scholarly journals ANALISIS KESEHATAN BANK DENGAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL PADA BANK MILIK NEGARA TAHUN 2013-2017

2019 ◽  
Vol 2 (2) ◽  
pp. 356
Author(s):  
Skalis Winda Munte ◽  
Selmi Dedi ◽  
Ted Matheus Suruan
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Comparative Research ◽  
Liquidity Risk ◽  
Market Risk ◽  
Risk Profile ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Public Company ◽  
Composite Rating

This research was aimed to analysis risk base bank rating using RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital ) method in Bank of Public Company 2013-2017. This research was a comparative research. The analyzer was used in this research is RGEC method. Risk Profile was assessed by, credit risk, market risk, and liquidity  risk. Good Corporate Governance was assessed by self assessment of bank report. Earning was assessed by, i.e ROA, ROE, NIM, and BOPO. And for capital was assessed by CAR. The results of the study that PT. Bank Rakyat Indonesia (Persero) Tbk obtains the highest average weighted Composite Rating, which is 94.67%., PT. Bank Negara Indonesia (Persero) Tbk came in second place at 87.11%. and PT. Bank Tabungan Negara (Persero) Tbk obtains the lowest weighted Composite Rating weight of 85.78%. However, overall the three State-Owned Banks are still rated very healthy. However, it is hoped that further researchers will be able to take on more banks to provide a broader picture.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) PADA PT. BANK MANDIRI (PERSERO) PERIODE 2015 - 2018

2020 ◽  
Vol 20 (3) ◽  
pp. 1
Author(s):  
Pingkan Aprilia Maramis
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Commercial Bank ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Self Assessment ◽  
Public Funds ◽  
Good Corporate Governance

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

scholarly journals Penilaian Kesehatan Bank Perkreditan Rakyat Syariah (BPRS) ABC

2021 ◽  
Vol 23 (1) ◽  
pp. 17-26
Author(s):  
Arfan Anugrah Asyhari ◽  
Rangga Putra Ananto ◽  
Eka Rosalina
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Financial Services ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Qualitative Approach ◽  
Bank Risk ◽  
Descriptive Research ◽  
Good Corporate Governance ◽  
Bank Soundness

This study aims to determine the Bank Soundness Level with the object of Islamic Rural Banks registered with the Financial Services Authority in 2015-2019. The type of the research that used in this research is descriptive research with a qualitative approach. Assessment using the Risk-Based Bank Rating (RBBR) method consists of four factors, namely the Risk Profile, Good Corporate Governance, Earnings and Capital of each bank. The Risk Profile consists of credit risk and liquidity risk. Credit risk is measured using NPF and liquidity risk is measured using FDR. Earnings factor is measured by ROA and NIM ratio, Capital factor is calculated by CAR ratio. The results showed that the results obtained the predicate of being unhealthy and even quite healthy on the NPF, FDR, ROA, and NIM ratios, while the CAR ratios for the last 3 years received the predicate Very Healthy appropriate to Bank Indonesia regulations, which exceeded 12%  ABSTRAK  Penelitian ini bertujuan untuk mengetahui Tingkat Kesehatan Bank dengan objek Bank Perkreditan Rakyat Syariah yang terdaftar di Otoritas Jasa Keuangan pada tahun 2015-2019. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian desktiptif dengan pendekatan kualitatif. Penilaian dengan metode Risk-Based Bank Rating (RBBR) terdiri dari empat faktor yaitu Risk Profile, Good Corporate Governance, Earnings dan Capital dari setiap bank. Risk Profile terdiri dari risiko kredit dan risiko likuiditas. Risiko kredit diukur dengan menggunakan NPF dan risiko likuiditas diukur dengan menggunakan FDR. Faktor Earnings diukur dengan rasio ROA, ROE dan NIM, faktor Capital dihitung dengan rasio CAR. Hasil penelitian menunjukkan hasil yang memperoleh predikat kurang sehat bahkan cukup sehat atas rasio NPF, FDR, ROA, ROE dan NIM, sedangkan pada rasio CAR pada 3 tahun terakhir memperoleh predikat Sangat Sehat sesuai ketentuan Bank Indonesia yaitu melebihi 12%.

