PREDIKSI FINANCIAL DISTRESS PADA BANK UMUM SYARIAH DENGAN ANALISIS RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS AND CAPITAL
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
YASTYNDA, ERIKA PERMATA
Subject
657.9 - ACCOUNTING-BANK
Datestamp
2017-07-06 04:46:48
Abstract :
This study aims to predict financial distress on Islamic Banks (BUS) using the ratio RGEC. The CAMEL ratio consist of Non Performing Financing (NPF), Financing to Debt Ratio (FDR), Good Corporate Governance (GCG), Return On Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). The research data was obtained from published financial statements of each Islamic Banks (BUS) in Indonesia during the observation period of 2013 ? 2014, the entire population of this study uses 11 banks. This study is use a logistic regression analysis as the analysis test tool. Of the 11 samples of Islamic banks were used in this study, showed six Islamic banks indicated financial distress and five banks were non financial distress. The results obtained by using the ratio of NPF in 2014. The results of this study indicate that LDR, GCG, ROA, and CAR do not affect in significant on the probability to predict financial distress on Islamic Banks (BUS).While the ratio NIM influential in significant on the probability to predict financial distress on Islamic Banks (BUS) in Indonesia Keyword: financial distress, RGEC, financial ratio, bank umum syariah.
This study aims to predict financial distress on Islamic Banks (BUS) using the ratio RGEC. The CAMEL ratio consist of Non Performing Financing (NPF), Financing to Debt Ratio (FDR), Good Corporate Governance (GCG), Return On Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). The research data was obtained from published financial statements of each Islamic Banks (BUS) in Indonesia during the observation period of 2013 ? 2014, the entire population of this study uses 11 banks. This study is use a logistic regression analysis as the analysis test tool. Of the 11 samples of Islamic banks were used in this study, showed six Islamic banks indicated financial distress and five banks were non financial distress. The results obtained by using the ratio of NPF in 2014. The results of this study indicate that LDR, GCG, ROA, and CAR do not affect in significant on the probability to predict financial distress on Islamic Banks (BUS).While the ratio NIM influential in significant on the probability to predict financial distress on Islamic Banks (BUS) in Indonesia Keyword: financial distress, RGEC, financial ratio, bank umum syariah.
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