ANALISIS RISK BASED BANK RATING (RBBR) UNTUK MENGUKUR TINGKAT KESEHATAN BANK

Authors

  • Muhammad Irji Fachriji Universitas Pamulang
  • Nardi Sunardi

Abstract

Tujuan penelitian ini adalah untuk mengetahui tingkat kesehatan bank BUMN yang terdaftar di Bursa Efek Indonesia tahun 2018-2022 dengan menggunakan pendekatan rating bank berbasis risiko. Jenis penelitian yang digunakan adalah deskriptif kuantitatif. Teknik sampel yang digunakan adalah teknik purposive sampling, sampel diperoleh dari pertimbangan kriteria tertentu dan diperoleh 4 Bank BUMN sebagai sampel yaitu Bank Rakyat Indonesia (BRI), Bank Mandiri, Bank Nasional Indonesia (BNI) dan Bank Tabungan Negara (BTN). Data dikumpulkan dari laporan keuangan bank yang telah dipublikasikan bank tersebut di Bursa Efek Indonesia selama periode 2018-2022. Hasilnya menunjukkan bahwa seluruh bank memiliki peringkat sehat, khususnya Bank Rakyat Indonesia (BRI), karena mampu mengelola risiko dengan baik. Selanjutnya Bank Mandiri tergolong bank dengan peringkat sehat dan Bank Nasional Indonesia (BNI). Sementara itu, kinerja Bank Tabungan Negara (BTN) juga cukup baik, namun dari sisi likuiditas cukup tinggi sehingga disarankan kepada bank untuk memperbaiki manajemen risiko likuiditasnya.

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Published

2023-12-01

Issue

Vol. 2 No. 3 (2023): Jurnal Ilmiah Ilmu Manajemen Magister

Section

Articles

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Open Access

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