Analisis Kesehatan Perbankan Pada PT. Bank Rakyat Indonesia (Persero) Tbk.

Abstract

ABSTRAK

 

Penelitianinibertujuanuntukmengetahuikesehatanperbankan PT Bank Rakyat Indonesia (Persero) Tbk. denganmenggunakanmetode RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) secarakeseluruhan pada periode 2014-2018 dan sesuaidenganPeraturan Bank Indonesia No. 13/1/PBI/2011 dan Surat Edaran Bank Indonesia No.13/24/DPNP/2011. Penelitianinimerupakanpenelitiandeskriptifkuantitatifmenggunakanperhitunganmetode RGEC. PenilaianRisk Profile (ResikoProfil)menggunakanresikolikuiditasyaiturasio LDR dan resikokredityaiturasio NPL. PenilaianEarnings (Rentabilitas)menggunakan ROA, NIM dan BOPO. SedangkanuntukCapital (Permodalan)penilaiannyamenggunakan (CAR). Hasil penelitiankesehatanperbankan PT Bank Rakyat Indonesia (Persero) Tbk.  selamatahun 2014-2018 menunjukkanbahwaIndikatorRisk Profile daritahunketahundengannilai LDR berturut-turut 79,56%, 84,38%, 85,28%, 85,42% dan 86,84% dengankategoriSehat dan CukupSehat. Kemudiannilai NPL berturut-turut 1,26%, 1,17%, 1,06%, 1,10% dan 1,17% dengankategoriSangat Sehat. IndikatorEarnings daritahunketahundengannilai ROA berturut-turut 3,84%, 3,70%, 3,39%, 3,28% dan 3,22% dengankategoriSangat Sehat. Kemudiannilai NIM yaituberturut-turutsebesar 7,07%, 7,45%, 6,60%, 6,47% dan 6,59% dengankategoriSangat Sehat. Dan nilai BOPO yaituberturut-turutsebesar 45,88%, 56,83%, 59,18%, 60,54% dan 59,66% dengankategoriSangat Sehat. IndikatorCapital yaitu CAR berturut-turutdengankategoriSangat Sehatdimanamemperolehnilaidaritahunketahunyaitu 20,87%, 21,06%, 23,65%, 23,85% dan 22,63%. Berdasarkanseluruhaspekpenilaian RGEC diperolehkesehatan PT Bank Rakyat Indonesia (Persero) Tbk. dalamkondisiSangat Sehatdenganperingkatkomposit 1, dimananilai yang diperolehberturut-turutadalah96,66%, 96,66%, 96,66%, 93,33%, 93,33%.

 

Kata Kunci : BRI, Kesehatan Bank, Metode RGEC.

 

ABSTRACT

 

This study aims to determine the banking health of PT Bank Rakyat Indonesia (Persero) Tbk.  by using the overall RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) method in the 2014-2018 period and in accordance with Bank Indonesia Regulation No.  13/1 / PBI / 2011 and Bank Indonesia Circular Letter No 13/24 / DPNP / 2011.  This research is a quantitative descriptive study using the RGEC calculation method.  Risk Profile Assessment uses liquidity risk, namely LDR ratio and credit risk, namely NPL ratio Earnings (Rentability) uses ROA, NIM and BOPO. While for Capital (Capital), the assessment uses (CAR) The results of banking health research PT Bank Rakyat Indonesia (  Persero) Tbk.  during 2014-2018 shows that Risk Profile Indicators from year to year with LDR values respectively 79.56%, 84.38%, 85.28%, 85.42% and 86.84% with the category of Healthy and Fairly Healthy  .  Then the NPL values are 1.26%, 1.17%, 1.06%, 1.10% and 1.17% with the category Very Healthy Indicators Earnings from year to year with ROA values respectively 3.84%  , 3.70%, 3.39%, 3.28% and 3.22% in the Very Healthy category.  Then the NIM values are respectively 7.07%, 7.45%, 6.60%, 6.47% and 6.59% with the Very Healthy category.  And the BOPO value is 45.88%, 56.83%, 59, 18%, 60.54% and 59.66% respectively with the Very Healthy Capital Indicator category CAR which is in the Very Healthy category which scores  from year to year namely 20.87%, 21.06%, 23.65%, 23.85% and 22.63% Based on all aspects of RGEC assessment obtained the health of PT Bank Rakyat Indonesia (Persero) Tbk in a very healthy condition with a rating  composite 1, where the values obtained were 96.66%, 96.66%, 96.66%, 93.33%, 93.33%. 

 

Keywords: BRI, Bank Health, RGEC Method.