Abstract
The purpose of this research is to analyze the influence ofROA, ROE, NIM, CKPN Credit, NPL, IRR, PDN, BOPO, FBIR, and LDR either simultaneously or partially towards Bank’s Determining Health Score. Population used in this research was National Private Foreign Commercial Bank in Indonesia. The sampling technique based on purposive sampling technique. The data was a secondary data. Samples were used documentation data. This research used Multiple Regression Analysis (MRA). Hypothesis test result, it found that ROA, ROE NIM, CKPN Credit, NPL, IRR, PDN, BOPO, FBIR and LDR have a significant influence on Determining Health Score of National Private Foreign Commercial Bank in Indonesia. While it means on partially that ROA has no positive significant effect, ROE has a positive significant effect, NIM has no negative significant effect, CKPN Credit has no positive significant effect, NPL has a negative significant effect, IRR has no positive significant effect, PDN has no positive significant effect, BOPO has no negative significant effect, FBIR has no negative significant effect and the last is LDR has no negative significant effect. Among all of the variables in this research, NPL is the most dominated variables on Determining Health Score of National Private Foreign Commercial Bank in Indonesia with 11,7 percent higher than the other variables. Keywords: Profitability Performance, Business Risk, Health Score
Highlights
Tujuan penelitian ini untuk menganalisis pengaruh Return On Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), CKPN Credit, Non Perfoming Loan (NPL), IRR, Posisi Devisa Netto (PDN), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Fee Based Income Ratio (FBIR), and Loan to Deposit Ratio (LDR) baik secara simultam maupun parsial terhadap
The purpose of this research is to analyze the effect of ROA
The sample was taken by means of purposive sampling
Summary
Penilaian kesahatan bank dilakukan setiap tahun, agar dapat diketahui bahwa mereka mengalami peningkatan maupun penurunan. Penilaian kesehatan bank sangatlah penting bagi suatu bank karena mempunyai tanggung jawab untuk mengelola dana yang dimiliki masyarakat dan jika suatu saat masyarakat ingin menarik dananya sewaktu-waktu bank harus mengembalikkan dana tersebut agar tetap dipercaya oleh masyarakat. Skor kesehatan bank seharusnya selalu mengalami peningkatan dari waktu ke waktu dan tidak mengalami penurunan kembali, namun hal itu tidak terjadi pada Bank Umum Swasta Nasional Devisa di Indonesia seperti ditunjukkan pada Lampiran 1. Berdasarkan Lampiran 1, diketahui bahwa perkembangan skor kesehatan Bank Umum Swasta Nasional Devisa di Indonesia pada 2011 sampai dengan tahun 2015 cenderung mengalami penurunan dengan ratarata tren sebesar negatif 0,16. Hal inilah yang menunjukkan bahwa masih adanya masalah pada skor kesehatan bank umum swasta nasional devisa dan setiap bank pernah mengalami penurunan skor atau tren negatif dalam periode 2012 sampai dengan 2015. Kenyataan inilah yang melatarbelakangi dilakukannya penelitian tentang skor kesehatan bank umum swasta nasional devisa dan sekaligus mencari tahu faktorfaktor apa yang menjadi penyebab terjadinya penurunan skor kesehatan bank umum swasta nasional devisa
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