Article Sidebar

Submitted
April 23, 2025
Accepted
April 23, 2025
Published
November 30, 2024
Download
PDF
Statistic
Read Counter : 7 Download : 21

Main Article Content

Abstract

This research aims to analyze the comparative level of health of HIMBARA bank and regional development bank BPD in Indonesia, to prove the analysis of the current and future level of bank health of HIMBARA bank and regional development bank BPD in Indonesia. Qualitative research method where this research studies the natural condition of objects, comparative analysis based on a risk approach (risk based bank rating) with the RBBR method with four forming components, namely risk profile, governance, performance and capital. based on a composite rating for assessing the level of bank health based on POJK NOMOR.4/POJK.03/2016. Results of comparative research on the health level of HIMBARA banks for the 2018-2022 period. MDR Bank has a composite of 1 "very healthy" bank, BBRI for the periods 2018, 2019, 2021 and 2022 has a composite of 1 "very healthy" bank. BBNI for the periods 2018, 2019, 2021 and 2022 had a composite rating of 1 "very healthy" bank and BBTN bank in 2018 had a composite rating of 1 bank "very healthy", in 2019 and 2020 it had a composite of 3 "fairly healthy" banks and in 2021, 2022 it had a composite rating. 2 “healthy” banks. 14 "very healthy" BPD banks have a composite of 1 "very healthy" bank and 12 combined BPD banks have a "combination" predicate, namely composite 1, 2 and 3 with the predicate "very healthy" bank, "healthy" bank and "fairly healthy" bank. Three BPDs with sharia principles each have a composite rating of 1 "very healthy" bank. 13 BPD UUS which have sharia business units with a composite rating of 1 bank "very healthy" and a composite rating of 2 banks "healthy". The absence of a downgrade in the ratings during the 2 reporting periods for HIMBARA and BPD banks proves that the portrait of the bank's current performance is a portrait of the bank in the future . The decrease in the composite level is influenced by the risk profile of credit risk, where there is an increase in NPL which affects the performance profile due to a decrease in interest income, a decrease in NIM due to many restructurings, an increase in the cost of credit COC (CKPN and loan fees) which ultimately decreases ROA or bank income. known as NPBT (net performing branch total). In BPD banks, the decline in the composite level also occurred in the governance profile, this occurred because the recruitment of regional bank managers was still weak, the recruitment pattern seemed forced by shareholders so that management performance decreased which ultimately affected the composite level.

Keywords

Bank Health Risk Based Bank Rating (RBBR) HIMBARA Bank and BPD Regional Development Bank

Article Details

License

Copyright (c) 2024 Dedi Mustika, Retno Agustina Ekaputri, Muhammad Rusdi

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

  • This statement is a commitment from the author, to respect copyright, both in terms of quoting the work of others, as well as in the use of journal content. 
  • If needed, the author can send a statement of authenticity of the manuscript. With the receipt of an article by the Editor of Conjuncture: The Journal of Economics, the article submitted has the copyright held by Conjuncture: The Journal of Economics 
  • Conjuncture: The Journal of Economics has the right to reproduce and distribute articles that have been published in journals. 
  • The author is not permitted to publish the same article that has been published in this journal.
How to Cite
Mustika, D., Ekaputri, R. A., & Rusdi, M. (2024). Analysis Of The Health Level Of Banks In Indonesia. Conjuncture: The Journal of Economics, 1(2), 117–132. Retrieved from https://ejournal.unib.ac.id/conjuncture/article/view/41256
Download Citation
Endnote/Zotero/Mendeley (RIS)
BibTeX

