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All Journal JURNAL PEMBANGUNAN DAN KEUANGAN DAERAH JURNAL BERKALA ILMIAH EFISIENSI Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Jurnal Ilmiah Ilmu Terapan Universitas Jambi Journal of Creative Student Research Jurnal Manajemen Bisnis Era Digital
Maramis, Pingkan A
Universitas Kristen Indonesia Tomohon
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Transportation Other

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ANALISIS TINGKAT KESEHATAN BANK PERKREDITAN RAKYAT (BPR) BERDASARKAN METODE RISK-BASED BANK RATING (RBBR) DI KOTA MANADO TAHUN 2015 DAN 2016 Maramis, Pingkan A
JURNAL BERKALA ILMIAH EFISIENSI Vol 17, No 3 (2017)
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kesehatan suatu bank merupakan kepentingan semua pihak terkait, baik pemilik dan pengelola bank, masyarakat pengguna jasa bank, maupun pengawas bank. Bank Indonesia menilai tingkat kesehatan bank menggunakan metode dengan pendekatan risiko yang disebut dengan Risk-Based Bank Rating (RBBR). Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Perkreditan Rakyat (BPR) di Kota Manado pada tahun 2015 dan 2016 dengan menggunakan metode RBBR. Metode ini terdiri dari empat faktor penilaian yaitu risk profile, GCG, earning, dan capital. Hasil penelitian menunjukan masih terdapat beberapa BPR di Kota Manado yang memperoleh predikat kurang sehat atau melanggar atas rasio NPL, LDR, BMPK, LRR, ROA, BOPO, dan CAR sesuai dengan ketentuan undang-undang. 
ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) PADA PT. BANK MANDIRI (PERSERO) PERIODE 2015 - 2018 Maramis, Pingkan Aprilia
JURNAL PEMBANGUNAN EKONOMI DAN KEUANGAN DAERAH Vol 20, No 3 (2020): JURNAL PEMBANGUNAN EKONOMI DAN KEUANGAN DAERAH
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jpekd.28212.20.3.2020

Abstract

ABSTRAK Dunia perbankan begitu penting dalam masyarakat maupun dalam memajukan perekonomian suatu Negara. Bank dijadikan sebagai tempat untuk melakukan berbagai transaksi yang berhubungan dengan keuangan seperti, tempat mengamnkan uang, melakukan investasi, pengiriman uang, melakukan pembayaran atau melakukan penagihan, Kasmir (2014:2). Menyadari pentingnya peranan bank, maka kesehatan bank harus terjaga karena bank mengelola dana masyarakat yang dipercayakan kepada bank. Berdasarkan Peraturan Bank Indonesia No. 13/1/PBI/2011 tentang Penilaian Tingkat Kesahatan Bank Umum dengan Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital yang selanjutnya disebut dengan metode RGEC. Penelitian ini bertujuan untuk mengetahui penilaian tingkat kesehatan Bank Mandiri Periode 2015-2018 dilihat dari factor Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Dalam penelitian ini penilaian pada factor Risk-Profile dilihat dari risiko kredit diukur dengan rasio NPL dan risiko likuiditas diukur dengan rasio LDR, factor Good Corporate Governance (GCG) diukur dengan penilaian self assessment bank, factor Earning diukur dengan rasio ROA, dan factor Capital diukur dengan rasio CAR. Hasil penelitian yang telah dilakukan menunjukan Bank Mandiri selama periode 2015-2018 pada factor Risk Profile dengan rasio NPL mendapatkan predikat Sehat, dengan rasio LDR mendapatkan predikat Cukup Sehat, pada factor GCG mendapatkan predikat Sangat Baik, pada factor Earnings mendapatkan predikat Sangat  Sehat, dan factor Capital mendapatkan predikat Sangat Sehat. Kata Kunci: profil risiko, GCG, Rentabilitas, Permodalan, Kesehatan Bank             ABSTRACT Banking is very important in society as well as in advancing the economy of a country. Banks are used as a place to carry out various financial-related transactions such as, a place to deposit money, make investments, send money, make payments or make collections, Kasmir (2014: 2).Recognizing the important role of banks, bank health must be maintained because banks manage public funds entrusted to banks. Based on Bank Indonesia Regulation No. 13/1 / PBI / 2011 concerning Evaluation of Commercial Bank Health Levels with Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital , hereinafter referred to as the RGEC method. This study aims to determine the level of soundness of Bank Mandiri for the period of 2015-2018 seen from thefactors Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital. In this study the assessment on factors Risk-Profile views of credit risk is measured by the ratio of NPL and liquidity risk is measured by the LDR, factor Good Corporate Governance (GCG) was measured with the assessment of self-assessment of banks, the factor Earning measured by ROA, and factors Capital is measured with a CAR ratio. The results of research that have been done show that Bank Mandiri during the 2015-2018 period on thefactor Risk Profile with the NPL ratio received the title of Healthy, with the LDR ratio getting the Pretty Healthy predicate, the GCG factor received the Very Good predicate, thefactor Earnings earned the Very Healthy predicate, and the factor Capital gets the title of Very Healthy. Keywords: risk profile, GCG, Profitability, Capital, Bank Health
ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) PADA PT. BANK MANDIRI (PERSERO) PERIODE 2015 - 2018 Maramis, Pingkan Aprilia
JURNAL PEMBANGUNAN EKONOMI DAN KEUANGAN DAERAH Vol 20, No 4 (2019): JURNAL PEMBANGUNAN EKONOMI DAN KEUANGAN DAERAH
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jpekd.32805.20.4.2019

