ANALISIS TINGKAT KESEHATAN BPRS BERDASARKAN METODE RISK BASED BANK RATING (RBBR) TERHADAP POTENSI FINANCIAL DISTRESS
Abstract
The research aims at analyzing the influence of NPF (Non Perforning Financing), FDR (Financing to Deposit Ratio), BOPO (Operational Expense towards Operational Income), ROA (Return On Assets), and CAR (Capital Adequacy Ratio) towards BPRS heatlh rangkings based on RBBR method and predicting financial distress potential in BPRS in Yogyakarta Special Region. This research was quantitative in nature. The research methodology used was logistic regression analysis using helping program of IBM SPSS version 23. The sample used was 5 BPRS (Sharia’s Financing Banks) in Yogyakarta Special Region in 2014-2017 period. The result of the research shows that there are 2 BPRS in Composite Ranking 5 with unhealthy condition and Composite Ranking 4 with less healthy condition in 2014-2015 period, and there were 3 BPRS in Composite Ranking 1 with very healthy condition and Composit Ranking 2 with healthy condition. Based on the result of the logistic regression test, it shows that the variables of NPF, FDR, BOPO, and ROA do not have significant influence towards financial distress potential on BPRS in Yogyakarta Special Region. CAR has significant influence with negative direction towards financial distress potential on BPRS in Yogyakarta Special Region.