References

  1. Anoraga, Pandji dan Piji Pakarti. 2001. “Model Bisnis Modern”. Jakarta: Rineka Cipta. Ardhianto, Wildana Nur. 2019. “Kitab Sakti dan Akuntan”. Yogyakarta: Kuadran
  2. Boy Loen dan Sonny Ericson. 2008. Manajemen Aktif Perbankan Pasif. Jakarta: PT. Grasindo. Budisantoso, Totok & Triandaru, Sigit. 2008. “Perbankan dan Keuangan: Pedoman Utama.” Salemba Empat, Jakarta.
  3. CNBC Indonesia. 4 November 2022. “Modal Inti Rp 3 T Bank Akhir Tahun, Likuidasi Jika Tak Mampu” (online). Redaksi CNBC Indonesia. (https://www.cnbcindonesia.com, tanggal 27 Oktober 2022).
  4. --------------------. 27 Maret 2023. “Credit Suisse & Deutsche Bank Ambruk, Bos BNI Buka Suara” (online). Redaksi CNBC Indonesia. (https://cnbc.id/Ndlmoi, Tanggal: 27 Maret 2023
  5. -------------------. 4 Oktober 2022. “Awal mula sistem perbankan adalah awal mula sistem perbankan dengan RI” (daring). Redaksi CNBC Indonesia. (https://www.cnbcindonesia.com, tanggal 22 Desember 2022)
  6. Darmawi Hermawan. 2011. Manajemen Perbankan. Bumi Aksara.
  7. Dharma Sandhy, Permata Susanti, 2015 “Analisis Metodologi Bank Rating untuk Risk Based Bank Rating (RBBR) Yogyakarta” (repository.bsi.ac.id. Diakses 04 Juli 2023)
  8. Faizul Ahmad Muttaqin dan Mustafa Anwar. 2023 “Analisis Metode Akuntabilitas Perbankan dan Tata Kelola Perusahaan (Studi Akuntabilitas Perbankan dan Tata Kelola Perusahaan Periode 2017-2021)”. (https://journal.ibrahimy.ac.id/index.php/mazinda/index, tanggal 18 April 2023)
  9. Fadli Yasin Agus Achmad dan Samudra. 2023 “Antara Capital Adequacy Ratio (CAR) dengan Operating Profit (OPP) dan Return On Asset (ROA) dapat dipertukarkan dengan PT. Bank Indonesia (Persero) Tbk Periode 2011-2021. (jom.umri.ac.id Tanggal 18 April 2023) Universitas Syarif Hidayatullah Jakarta
  10. Hanafi, Mamduh M dan Abdul Halim. 2005. Analisis Tenaga Kerja. Edit 4. UPP STIM YKPN. Yogyakarta.
  11. Hilman Fauzi, Nurul Hidayati. 10 Oktober 2022. “Pelatihan Profesi Bidang Pendidikan dan Pelatihan” (daring). PPPK Kemenkeu (https://pppk.kemenkeu.go.id, Tanggal: 26 Oktober 2022)
  12. Judisseno, K. R. 2002. “Sistem Pemantauan dan Perbankan di Indonesia”. Jakarta: PT. Gramedia Diposting oleh Utama.
  13. J Beliati. 2023. “Analisis Lembaga Keuangan Bank Indonesia di BRI Periode 2015-2019 dengan Metode CAMEL” (eprints.mercubuana-yogya.ac.id, 18 April 2023)
  14. Kasmir. 2012. “Bank Dunia dan Sumber Daya Utama Bank Dunia”. Jakarta: PT. Raja Grafindo Persada.
  15. Kartini Afri. 2023. “Perbankan korporasi, NPL, ROA, LDR dan BOPO dimiliki oleh PT Bank Indonesia (Pakistan), Tbk Unit Mangkunegara.” Universitas Palembang, Sumatera (repository.univ-tridinanti.ac.id tanggal 18 April 2023)
  16. Kontan. Co.Id. 12 Maret 2023 “Silicon Valley Bank (SVB) Kolaps, Indonesia?” (online) Redaksi Kontan Co.Id. (https://keuangan.kontan.co.id/news Diakses, 13 Maret 2023
  17. Kusnadi Tri. 2023 “Penelitian Peran Bank dalam Pengembangan Sektor Perbankan Periode 2012-2021” (repository.unbari.ac.id. Diakses pada 18 April 2023.