Abstract

ABSTRAKDunia perbankan begitu penting dalam masyarakat maupun dalam memajukan perekonomian suatu Negara. Bank dijadikan sebagai tempat untuk melakukan berbagai transaksi yang berhubungan dengan keuangan seperti, tempat mengamnkan uang, melakukan investasi, pengiriman uang, melakukan pembayaran atau melakukan penagihan, Kasmir (2014:2). Menyadari pentingnya peranan bank, maka kesehatan bank harus terjaga karena bank mengelola dana masyarakat yang dipercayakan kepada bank. Berdasarkan Peraturan Bank Indonesia No. 13/1/PBI/2011 tentang Penilaian Tingkat Kesahatan Bank Umum dengan Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital yang selanjutnya disebut dengan metode RGEC. Penelitian ini bertujuan untuk mengetahui penilaian tingkat kesehatan Bank Mandiri Periode 2015-2018 dilihat dari factor Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Dalam penelitian ini penilaian pada factor Risk-Profile dilihat dari risiko kredit diukur dengan rasio NPL dan risiko likuiditas diukur dengan rasio LDR, factor Good Corporate Governance (GCG) diukur dengan penilaian self assessment bank, factor Earning diukur dengan rasio ROA, dan factor Capital diukur dengan rasio CAR. Hasil penelitian yang telah dilakukan menunjukan Bank Mandiri selama periode 2015-2018 pada factor Risk Profile dengan rasio NPL mendapatkan predikat Sehat, dengan rasio LDR mendapatkan predikat Cukup Sehat, pada factor GCG mendapatkan predikat Sangat Baik, pada factor Earnings mendapatkan predikat Sangat  Sehat, dan factor Capital mendapatkan predikat Sangat Sehat. Kata Kunci: profil risiko, GCG, Rentabilitas, Permodalan, Kesehatan Bank ABSTRACTBanking is very important in society as well as in advancing the economy of a country. Banks are used as a place to carry out various financial-related transactions such as, a place to deposit money, make investments, send money, make payments or make collections, Kasmir (2014: 2).Recognizing the important role of banks, bank health must be maintained because banks manage public funds entrusted to banks. Based on Bank Indonesia Regulation No. 13/1 / PBI / 2011 concerning Evaluation of Commercial Bank Health Levels with Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital , hereinafter referred to as the RGEC method. This study aims to determine the level of soundness of Bank Mandiri for the period of 2015-2018 seen from thefactors Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital. In this study the assessment on factors Risk-Profile views of credit risk is measured by the ratio of NPL and liquidity risk is measured by the LDR, factor Good Corporate Governance (GCG) was measured with the assessment of self-assessment of banks, the factor Earning measured by ROA, and factors Capital is measured with a CAR ratio. The results of research that have been done show that Bank Mandiri during the 2015-2018 period on thefactor Risk Profile with the NPL ratio received the title of Healthy, with the LDR ratio getting the Pretty Healthy predicate, the GCG factor received the Very Good predicate, thefactor Earnings earned the Very Healthy predicate, and the factor Capital gets the title of Very Healthy. Keywords: risk profile, GCG, Profitability, Capital, Bank Health
ANALISIS TINGKAT KESEHATAN BANK PERKREDITAN RAKYAT (BPR) BERDASARKAN METODE RISK-BASED BANK RATING (RBBR) DI KOTA MANADO TAHUN 2015 DAN 2016 Maramis, Pingkan A.; Kumaat, Robby J.; Mandeij, Dennij
Jurnal Berkala Ilmiah Efisiensi Vol 17, No 3 (2017)
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kesehatan suatu bank merupakan kepentingan semua pihak terkait, baik pemilik dan pengelola bank, masyarakat pengguna jasa bank, maupun pengawas bank. Bank Indonesia menilai tingkat kesehatan bank menggunakan metode dengan pendekatan risiko yang disebut dengan Risk-Based Bank Rating (RBBR). Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Perkreditan Rakyat (BPR) di Kota Manado pada tahun 2015 dan 2016 dengan menggunakan metode RBBR. Metode ini terdiri dari empat faktor penilaian yaitu risk profile, GCG, earning, dan capital. Hasil penelitian menunjukan masih terdapat beberapa BPR di Kota Manado yang memperoleh predikat kurang sehat atau melanggar atas rasio NPL, LDR, BMPK, LRR, ROA, BOPO, dan CAR sesuai dengan ketentuan undang-undang.
Analisis Dana Pihak Ketiga Dan Modal Terhadap Penyaluran Kredit PT. Bank Sulutgo Jeifer Juandy Livingstone Rompas; Pingkan Aprilia Maramis
Jurnal Manajemen Bisnis Era Digital Vol. 1 No. 1 (2024): Februari : Jurnal Manajemen Bisnis Era Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumabedi.v1i1.86

