| dc.contributor |
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| dc.contributor |
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| dc.creator |
Anthy, Henty |
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| dc.creator |
Hidayat, Asep Ramdan |
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| dc.creator |
Nurdin, Nurdin |
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| dc.date |
2016-08-09 |
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| dc.date.accessioned |
2016-12-05T09:57:35Z |
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| dc.date.available |
2016-12-05T09:57:35Z |
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| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/view/3471 |
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| dc.identifier.uri |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/view/3471 |
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| dc.description |
The ratio of bank rating risk based bank rating consists of four tasks: aspects of the risk profile, good corporate governance, profitability, and capital. Methods of risk based bank rating is applied to make the banks more resilient to the crisis and create a stable banking performance and grow. Given this method, banks are required to meet the standards of the financial ratios and other aspects of the provision which is the crucial factor. However, since the implementation of risk based bank rating, banking performance was even more decreased including mega syariah bank. Performance mega syariah bank experienced a significant decline and is in a position that does not comply with health standards. Based on these gaps, points formulated problem is: How is the development of NPF ratio, ROA, CAR, and ROE mega syariah bank? How do the NPF ratio on ROE mega syariah bank? How to influence the ROE ROA ratio mega syariah bank? How does a Capital Adequacy Ratio of the bank ROE mega sharia? The purpose of this study is to answer all the points the formulation of the problem. The method used is quantitative method of verification is to analyze the risk-based ratios of bank rating and examine its impact on ROE through statistical tests. Source of this research is secondary data that is published financial statements of mega syariah bank for 8 periods of the period 2008-2015. Based on the research results, conclusions obtained NPF, ROA, and CAR mega syariah banks overall have increased over a period of 8 years with a total increase of respectively achieving 21:49%, 46.46%, and 7:03%. ROE development of mega syariah bank in the 2008-2013 period as a whole also increased with a total increase of 19.38%. However ROE mega syariah bank experienced a remarkable decline exhibited significantly in the period 2014-2015. With a total decrease of of 48.93%. While the influence of NPF, ROA, and ROE KPMM against namely: Variable NPF significant effect on ROE with a sign value 0.001> 0.05 and t calculate equal to 3,589> t table 2.04. Variable BOPO significant effect terhdapa sign ROE value 0.000> 0.05 and t calculate equal to 5.265> t table 2:04. CAR variables significantly influence the value of ROE by 0017 signing of <0.05 and t calculate equal to 2.546> t table 2. |
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| dc.description |
Penilaian tingkat kesehatan bank rasio risk based bank rating terdiri dari empat yaitu: aspek risk profile, good corporate governance, rentabilitas, dan permodalan. Metode risk based bank rating ini diterapkan agar bank lebih tahan terhadap krisis dan menciptakan kinerja perbankan yang stabil dan tumbuh. Dengan adanya metode ini, bank dituntut untuk memenuhi standar-standar rasio-rasio keuangan maupun aspek-aspek ketentuan lainnya yang merupakan faktor yang krusial. Namun sejak diterapkannya risk based bank rating, kinerja perbankan justru semakin menurun termasuk bank mega syariah. Kinerja bank mega syariah mengalami penurunan yang signifikan dan berada dalam posisi yang tidak sesuai dengan standar kesehatan. Berdasarkan gap tersebut, poin masalah yang dirumuskan adalah: Bagaimana perkembangan rasio NPF, BOPO, KPMM, dan ROE bank mega syariah? Bagaimana pengaruh rasio NPF terhadap ROE bank mega syariah? Bagaimana pengaruh rasio BOPO terhadap ROE bank mega syariah? Bagaimana pengaruh rasio KPMM terhadap ROE bank mega syariah? Tujuan dari penelitian ini adalah untuk menjawab semua poin rumusan masalah tersebut. Metode penelitian yang digunakan adalah metode kuantitatif verifikatif yaitu dengan menganalisa rasio-rasio risk based bank rating dan meneliti pengaruhnya terhadap ROE melalui uji statistik. Sumber penelitian ini adalah data sekunder yaitu laporan keuangan publikasi bank mega syariah selama 8 periode dari periode 2008-2015. Berdasarkan hasil penelitian, simpulan yang diperoleh adalah NPF, BOPO, dan KPMM bank mega syariah secara keseluruhan mengalami peningkatan dalam kurun waktu 8 tahun dengan total peningkatan masing-masing mencapai 21.49%, 46.46%, dan 7.03%. perkembangan ROE bank mega syariah pada periode 2008-2013 secara keseluruhan juga meningkat dengan total peningkatan sebesar 19,38%. Namun ROE bank mega syariah mengalami penurunan yang luar biasa signfikan pada periode 2014-2015. Dengan total penurunan sebesar sebesar 48,93%. Sedangkan pengaruh NPF, BOPO, dan KPMM terhadap ROE yaitu: Variabel NPF berpengaruh signifikan terhadap variabel ROE dengan nilai sign 0.001 < 0.05 dan t hitung sebesar 3,589 > t tabel 2,04. Variabel BOPO berpengaruh signifikan terhdapa variabel ROE dengan nilai sign 0.000 < 0.05 dan t hitung sebesar 5,265 > t tabel 2.04. Variabel KPMM berpengaruh signifikan terhadap variabel ROE dengan nilai sign 0.017 < 0.05 dan t hitung sebesar 2,546 > t tabel 2,04. |
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| dc.format |
application/pdf |
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| dc.language |
ind |
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| dc.publisher |
Proceedings of Finance & Islamic Banking |
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| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
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| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/view/3471/pdf |
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| dc.rights |
##submission.copyrightStatement## |
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| dc.source |
Proceedings of Finance & Islamic Banking; Vol 2, No 2, Prosiding Keuangan & Perbankan Syariah (Agustus 2016); 662-666 |
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| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 2, No 2, Prosiding Keuangan & Perbankan Syariah (Agustus 2016); 662-666 |
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| dc.source |
2460-2159 |
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| dc.subject |
Proceedings of Financial Institutions & Syariah Banking |
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| dc.subject |
Risk Based Bank Rating, NPF, BOPO, KPMM, ROE. |
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| dc.subject |
Keuangan & Perbankan Syariah |
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| dc.subject |
Risk Based Bank Rating, NPF, BOPO, KPMM, ROE. |
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| dc.title |
Effect of Risk Based Bank Rating Ratio to Return on Equity Bank Mega Shari'a |
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| dc.title |
Pengaruh Tingkat Rasio Risk Based Bank Rating terhadap ROE Bank Mega Syariah |
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| dc.type |
info:eu-repo/semantics/article |
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| dc.type |
info:eu-repo/semantics/publishedVersion |
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| dc.type |
Artikel yang dipeer-review |
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| dc.type |
kualitatif |
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| dc.type |
qualitative |
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