistic regression
Co-Authors Agung Prabowo Agung Prabowo ANDI WIBOWO Arief Agoestanto Arum Dinasari Astrid Sulistya Azahra Azahra, Astrid Sulistya Dary, Novia Wulan Detalia Noriza Munahefi Dewi Indriasih Dewi, Nuriana Rachmani Dwijanto Dwijanto, Dwijanto Dyarko Emi Pujiastuti Endang Retno Winarti Erina Nurhalisha Farida Nursyahidah Farida Nursyahidah Faza, Safana Aulia Inayah Adi Sari Intan Wahyuningsih Isnaini Rosyida Isnaini Rosyida, Isnaini Isnarto, Isnarto Isti Hidayah Iwan Junaedi Kartono Kartono , Khoerunnisa, Ema Larasati Tiara Medyasari Manah, Nila Kumoro Marwah Daud Wijayanti Mashuri Mashuri Maulana, Mukhamad Riziq Maydilla Fadiarahma Vistara Medyasari, Larasati Tiara Miftah Fathur Rahmi Muhammad Marzuqi Mulyono Mulyono Munahefi, Detalia Noriza Najmah Fithria Qothrunnada Nikmah, Aizzatun Noriza Munahefi, Detalia Nugraheni, Fenti Nuriana Rachmani Dewi Priscilia Monica Praneswari Priscilia Priscilia, Priscilia Monica Praneswari Putriaji Hendikawati Rachmani Dewi, Nuriana Rahayu Budhiati Veronika Rahmi, Miftah Fathur Riyanto Riyanto Rochmad - Rochmad Rochmad RR. Ella Evrita Hestiandari Sa'diyah, Riska Nur Saodah, Nursaodah Scolastika Mariani Scolastika Mariani Silviani, Siti Aminah St. Budi Waluya Sukestiyarno Sukestiyarno Sukestiyarno Sukestiyarno Sukestiyarno Sunarmi Sunarmi Supono, Lilik Tunisa, Kholipah Veronica, Rahayu Budhiati Veronica, Rahayu Budhiati Wardono Wardono Wardono WIDYANINGRUM, PRIMA SEKAR Wijayanti, Marwah Daud Woro Alma Manfaati Yeni Heryani Zaenuri Mastur Zainnur Wijayanto Zainnur Wijayanto Zukhriya, Rohmatin