Abstract

The purpose of this study is to analyze the effect of External Funds and Capital on credit distribution in PT. Bank Sulutgo . This research uses secondary data taken from Bank Sulutgo's annual report from 2012 – 2021. The analysis used is multiple regression analysis on the eviews application by taking data on third party funds, share capital and total credit distribution. Regression testing shows Y = 127 + 0.286 X1 + 7.490 X2. In the T test, it explains that the variable Third Party Fund has a significant influence on Credit Distribution and the results of the Capital variable have a significant influence on Credit Distribution, the amount of Third Party Funds and capital on Credit Distribution can be seen from the R-square of 0.98, meaning that X1 and X2 have a significant influence on Y by 98 percent and the rest by other factors.
Pengaruh Kesehatan Bank Dengan Menggunakan Pendekatan Risk Based Bank Rating (RBBR) Terhadap Penyaluran Kredit Pada Bank BUMN Periode 2013-2019 Pingkan Aprilia Maramis; Jeifer Juandy Livingstone Rompas; Kristi Karla Arina
Journal of Creative Student Research Vol. 2 No. 1 (2024): Februari : Journal of Creative Student Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jcsr-politama.v2i1.3546

Abstract

This research aims to determine the effect of bank health using the RBBR approach on state-owned bank credit distribution for the 2013-2019 period. Indonesian Banking Statistics released by the Financial Services Authority noted that the amount of credit from Government-Owned Banks in September 2017 dominated the banking credit market share. Government-owned banks registered with BUMN are Bank Mandiri, BRI, BNI and BTN. Providing bank credit is one of the main bank activities in generating profits, but the biggest risk in banks also comes from providing credit. Based on Bank Indonesia Regulation no. 13/PBI/1/2011 concerning Assessment of the health level of a bank is carried out using a risk-based approach, namely Risk Based Bank Rating (RBBR) with assessment coverage of four factors, namely Risk Profile, GCG, Earnings and Capital. The analytical method used is descriptive analysis and multiple linear regression. The research results show that of all the four factors assessed using RBBR, only liquidity risk provides a "fairly healthy" criteria result. Then it was found that the NPL and LDR variables had a significant negative effect on the amount of credit disbursed. However, the variables GCG, ROA, and CAR have a significant positive effect on the amount of credit disbursed, and variations in the three variables, namely GCG, ROA, and CAR, were found to be able to explain variations in the amount of credit disbursed.
DEVELOPMENT STRATEGY FOR MARINE TOURISM AT KOMBI BEACH IN NORTH SULAWESI : Strategi Pengembangan Wisata Bahari Pantai Kombi di Sulawesi Utara Pingkan Aprilia Maramis; Kristi Karla Arina; Priskila Gissela Marlia Walangitan; Sammy Rommy Novie Korua; Jefta Eoudio Jeremia Maramis; Jibrael Albert Jesson Bolung; Gloria Virginia Regita Wangkay
Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Vol 8 No 2 (2024): SANTHET: (JURNAL SEJARAH, PENDIDIKAN DAN HUMANIORA) 
Publisher : Proram studi pendidikan Sejarah Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/santhet.v8i2.4566