  18. Marlupi (2006), “Analisis Pengetahuan Metode CAMEL”, Malang: Universitas Teknologi.
  19. Mulyani Sri (2022) “Professional Career Coaching 2022” Jakarta, Indonesia
  20. Marginingsih Ratnawaty. 2015 “Capital Adequency Ratio (CAR), Loan To Deposit Ratio (LDR), Rasio Kredit terhadap Dana Pihak Ketiga (BOPO), Kredit Tanpa Agunan (NPL) dan Net Interest Margin (NIM) merupakan pendorong utama pembangunan berkelanjutan di Indonesia” Bandung (repository.bsi.ac.id. Diakses 18 April 2023).
  21. Undang-Undang RI Nomor: 10 TAHUN 1998 “Bank Umum” Jakarta.
  22. Transplantasi OJK. 2016. POJK 11 November 2016, jumlah simpanan minimum Bank Umum. Jakarta: OJK
  23. --------------------. 2016. POJK Nomor 04 Tahun 2016 tentang Penilaian Tingkat Kesehatan Bank Umum. Jakarta: OJK
  24. --------------------. 2017. SEOJK Nomor 14/SEOJK.03/2017 tingkat kesehatan bank umum. Jakarta: OJK
  25. --------------------. 2014. Nomor 08/POJK.03/2014 Tahun 2014 tentang Penilaian tingkat kesehatan bank umum, syariah dan unit usaha syariah. Jakarta: OJK
  26. --------------------. 2020. Nomor 12/POJK.03/2020 Tahun 2020 Konsolidasi Bank Umum 2022. Jakarta: OJK
  27. permanen. 2012. “Analisis Tingkat Kesehatan Bank Berdasarkan Metode CAMELS dan Metode RGEC”. Jurnal Akuntansi: UNESA.
  28. Rahardjo, Budi, 2007, “Keuangan dan Akuntansi”, Edisi Pertama, Cetakan Pertama, Yogyakarta : Graha Ilmu
  29. Retnadi, Djoko dan Supriyanto. 2006. “Memiliki Bank Sehat”. Elex media komputindo, Jakarta. Republik Indonesia. 1998. Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 tentang Perbankan. Jakarta: Bank Indonesia.
  30. -------------------------. 1967. Undang-Undang Republik Indonesia Nomor 16 Tahun 1967 tentang Perbankan. Jakarta: Bank Indonesia.
  31. -------------------------. 1967. Undang-Undang Republik Indonesia Nomor 14 Tahun 1967 tentang Pokok-Pokok Perbankan. Jakarta: Bank Indonesia.
  32. ------------------------. 1992. Undang-Undang Republik Indonesia Nomor 07 Tahun 1992 tentang Perbankan. Jakarta: Bank Indonesia.
  33. ------------------------. 1968. Undang-Undang Republik Indonesia Nomor 13 Tahun 1968 tentang Perbankan. Jakarta: Bank Indonesia.
  34. ------------------------. 2004. Undang-Undang Republik Indonesia Nomor 03 Tahun 2004 tentang Bank Indonesia. Jakarta: Bank Indonesia.
  35. ------------------------. 2004. Undang-Undang Republik Indonesia Nomor 24 Tahun 1968 tentang LPS. Jakarta: Bank Indonesia.
  36. Retnadi, Djoko dan Supriyanto. 2006. “Memiliki Bank Sehat”. Elex media komputindo, Jakarta. Riyadi, S. 2006. “Pengelolaan aset dan kewajiban perbankan”. Edisi ketiga. Jakarta: LPFE UI Sartono. 2001. “Manajemen Keuangan Teori dan Aplikasi”. Edisi Ke-empat. Cetakan Pertama. Yogyakarta: BP FE
  37. Setiawan Fedri. 2018 “Analisis Tingkat Kesehatan Bank Pembangunan Daerah (BPD) di Indonesia Dengan Menggunkan Metode Risk Based Bank Rating (RBBR) Palembang. (http://repositori.unsri.ac.id Di akses 04 Juli 2023)
  38. Thomas Suyatno, M.M., Djuhaepah T.Marala, MBA. 2003 “Kelembagaan Perbankan”. PT. Gramedia Pustaka Utama. Jakarta.