HEALTH ASSESSMENT OF GOVERNMENT BANKS IN INDONESIA USING RISK-BASED BANK RATING

2018 ◽  
Vol 23 (2) ◽  
pp. 171-190
Author(s):  
Melvina Permatasari ◽  
Peni Sawitri
Keyword(s):  
Corporate Governance ◽  
Health Assessment ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Analysis Tool ◽  
Self Assessment ◽  
Public Funds ◽  
Banking Regulations ◽  
Good Corporate Governance ◽  
Descriptive Method

The health of a bank can be defined as the ability of a bank to conduct banking operational normally and be able to satisfy all its obligations well by means of accordance with the applicable banking regulations. The health assessment is very important to a bank because the bank managing public funds entrusted to the bank. Accordance with PBI 13/1/PBI/2011 numbers that have been set on January 5, 2011, and was implemented by the bank in July 2011, CAMELS method is no longer used as a method to measure the health of a bank. CAMELS method was replaced by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) to measure and assess the health of a bank. This research conducted on the four Government Banks (Bank Mandiri, BNI, BTN, and BTN) from the year 2009-2012 with comparative descriptive method. The results of Risk Profile factor that use the analysis tool of NPL to measure Credit Risk showed that Bank Mandiri, BNI, BRI into the category of the healthy bank, while BTN decreased slightly in the rankings in 2012 from a healthy bank into the fairly healthy bank. Meanwhile, the assessment results of liquidity risk that calculated use analysis tool of LDR showed that Bank Mandiri and BNI into the category of the very healthy bank, BRI tend to stable with healthy bank category, but BTN into the category of poorly bank. The result of self-assessment Good Corporate Governance showed that four Government Banks have been successfully implemented Good Corporate Governance very well. The result of Earnings factor that uses the analysis tool of ROA showed that four Government Banks as a healthy bank. The result of the Capital factor that uses the analysis tool of CAR generally showed that four Government Banks into the category of the very healthy bank. Keywords: Health of Bank, Assessment, Government Bank, RGEC, Good Corporate Governance

scholarly journals Does corporate governance affect bank risk management? Case study of Indonesian banks

2020 ◽  
Vol 4 (2) ◽  
pp. 127-139
Author(s):  
Ika Permatasari
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Credit Risk ◽  
Liquidity Risk ◽  
Operational Risk ◽  
Market Risk ◽  
Bank Risk ◽  
Content Type ◽  
Good Corporate Governance ◽  
The Relationship

PurposeThe purpose of this study is to examine the relationship between corporate governance and risk management of Indonesian banks.Design/methodology/approachImplementation of good corporate governance is measured by good corporate governance composite rating, which is the result of bank's self-assessment. Bank risk managements are measured by market risk, credit risk, liquidity risk and operational risk.FindingsThe study results showed that good corporate governance implementation in Indonesia was able to influence bank risk. There were differences in credit risk, liquidity risk and operational risk in banks with different governance ratings, but not at market risk.Originality/valueThe effectiveness of risk management and good corporate governance implementation is needed to enable banks to identify problems early, to follow up on rapid improvements and to be more resilient to crises. This study is an analysis of the relationship between corporate governance and banks' risk management in Indonesia. In particular, risk management is measured by four risks: market risk, credit risk, liquidity risk and operation risk.

scholarly journals DAMPAK IMPLEMENTASI RGEC TERHADAP NILAI PERUSAHAAN YANG GO PUBLIC DI BURSA EFEK INDONESIA

KINERJA ◽  
2017 ◽  
Vol 19 (2) ◽  
pp. 128
Author(s):  
Wardoyo , ◽  
Rizki Muti Agustini
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Audit Committee ◽  
Banking Sector ◽  
Risk Profile ◽  
The Other ◽  
Corporate Value ◽  
Good Corporate Governance ◽  
Public Company ◽  
Enterprise Size

This research aims to find and analyze influence risk profile, good corporate governance, earnings, and capital on the banking sector companies in Indonesia public company. Based on the completeness of data, there are only 14 banks to the period observation in 2009-2011 that able to be analyzed. The analysis used is multiple regression. The research results show that risk market and risks reputation impact on value of enterprise, while credit risk, risk liquidity, operational risk, risk law, and risks compliance have not been affecting the value of enterprise. Size of the board of commissioners, independence of the board of commissioners, size of the board of directors, and the number of audit committee have not been affecting the value of enterprise. While, ROE impacts on value of enterprise. In the other hands, ROA, BOPO, and CAR values have not been affecting the value of enterprise.Keywords: corporate value, tobin’s Q, risk profile, good corporate governance, earnings.

