Skripsi

Perbandingan tingkat kesehatan pada BPR konvensional dan syariah di Jawa Timur periode 2015-2016 (penerapan metode Altman Bankruptcy Formula dan RGEC) / Arista Dian Permana

Abstrak
ABSTRAK Permana Arista Dian. Perbandingan Tingkat Kesehatan BPR Konvensionaldan BPR Syariah di JawaTimurPeriode 2015-2016 PenerapanMetode Altman Bankruptcy Formula dan RGEC. Skripsi JurusanManajemenFakultasEkonomiUniversitasNegeri Malang. Pembimbing Dr. H. AgungWinarno M.M. Kata Kunci Tingkat Kesehatan BPR Konvenional Tingkat Kesehatan BPR Syariah Altman Bankruptcy Formula RGEC Industri Bank Perkreditan Rakyat memilikiprospek yang sangatterbukaluasseiringpeningkatanjumlahpelakuusahakecildanmenengah.Dengandemikiandibutuhkanperhatianterhadaptingkatkesehatan BPR agar mampumempertahankaneksistensinya.Berdasarkanketentuan Bank Indonesia salahsatumetodedalammengukurtingkatkesehatan bank adalah RGEC yang meliputiRisk Profile Good Corporate Governance Earning danCapital.Selainitu metodediskrimankeuangan (Altman Z-score) jugamemilikidayadalampengukurantingkatkesehatansuatu bank. Penelitianinibertujuanuntukmengujiapakahterdapatperbedaanantaratingkatkesehatan BPR konvensionaldantingkatkesehatan BPR syariahberdasarkanmetode RGEC dan Altman.Populasipenelitiannya BPR konvensionaldan BPR syariah yang dinyatakanmasihaktifberoperasi di wilayahJawaTimur.Pengambilansampelmasing-masingsebesarlima BPR konvensionaldansyariah yang diambildenganmetoderandom sampling. Analisis data yang digunakanadalahindependent sample t-test. Hasilpenelitianinimenunjukkanbahwa (1) Berdasarkanmetode RGEC BPR konvensionalberadapadakondisi yang tidaksehatapabiladilihatdarirasio NPL LDR dan NPM sedangkanrasio CR ROA dan CAR menyatakanbahwa BPR konvensionalberadapadakondisi yang sehat. Untuk BPR syariahdinyatakanberadapadakondisi yangtidaksehatberdasarkanrasio NPL LDR ROA dan NPM sedangkanrasio CR dan CAR menyatakanbahwa BPR syariahberadapadakondisi yang sehat. (2) Berdasarkanmetode Altman BPR konvensionalberadapadakondisi yang tidakmengalamimasalahdalamkondisikeuangannya sedangkan BPR syariahberadapadagray area. (3) Terdapatperbedaan yang signifikanantaratingkatkesehatanBPR konvensionaldengan BPR syariahdilihatdarirasio NPL CR ROA NPM dan CAR. Sedangkanpadarasio LDR memperlihatkantidakterdapatperbedaan yang signifikan. (4) Terdapatperbedaan yang signifikanantaratingkatkesehatan BPR konvensionaldan BPR syariahberdasarkanmetode Altman. Berdasarkanhasilpenelitianini dapatdisarankanuntukpenelitianselanjutnyadiharapkandapatmemasukkankomponenGood Corporate Governance agar dapattercermintingkatkesehatan bankberdasarkanmetode RGEC yang seutuhnya. ABSTRACT Permana Arista Dian. The Comparation Between Conventional Rural Bank and Syariah Rural Bank s Soundness in East Java 2015-2016 Application of Altman Bankruptcy Formula and RGEC Method. Thesis Management Department Faculty of Economy UniversitasNegeri Malang. Advisor Dr. H. AgungWinarno M.M. Keywords Conventional Rural Bank Soundness Syariah Rural Bank Soundness Altman Bankruptcy Formula RGEC Rural Bank Industry has an open-wide prospect along with the increase of small and medium businesses number. Thus attention to rural bank soundness is needed so it will be able to maintain the existence. According to determination of Bank Indonesia RGEC is one of the methods to measure bank soundness which consist of Risk Profile Good Corporate Governance Earning and Capital. Besides economic discriminant method (Altman Z-score) also has a power in measurement of bank soundness. The objective of this study is to test whether there is a difference between conventional rural bank soundness and syariah rural bank soundness based on RGEC and Altman Method. The population includes Conventional Rural Bank and Syariah Rural Bank which clarified as operated actively in East Java. Each sample taking consist of five Rural Bank Conventional and Syariah taken with using random sampling. Data Analysis used is independent sample t-test. The research result shows that (1) According to RGEC method Conventional Rural Bank are not in good condition if seen from NPL LDR and NPM ratio besides CR ROA and CAR stated that Conventional Rural Bank are in good condition. Unlike the Conventional Syariah Rural Bank are not in good condition according to NPL LDR ROA and NPM ratio while CR and CAR ratio stated that they are in good condition. (2) According to Altman method conventional rural bank does not have a problem with their financial while Syariah rural bank is in gray area. (3) There is a significant difference between Conventional and Syariah Rural Bank soundness seen from NPL CR ROA NPM and CAR ratio. Besides LDR ratio shows that there is no a significant difference. (4) There is a significant difference according to Altman Method between Conventional and Syariah Rural Bank soundness. Based on the research result future students and next researches are expected to put Good Corporate Governance component in order to be reflected on banks soundness based on RGEC methodsthoroughly.

Informasi Detail

DDC

Rs 332.1068 PER p

Prodi

Universitas Negeri Malang. Program Studi Manajemen, 2017.

Deskripsi Fisik

ix, 106 lembar; il.; tab.; 30 cm

Bahasa

Indonesia

No Reg

02018/KI/17

Edisi

Skripsi (Sarjana)-- Universitas Negeri Malang. 2017

Subjek

1. BANK DA PERBANKAN - ASPEK MANAJEMEN
2. BANK AND BANKING - MANAGEMENT ASPECT

Pembimbing

1. Agung Winarno

Lampiran Berkas