PENGARUH PENILAIAN KESEHATAN BANK BERDASARKAN PERATURAN BANK INDONESIA NOMOR 13/1/PBI/2011 TERHADAP PROFITABILITAS BANK
Abstract
This research was conducted to analyze the effect of bank health
assessment based on Indonesian Bank regulation number 13/1/PBI/2011 using
liquidity risk, GCG, earnings, and capital (RGEC) method toward bank
profitability, precisely on conventional Foreign Exchange BUSN and those listed
on the Stock Exchange in 2014-2017. In choosing the sample, this study used a
purposive sampling method, which obtained 23 banks that met the sample
criteria. In addition, this study also uses secondary data in the form of annual
reports and GCG publication reports obtained from the bank's website. To
process the data, this study uses an analytical tool in the form of an application
named E-views version 10.
Based on the results of the analysis that has been done, the results
obtained are liquidity risk, GCG and capital have no significant effect on
profitability. Meanwhile, earnings have a negative and significant influence on
profitability. Simultaneously, liquidity risk, GCG, earnings, and capital have a
significant effect on profitability. The results of this study indicate that the
profitability of conventional Foreign Exchange BUSN banks can be explained by
the risk of liquidity, GCG, earnings and capital of 93.4817% and as much as
6.5183% explained by other factors outside the independent variables in this
study