THE INFLUENCE OF PROMOTION EXPENSES, SAVINGS, AND FINANCIAL RATIOS TO DIBURSED LOANS ON BANK PEMBANGUNAN DAERAH IN INDONESIA

2018 ◽  
Vol 23 (3) ◽  
pp. 244-257
Author(s):  
Sartika ◽  
Misdiyono
Keyword(s):  
Corporate Governance ◽  
Health Assessment ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Analysis Tool ◽  
Self Assessment ◽  
Public Funds ◽  
Banking Regulations ◽  
Good Corporate Governance ◽  
Descriptive Method

The health of a bank can be defined as the ability of a bank to conduct banking operational normally and be able to satisfy all its obligations well by means of accordance with the applicable banking regulations. The health assessment is very important to a bank because the bank managing public funds entrusted to the bank. Accordance with PBI 13/1/PBI/2011 numbers that have been set on January 5, 2011, and was implemented by the bank in July 2011, CAMELS method is no longer used as a method to measure the health of a bank. CAMELS method was replaced by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) to measure and assess the health of a bank. This research conducted on the four Government Banks (Bank Mandiri, BNI, BTN, and BTN) from the year 2009-2012 with comparative descriptive method. The results of Risk Profile factor that use the analysis tool of NPL to measure Credit Risk showed that Bank Mandiri, BNI, BRI into the category of the healthy bank, while BTN decreased slightly in the rankings in 2012 from a healthy bank into the fairly healthy bank. Meanwhile, the assessment results of liquidity risk that calculated use analysis tool of LDR showed that Bank Mandiri and BNI into the category of the very healthy bank, BRI tend to stable with healthy bank category, but BTN into the category of poorly bank. The result of self-assessment Good Corporate Governance showed that four Government Banks have been successfully implemented Good Corporate Governance very well. The result of Earnings factor that uses the analysis tool of ROA showed that four Government Banks as a healthy bank. The result of the Capital factor that uses the analysis tool of CAR generally showed that four Government Banks into the category of the very healthy bank. Keywords: Health of Bank, Assessment, Government Bank, RGEC, Good Corporate Governance

scholarly journals Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) (Studi Pada Bank yang Termasuk Saham LQ45 Sub Sektor Perbankan Tahun 2010–2016)

2018 ◽  
Vol 10 (1) ◽  
Author(s):  
Bobby Wijaya
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This paper seeks to find out the health level of banks in Indonesia Stock Exchange LQ45 Index. It used descriptive methods with qualitative approach that is Risk Based Bank Rating (RBBR) model. RBBR model consists of 4 factors among others: risk profile, good corporate governance (GCG), earnings and capital factor.The analytical tool used in this study is the assessment of the level of health of banks in Indonesia Stock Exchange LQ45 Index against the risk factor using the ratio of net performing loans (NPLs) and Loan to Deposit Ratio (LDR), a factor of corporate governance by using the self-assessment report of good corporate governance, the earnings factor using the ratio of return on assets (ROA) and net interest margin (NIM) and the factor of capital using the ratio of capital adequacy ratio (CAR). The results showed that there are several banks which have "Less Healthy", "Healthy Enough", "Pretty Good". Bank Mandiri, BRI and BNI received the predicate of "Pretty Good" in risk profile factor for liquidity risk, whereas Bank BTN received the predicate of "Healthy Enough". Also, Bank BTN received the predicate of "Healthy Enough" and "Pretty Good" in earnings factor specifically ROA and GCG factor. Keywords:Indonesia Stock Exchange LQ45 Index, Health Level of Banks, Risk Based Bank Rating (RBBR) Model.

scholarly journals PERBANDINGAN TINGKAT KESEHATAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL)

