scholarly journals Pengaruh RGEC (Risk Profile, Good Corporate Governance Earning, Capital) terhadap Financel Distress

Owner ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 107-118
Author(s):  
Fikri Hakim Ermar ◽  
Suhono Suhono
Keyword(s):  
Corporate Governance ◽  
Financial Distress ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Sample Data

This study aims to determine the effect of RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) on Financial Distress in banks listed on The Indonesia Stock Exchange (IDX) for the period of 2016-2019. The sample data used is the result of the purposive sampling technique and the samples declared worthy to be utilized are 21 banks. During the study conducted, the method was adopted which is a method of logistic regression analysis using SPSS 25 program aid. The results of the research show that the variables that are known can affect the Financial Distress is Return On Asset affect negatively and significantly. Meanwhile, variables that do not affect Financial Distress are Non-Performing Loan (NPL), Loan to Deposit Ratio, Good Corporate Governance, and Capital Adequacy Ratio. Simultaneously Non Performing Loans, Loan to Deposit Ratio, Good Corporate Governance, Return on Assets and Capital Adequacy Ratio have a significant effect on Financial Distress.

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 Pengaruh Komponen Risk Based Bank Rating Pada Nilai Perusahaan Perbankan

2019 ◽  
Vol 29 (2) ◽  
pp. 883
Author(s):  
Ketut Krisna Savitri ◽  
I Wayan Ramantha
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to empirically examine the effect of the risk-based bank rating component as measured by non-performing loans, loan to deposit ratio, good corporate governance, return on assets and capital adequacy ratio on the value of banking companies listed on the Indonesia Stock Exchange (BEI) Year 2013-2017. The research sample was selected using the nonprobability sampling method with a purposive sampling technique and obtained as many as 6 banking companies, so that the number of observations with a study period of 5 years was 30 observations. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that non-performing loans and loan to deposit ratios have a negative effect on the value of banking companies. Return on assets and capital adequacy ratio have a positive effect on the value of banking companies and good corporate governance does not affect the value of banking companies. Keywords : Risk Based Bank Rating;  Company Value; Banking.

scholarly journals Indikator Risk Based Bank Rating, Kinerja Keuangan dan Perusahaan Perbankan

2021 ◽  
Vol 31 (3) ◽  
pp. 782
Author(s):  
Ida Bagus Made Bayu Indrawan ◽  
I Wayan Pradnyanta Wirasedana
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. Agency theory and Productive theory of credit are the theories used in this study. The study population is all Banking Companies listed on the Indonesia Stock Exchange (IDX) in 2014-2018 totaling 45 companies. The research sample of 30 companies with non-probability sampling method with purposive sampling technique. The data analysis technique used is multiple linear regression. The research results obtained by Non Performing Loans are considered negative, Loan to Deposit Ratio and Good Corporate Governance are not approved and are significant, Net Interest Margin and Capital Adequacy Ratio have positive and significant effect on financial performance. Keywords: Non Performing Loan; Loan to Deposit Ratio; Good Corporate Governance; Net Interest Margin; Capital Adequacy Ratio; Financial Performance.

scholarly journals THE INFLUENCE OF FINANCIAL RATIOS AND GOOD CORPORATE GOVERNANCE TOWARDS FINANCIAL DISTRESS ON ISLAMIC BANKS IN INDONESIA

2020 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Nandita Salatifa Diwanti ◽  
Purwanto .
Keyword(s):  
Corporate Governance ◽  
Financial Distress ◽  
Quantitative Research ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Financial Service Authority ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

<p>This research aims to empirically prove the influence of debt to total assets ratio, capital adequacy ratio, total assets turnover, return on assets, and good corporate governance towards financial distress by Altman Z-Score. This research uses the population of Islamic banks published in the Financial Service Authority during the period 2013-2018, where the data is collected from official bank websites. Adopting a quantitative research and has 72 observations from 12 banks in six years. The result shows that capital adequacy ratio and return on assets have significant positive influence towards financial distress. While debt to total assets ratio has the significant negative influence to financial distress. However, total assets turnover and good corporate governance have a negative insignificant influence to Financial Distress. Simultaneously, all independent variables have a significant influence on financial distress, which is indicated by a value of 59.9%.<strong></strong></p>

scholarly journals ANALISIS RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL GUNA MENILAI TINGKAT KESEHATAN BANK

