ANALISIS TINGKAT KESEHATAN BANK BERDASARKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL PADA BANK PERKREDITAN RAKYAT DI KOTA JAMBI PERIODE 2017-2022

Lola Tria Agustin, 1900861201272 (2023) ANALISIS TINGKAT KESEHATAN BANK BERDASARKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL PADA BANK PERKREDITAN RAKYAT DI KOTA JAMBI PERIODE 2017-2022. skripsi thesis, Universitas BATANGHARI Jambi.

Text (ANALISIS TINGKAT KESEHATAN BANK BERDASARKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL PADA BANK PERKREDITAN RAKYAT DI KOTA JAMBI PERIODE 2017-2022) Lola Tria Agustin 1900861201272.pdf - Published Version Download (2MB)

Abstract

ABSTRACT Lola Tria Agustin / 1900861201272 / 2023 / FACULTY OF ECONOMICS MANAGEMENT / ANALISIS OF BANK HEALTH LEVEL USING RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC) ON PEOPLE’S CREDIT BANKS IN THE CITY OF JAMBI FOR THE PERIOD 2017-2022 / 1^stADVISOR DR. HJ. ARNA SURYANI, S.E., M.AK., AK., C.A. CMA / 2^nd ADVISOR AHMADI, S.E., M.M. This research aims to know the analysis of bank health level using Risk Profile, Good Corporate Governance, Earning, Capital (RGEC) on people’s credit banks in the city of Jambi for the period 2017-2022. The average data for the period in NPL ratio is 10,20%, IRR ratio is 277,48%, LDR ratio is 78,98%, LAR ratio is 88,23%, GCG is 1,56%, ROA ratio is 3,78%, ROE ratio is 17,37%, NIM ratio is 5,46%, BOPO ratio is 82,16%, CAR ratio is 27,07%. This research was taken because there was no conclusion in the latest years research from previous study. The data used in this research is quantitative data sources from secondary data. the data used in this research obtained from the financial statement of Otoritas Jasa Keuangan in the 2017-2022 period using the RGEC analysis method. the indicators used are Non Performing Loans, Interest Rate Risk, Loan to Deposit Ratio, Loan to Asset Ratio, Good Corporate Governance, Return On Asset, Return On Equity, Net Interest Margin, Operating Agency Operating Income, Capital Adequacy Ratio as an independent variable and the Bank's Health Level as the dependent variable. The population of this study are banking companies in the category of people's credit banks in the city of Jambi which are registered with the financial services authority for 2017-2022, totaling 6 companies. in this study the entire population was selected as the research sample. Based on the result of the study using a component ranking criteria matrix, known values are in the health category, NPL, IRR, LDR, LAR is in the healthy, GCG is in the very healthy category, ROA, ROE, NIM, BOPO is in the very healthy category, CAR is in the very healthy category. Based on the results of the research as a whole, the results of the analysis show that the soundness of the people's credit banks in the city of Jambi in 2017-2022 using the RGEC method is in Composite Rating 1 (PK-1) or a very healthy category. This means that during this period, banks are considered capable of facing negative impacts from changes in business conditions and other external factors. although it is a weakness, in general the weakness is not significant.

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