2020 ◽  
Vol 4 (4) ◽  
pp. 635-653
Author(s):  
Zara Zettyra R. D ◽  
Evi Mutia
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Risk Profile ◽  
T Test ◽  
Islamic Banks ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Significant Difference

The purpose of this study was to see a comparison of the health levels of conventional commercial banks and Islamic commercial banks using the RGEC method in the 2014-2017 period. The sample of this study were 30 conventional commercial banks and 11 sharia commercial banks. The assessment used uses the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) Risk Profile seen through the NPL and NPF indicators for conventional commercial banks while Islamic banks use LDR and FDR. Corporate governance is measured through Self Assessment. Earnings are measured through ROA and NIM indicators. Capital is measured based on the CAR indicator. Testing the hypothesis in this study using the Independent T-Test and Mann-Wnithey Test samples. The results of this study indicate that there is a difference between conventional commercial banks and Islamic commercial banks seen from the ratio of NPL, LDR, and ROA. While the ratio of GCG, NIM, and CAR does not have a significant difference between conventional commercial banks and Islamic commercial banks.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL)? Studi pada PT BPR SINAR KUTA Periode 2016-2018

2020 ◽  
Vol 11 (01) ◽  
Author(s):  
I Komang Gede ◽  
Tri Ratnawati
Keyword(s):  
Corporate Governance ◽  
Factor Analysis ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Bank Performance ◽  
Good Management ◽  
Good Corporate Governance ◽  
Bank Soundness

The results of this study indicate that based on the analysis of the BPR Sinar Kuta NPL formula in 2018 increased every year 2016 = 2.55%, 2017 = 3.12%, and 2018 =3.75%. and Liquidity risk using two ratios, namely LDR and LAR, has increased anddecreased. This shows that BPR Sinar Kuta has good profitability towards third partyrefunds. GCG Bank Sinar Kuta also has very good management as evidenced from 2016 -2018 showing a good composite predicate by determining a healthy bank valuation matrixbased on Bank Indonesia Regulation No.13 and the predicate is that all the compositevalues are still in greater or equal rules with (?) 1.5. When viewed from CAR, BankSinar Kuta is ranked 5th, it shows that Bank Sinar as a BPR Bank has a reasonable levelof health. Keywords: Factor Analysis, Bank Soundness, Bank Performance, RGEC

scholarly journals Pengaruh RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital) terhadap Nilai Perusahaan (Studi Kasus Perusahaan Perbankan di BEI 2016-2018)

2021 ◽  
Vol 17 (1) ◽  
pp. 78-85
Author(s):  
Ni Putu Sita Prabawati ◽  
◽  
Norma Dewi Abdi Pradnyani ◽  
Desak Putu Suciwati ◽  
◽  
...  
Keyword(s):  
Corporate Governance ◽  
Risk Profile ◽  
Tobin’S Q ◽  
Self Assessment ◽  
Tobin's Q ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Interest Margin

Tujuan penelitian ini untuk mengetahui pengaruh Profil Risiko, Good Corporate Governance, Earnings, Capital, dan pengaruh RGEC secara bersama-sama terhadap nilai perusahaan yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2016-2018. Penelitian ini menggunakan 44 bank dengan jumlah sampel 132. Pengumpulan data menggunakan metode observasi non partisipan. Profil risiko diukur dengan Non Performing Loans (NPL) dan Loans to Deposit Ratio. GCG diukur dengan self assessment, sedangkan Earnings diukur dengan ROA, dan Net Interest Margin (NIM). Modal diukur dengan Capital Adequancy Ratio (CAR), sedangkan nilai perusahaan dihitung menggunakan rumus Tobin's Q. Teknik analisis data yang digunakan adalah teknik analisis regresi linier berganda. Hasil penelitian ini menunjukkan: (1) Profil Risiko berpengaruh negatif dan signifikan terhadap nilai perusahaan. (2) Good Corporate Governance berpengaruh positif dan signifikan terhadap nilai perusahaan. (3) Laba berpengaruh positif dan signifikan terhadap nilai perusahaan. (4) Modal berpengaruh positif dan signifikan terhadap nilai perusahaan. (5) RGEC secara bersama-sama berpengaruh signifikan terhadap nilai perusahaan.

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