GDL

Analysis of RGEC Method in Predicting Financial Distress in Sharia Commercial Banks in Indonesia for the 2014-2017 Period

Skripsi, 013 / 2019 / KS
Undergraduate Theses from JBPTPPOLBAN / 2020-01-09 11:05:20
Oleh : Hesti Tri Lestari - 155144013 (hestitrilestari14@gmail.com)
Dibuat : 2020-01-09, dengan 4 file

Keyword : Metode RGEC, Financial Distress, Bank Umum Syariah
Subjek : RGEC Method, Financial Distress, Sharia Commercial Banks

Bank Syariah memiliki peran penting di setiap negara termasuk Indonesia. Bank bertujuan untuk menjaga pertumbuhan ekonomi dan stabilitas keuangan nasional. Penelitian ini menganalisis serta mengukur penerapan dan kemampuan Metode RGEC atau pendekatan Bank Rating (RBBR) berbasis risiko dalam memprediksi financial distress pada Bank Umum Syariah di Indonesia periode 2014 sampai dengan 2017. Variabel yang diteliti adalah Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Return On Asset (ROA), dan Capital Adequacy Ratio (CAR). Hasil penelitian menunjukkan bahwa metode RGEC dapat diterapkan dan mampu memprediksi financial distress pada bank umum syariah di Indonesia dengan menggunakan analisis diskriminan dan keakuratan klasifikasi menggunakan hitungan Press’ Q Statistic. Kata kunci: Metode RGEC, Financial Distress, Bank Umum Syariah.

Deskripsi Alternatif :

Islamic banks have an important role in every country including Indonesia. The bank aims to maintain economic growth and stability in national finance. This study analyzes and measures the application and capability of the RGEC Method in a risk-based Bank Rating (RBBR) approach in predicting financial distress in Sharia Commercial Banks in Indonesia for the 2014-2017 period. Variables studied were Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) , Good Corporate Governance (GCG), Return On Assets (ROA), and Capital Adequacy Ratio (CAR). The results of the study indicate that the RGEC method can be applied and is able to predict financial distress in Islamic commercial banks with Dicriminant Analysis and the accuracy of classification using the Press’Q Statistic. Keywords: RGEC Method, Financial Distress, Sharia Commercial Banks.

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