ANALISIS VARIABEL PROKSI RISK BASED BANK RATING (RBBR) TERHADAP PROBABILITAS POTENSI KEBANGKRUTAN BANK UMUM SYARIAH
Abstract
This study aims to analyze the risk based bank rating (RBBR) proxy variable on the probability of bankruptcy of Islamic Commercial Banks. This study analyzes the influence of the ratio of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Return on Assets (ROA), Return on Equity (ROE), Operational Efficiency Ratio (BOPO), Net Operating Margin (NOM), and Capital Adequacy Ratio (CAR) to the probability of bankruptcy of Sharia Commercial Banks. This research is a descriptive study with a quantitative approach. The sampling technique uses purposive sampling. The sample used was seven Islamic Comercial Banks during the period of 2013 to 2017. The analysis used was logistic regression analysis, with the help of a stata application. The results showed that partially NPF, ROA, and BOPO variables had a significant effect on the probability of potential bankruptcy. Meanwhile, the FDR, GCG, ROE, NOM, and CAR variables did not show a significant effect. Variable ROA is the most dominant variable affecting the dependent variable. Simultaneously, independent variables affect the dependent variable