COMPARATIVE SOUNDNESS OF COMMERCIAL BANKS STATE-OWNED AND NATIONAL PRIVATE BANKS BASED ON RBBR

Rd Ayu Puspitarini, Nunung Aini Rahmah

Abstract

The soundness of banks is a critical issue to research because they serve as the backbone of a nation's economy. A bank's success in adhering to applicable regulations, executing risk management, and following the precautionary principle can be assessed by measuring the soundness level of the bank. The purpose of this study is to determine how, using the RBBR approach, the soundness levels of state-owned and national private commercial banks differ, as measured by four indicators: Risk Profile, GCG, Earnings, and Capital for the years 2018–2022. Purposive sampling was used to choose the research sample. This research was conducted by analyzing the Mann-Whitney U Test. The analysis results show that in the 2018-2022 period, there is a significant difference between the soundness of state-owned conventional commercial banks and national private conventional commercial banks in the Capital aspect. Besides, there are no significant differences in the elements of Risk Profile, GCG, and Earnings. It is hoped that this research can help bank management evaluate the implementation of risk management, GCG principles, earnings, and capital so that they can continue to compete with other bank groups.

Full Text:

PDF

References

Adnanti, W. A., Indarti, I., & Aditya, E. M. (2022). Analisis Penilaian Tingkat Kesehatan Bank Umum BUMN Menggunakan Metode RGEC. ECONBANK: Journal of Economics and Banking, 4(1), 23–37. https://doi.org/10.35829/econbank.v4i1.167

Anjani, D. P., & Pakpahan, R. (2020). Komparasi Kinerja Keuangan Bank Pemerintah dan Bank Swasta Nasional. Prosiding Industrial Research …, 26–27. https://jurnal.polban.ac.id/proceeding/article/view/2162

Astari, N. D., Hermawan, D., & Pakpahan, R. (2021). Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode RGEC (Studi Kasus Pada PT Bank Mandiri ( Persero), Tbk). Indonesian Journal of Economics and Management, 1(3), 615–627.

Bank Indonesia. (2011). Peraturan Bank Indonesia No.13/1/PBI/2011 About Penilaian Tingkat kesehatan Bank Umum. Accessed Mei 9 2023 from http://ojk.go.id/peraturan-bank-indonesia-nomor-13-1-pbi-2011.

Faradina Inda Wardhani, & Muliani Muliani. (2019). Analisis Tingkat Kesehatan Bank Berdasarkan Pendekatan RGEC Pada Bank BUMN Periode 2013 - 2017. Jurnal Ekonomi STIEP, 4(2), 26–33. https://doi.org/10.54526/jes.v4i2.21

Hasan, R. M., Sumani, S., & Susanti, S. (2022). Analysis of Differences Financial Performance Between Government Bank and National Private Bank Listed on Indonesia Stock Exchange on 2018-2021 using the RGEC Method. International Journal of Multidisciplinary Research and Analysis, 05(12), 3516–3524. https://doi.org/10.47191/ijmra/v5-i12-30

Otoritas Jasa Keuangan. (2022). Statistik. Perbankan Indonesia. Jakar-ta: Desember 2022. https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia

Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan No.4 /POJK.03/2016 About Penilaian Tingkat kesehatan Bank Umum.

Otoritas Jasa Keuangan. (2020). Peraturan Otoritas Jasa Keuangan No. 9/SEOJK.03/2020 About Transparasi dan Publikasi Laporan Bank Umum Konvensional.

Purwanti, E. (2021). Analisis Perbedaan Kinerja Keuangan Bank Umum Pemerintah Dan Bank Swasta Nasional Yang Terdaftar Di Bursa Efek Indonesia Periode 2013-2017. Among Makarti, 13(2), 15–26. https://doi.org/10.52353/ama.v13i2.194

Putra, O. (2022). Studi Komparatif Tingkat Kesehatan Bank Nasional Dan Bank Swasta Di Indonesia. Jurnal Manajemen Terapan Dan Keuangan, 11(01), 91–104. https://doi.org/10.22437/jmk.v11i01.17271

Rahmah, N. A., & Kusbandiyah, A. (2018). Effect of Banks Performance to the Islamic Banks Profitability. Advanced Science Letters, 24(1), 159–162. https://doi.org/10.1166/asl.2018.11945

Setiawati, T., & Agustina Prihastiwi, D. (2022). Analisis Komparatif Kinerja Keuangan Perbankan Milik Negara Dan Milik Swasta Di Masa Pandemi Covid-19. Jurnal Ilmiah Raflesia Akuntansi, 8(1), 57–70. https://doi.org/10.53494/jira.v8i1.123

Supit, T. S. F., Tampi, J. R. E., & Mangindaan, J. (2019). Analisis Perbandingan Kinerja Keuangan Bank Bumn Dan Bank Swasta Nasional Yang Terdaftar Pada Bursa Efek Indonesia. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 7(3), 3398–3407.

Surya Abbas, D., & Dillah, U. (2020). Faktor-Faktor Yang Mempengaruhi Nilai Perusahaan (Jurnal Akutansi dan Manajemen, Vol. 17 No.01). Jurnal Akuntansi Dan Manajemen, 17(01), 42–49.

Refbacks

  • There are currently no refbacks.