Abstract

Marine tourism is an important contributor to the global economy that relies heavily on the preservation of coastal resources (Gössling, Hall, and Scott 2018). Kombi Beach, which is located in Kombi District, is not only known by local tourists, but also begins to attract the attention of foreign tourists. However, the development of marine tourism on Kombi Beach still faces various challenges, including limited infrastructure, suboptimal promotion, and public awareness of the importance of sustainable tourism. However, despite having various advantages, Kombi Beach still faces a number of challenges that need to be overcome in order to compete with other tourist destinations around it. The data analysis in this study uses SWOT analysis. Based on the results of the SWOT analysis for the marine tourism development strategy on Kombi Beach, which resulted in several important points. First, the strength of Kombi Beach lies in its unique natural beauty, climate that supports tourism throughout the year, as well as support from the government and local communities. Second, the weaknesses faced include limited supporting infrastructure, less than optimal promotion, and the quality of human resources in the tourism sector that need to be improved. Furthermore, the opportunities that exist include increasing marine tourism trends, potential investment from the private sector, and advances in digital technology that can increase promotion. However, the challenges that must be watched out for are competition with other tourist destinations, potential environmental damage, and economic instability that can affect tourist visits. Based on the analysis, the recommended development strategy is an aggressiveness (SO) strategy. Steps that can be taken include the development of integrated tour packages that combine natural and cultural activities, utilizing digital promotion with government support, involving local communities in tourism efforts, and collaborating with the government to improve transportation access
IMPACT ANALYSIS OF GREEN ECONOMY INSTRUMENTS ON SUSTAINABLE NATURAL RESOURCE MANAGEMENT Welky Karauwan; Denny Adri Taruming; Joni Kutu’ Kampilong; Kristi Karla Arina; Deisy Agnes Pertiwi Juita Pangkey; Pingkan Aprilia Maramis; Elsje Hanna Lintong
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 9 No. 3 (2025): Volume 9, Nomor 3, September 2025
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v9i3.37741

Abstract

The implementation of Green Economy Instruments (GEI) is crucial for achieving Sustainable Natural Resource Management (SNRM), particularly in agrarian regions facing environmental degradation. This study aims to evaluate the effectiveness of GEI, including carbon tax, emission trading system, renewable energy subsidies, and fiscal incentives, in promoting SNRM among farming business actors in Tomohon, North Sulawesi. A quantitative approach was employed using Structural Equation Modeling (SEM) with Smart PLS 4.0, based on survey data from 500 respondents. The results indicate that most GEI dimensions have a positive influence on SNRM, with an R² value of 0.847. Fiscal Policy Instruments (FPI) and Environmental Regulations (ERS) showed the most substantial impact. At the same time, Carbon Tax (CT) and Sustainable Financing (SF) exhibited significant but negative relationships, suggesting potential misalignment between policy design and local perception. This research presents a new conceptual framework “Policy Effectiveness in Agrarian Settings” emphasizing that the success of GEI depends on perceived benefits, accessibility, and visible outcomes. The findings offer practical implications for regional policymakers, highlighting the importance of targeted fiscal support, clear regulations, and enhanced communication to promote the adoption of green policies. Additionally, this study fills a gap by providing empirical insights into the application of GEI outside urban or industrial contexts, thereby supporting the achievement of SDG 12, SDG 13, and SDG 15. Future studies should explore longitudinal effects and stakeholder perceptions through qualitative methods to deepen understanding of policy barriers and opportunities.
Co-Authors Arina, Kristi Karla Deisy Agnes Pertiwi Juita Pangkey Dennij Mandeij Denny Adri Taruming Elsje Hanna Lintong Gloria Virginia Regita Wangkay Jefta Eoudio Jeremia Maramis Jeifer Juandy Livingstone Rompas Jibrael Albert Jesson Bolung Joni Kutu Kampilong Kumaat, Robby J. Priskila Gissela Marlia Walangitan Sammy Rommy Novie Korua Welky Karauwan