SKRIPSI
PENGARUH TINGKAT KESEHATAN BANK TERHADAP FINANCIAL DISTRESS PERBANKAN INDONESIA
ABTRACT
This study aims to determine the effect of health bank level method in predicting financial distress of Indonesian banking through financial ratios are used as research variables. Financial ratios are expected to represent a RGEC method are NPL (Non Performing Loan), PDN (Posisi Devisa Netto), LDR (Loan to Debt Ratio), GCG (Good Corporate Governance), ROA (Return On Asset), NIM (Net Interest Margin) and CAR (Capital Adequacy Ratio). The sample was 21 bank were listed in Indonesian Stock Exchanges (2012-2014) that match with suitable criteria according to the purpose sampling method. The analytical tool used logistic regression analysis to analyze the hipotesis. Result of the research indicate that the variables of PDN (Posisi Devisa Netto), LDR (Loan to Debt Ratio), GCG (Good Corporate Governance) and NIM (Net Interest Margin) significantly influence to predicting financial distress Indonesia banking while NPL (Non Performing Loan), ROA (Return On Asset) and CAR (Capital Adequacy Ratio) aren’t significant in predicting financial distress of Indonesian bangking. The value of Negelkerke’s R Square from this research amount to 61,5%.
Key Words : RGEC, Financial Distress, NPL (Non Performing Loan), PDN (Posisi Devisa Netto), LDR (Loan to Debt Ratio), GCG (Good Corporate Governance), ROA (Return On Asset), NIM (Net Interest Margin) and CAR (Capital Adequacy Ratio)
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