PENGARUH RISK BASED BANK RATING TERHADAP TINGKAT KESEHATAN BANK PERKREDITAN RAKYAT

Abstract

This research aimed to find out the influence of Risk Based Bank Rating to the healthy level of rural banks at PT. BPR Sinardana Buana 2013-2016 periods. The level of healthy bank was influenced by several factors among others were Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC). The data collection technique of this research used interview related with company profile and collection of financial statement data at PT. BPR Sinardana Buana 2013-2016. The data analysis method used multiple linear regressions analysis to examine the influence of independent variable to the dependent variable. The model feasibility test (fit test) and determination coefficient test was conducted to examine the hypothesis with level of trust of 5% with the instrument of SPSS application for windows. The analysis result of showed that not all of the independent variables gave significant influence to the healthy level of BPR. Two variables i.e. good corporate governance showed negative and significant influence to the healthy level of BPR. This indicated that the smaller of good corporate governance as well as the healthy level of bank should be increased. Moreover, the earnings variable showed positive and significant influence to the healthy level of BPR. This indicated that the greater the value of earning so that the healthy level of bank should be increased. Meanwhile, the variable of Risk Profile and Capital did not gave any significant influence to the healthy level of BPR.
Keywords: Healthy level of Bank, risk profile, good corporate governance, earning, capital