2019 ◽  
Vol 2 (2) ◽  
Author(s):  
Sri Luayyi
Keyword(s):  
Corporate Governance ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

Analisis risk profile, good corporate governance, earning, capital guna menilai tingkat kesehatan bank yang dilakukan pada PT BPR Jwalita Trenggalek bertujuan untuk mengetahui tingkat kesehatan bank tahun 2016 dan 2017 ditinjau dari aspek Risk Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Data yang digunakan dalam penelitian ini adalah data primer. Data primer meliputi gambaran umum perusahaan, struktur organisasi, data penilaian tata kelola, serta laporan keuangan. Teknik analisa yang digunakan dalam penelitian ini adalah dengan metode analisis rasio keuangan dengan cara menghitung Non Perfoming Loan, Loan to Dept Ratio, Return On Assets, Capital Adequacy Ratio, sertamengolah data peniliaian tata kelola (GCG).Dari hasil penelitian menunjukkan bahwa selama tahun 2016 dan 2017: (1) Aspek Risk profile perusahaan berada dalam kondisi sehat dengan nilai NPL berturut-turut sebesar 4,42 persen dan 3,68 persen, LDR sebesar 80,65 persen, dan 81,80 persen. (2) Aspek GCG berada dalam kondisi sehat dengan nilai pada tahun 2016 sebesar 1,89 dan pada tahun 2017sebesar 1,85. (3) Aspek Earnings berturutut-turut berada dalam kondisi sangat sehat dengan nilai ROA sebesar 5,04 persen, dan 4,43 persen. (4) Aspek Capital berturut-turut berada dalam kondisi sangat sehat dengan nilai CAR sebesar 33,28 persen dan 56.17 persen. (5) Aspek RGEC secara keseluruhan berada dalam Peringkat Komposit 1 yaitu sangat sehat dengan nilai sebesar 88 persen.

scholarly journals Analysis of the effect of GCG quality on the financial performance of Islamic banks

2015 ◽  
Vol 5 (2) ◽  
pp. 119 ◽  
Author(s):  
Flowurrence Wibawanti Dewany
Keyword(s):  
Corporate Governance ◽  
Sampling Technique ◽  
Mean Value ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Islamic Banks ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

This research aims to know the effect of the quality of Good Corporate Governance implementation on the rate of return, measured using Return on Assets (ROA), the risk of financing, measured using Non Performing Financing (NPF), and capitals measured using Capital Adequacy Ratio (CAR) on Islamic Banks in Indonesia. The sampling technique used in this research is purposive sampling method with the limi-tation of Islamic Banks registered in Bank Indonesia, publish annual report and dis-close reports of Good Corporate Governance from 2010 to 2013. The result shows that the quality of Good Corporate Governance implementation on Islamic banks in Indo-nesia is categorized good, based on the composite mean value of 1.70676. The quality of Good Corporate Governance implementation has no effect on the rate of return and the risk of financing, but it has an effect on the capital.

scholarly journals Pengaruh Risk Profile, Good Corporate Governance, Earnings dan Capital pada Perubahan Harga Saham Bank

2018 ◽  
pp. 959
Author(s):  
Ni Putu Desy Wulandara Cahyani ◽  
IG.A.M Asri Dwija Putri
Keyword(s):  
Corporate Governance ◽  
Stock Price ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Price Changes ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Bank Stock

Stock is one of the financial instruments used by the company to obtain capital in an effort to strengthen its financial position. The demand for shares is largely determined by the performance of companies such as financial performance, risk handling within the company and the implementation of good corporate governance. Therefore, the bank must maintain and optimize the performance of the company, so that more investors are investing their funds in bank shares that have an impact on the increase of bank stock price. The study is aimed to determine the effect of risk profile, good corporate governance, earnings measured by return on assets and net interest margin and capital measured by capital adequacy ratio on bank stock price changes. The research was conducted at the banking companies registered at the Indonesian Stock Exchange in 2014-2016 with the total samples of 28 banking companies determined by purposive sampling method. The data analysis technique used was multiple linear regression. The results of this study indicated that the risk profile has a negative effect of bank stock prices changes. Moreover, good corporate governance, return on assets and net interest margin has a positive effect of bank stock prices changes. The capital adequacy ratio has no effect on bank stock price changes. Keywords: bank stock price changes, risk profile, good corporate governance, return on assets, net interest margin and capital adequacy ratio  

scholarly journals Pengaruh Komponen Risk-Based Bank Rating Terhadap Profitabilitas Bank Umum Syariah Di Indonesia (Periode 2011–2014)

2017 ◽  
Vol 3 (3) ◽  
pp. 173
Author(s):  
Bunga Aprigati Iskandar ◽  
Nisful Laila
Keyword(s):  
Corporate Governance ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Analysis Techniques ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Rating Method

This research aimed to know and analyze the influence of components of Risk based bank rating method (risk profile, Good Corporate Governance, earnings, and capital) to profitability of Islamic Bank in Indonesia, measured by Return On Assets (ROA). Whereas the ratio used in this research to represent the components of RGEC are risk profile measured by Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR), implementation of GCG by composite score of GCG, earnings by Operational Efficiency Ratio (OER), and capital by Capital Adequacy Ratio (CAR). Sample of this research are 11 Islamic Banks in Indonesia from 2011 to 2014. The analysis techniques used is multiple linear regression. Based on the analysis result, it can be concluded that NPF, FDR, GCG, OER, and CAR had simultaneous significant effect to ROA. Partially, NPF, FDR, and BOPO have significant effect to ROA. However, CAR and GCG don’t affect ROA significantly.

scholarly journals TINJAUAN TERHADAP FAKTOR INTERNAL PERUSAHAAN YANG MEMPENGARUHI FINANCIAL DISTRESS (Studi Empiris Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia)

2021 ◽  
Vol 1 ◽  
pp. 370-381
Author(s):  
Dwi Astuti ◽  
Shinta Permata Sari
Keyword(s):  
Financial Distress ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Financial Difficulties ◽  
Operational Costs ◽  
Capital Adequacy Ratio ◽  
Operational Activities

Financial distress is an indication that the company is in financial difficulties. This condition also occurs in banking companies, given the recent pandemic conditions that are disrupted the company's operational activities. Therefore, the company can take preventive measures by having attention to the health performance of the bank using financial ratios. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Return on Assets (ROA), Return on Equity (ROE), and Operational Costs and Income (BOPO) on financial distress. The population in this study are banking companies listed on the Indonesia Stock Exchange for the 2017-2019 period. Sampling is collected using the purposive sampling technique and obtained from 40 banking companies that meet the criteria. Data are analyzed using multiple linear regression. In this study, the result shows that Capital Adequacy Ratio and Operational Costs and Income have an effect on financial distress. Meanwhile, Non-Performing Loans, Return on Assets, and Return on Equity has no effect on financial distress.

scholarly journals PENGARUH KELOMPOK MANAJEMEN PUNCAK TERHADAP FINANCIAL DISTRESS : STUDI KASUS PADA PERUSAHAAN PERBANKAN DI INDONESIA

2019 ◽  
Vol 5 (2) ◽  
pp. 88
Author(s):  
Moh. Baqir Ainun
Keyword(s):  
Financial Distress ◽  
Stock Exchange ◽  
Control Variable ◽  
Capital Adequacy ◽  
Top Management ◽  
Return On Assets ◽  
Operating Income ◽  
Management Group ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This study aims to identify the influence between top management related to financial distress. This study uses data of banking who listed on the Indonesia Stock Exchange in 2016. The data analysis technique in this research using multiple regression analysis method with the control variable; Return on Assets (ROA), Operational Costs to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Cash Ratio (CR). The study discusses to support the stewardship theory that considers the top management group to have a mandate to the shareholders to manage the company and maintain the organization. However, the differences in the structure of the top management group will not affect their motivation to avoid financial stress. The results showed that the top management group had no significant effect on financial distress. This result is also shown the condition and structure of the top management group in the company still has the same goal which is to avoid financial distress.

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