PANJAITAN, CAROLINA (2021) ANALISIS TINGKAT KESEHATAN PERUSAHAAN PEMBIAYAAN Studi Kasus PT Astra Sedaya Finance (Periode Tahun 2020 - 2021). Tesis thesis, Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta.
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Abstract
Penelitian ini bertujuan untuk mengetahui dan menganalisis tingkat kesehatan perusahaan pembiayaan studi kasus PT Astra Sedaya Finance (ASF) periode tahun 2020–2021 di lihat dari rasio tata kelola, profil risiko, rentabilitas dan permodalan. Lembaga keuangan pembiayaan non bank menjadi fokus utama penelitian ini adalah perusahan pembiayaan PT Astra Sedaya Finance (ASF). Penelitian ini menggunakan metode deskriptif analitik. Data yang digunakan menggunakan laporan keuangan PT Astra Sedaya Finance (ASF) tahun 2020-2021. Hasil penelitian ini menunjukkan bahwa PT Astra Sedaya Finance (ASF) selama tahun 2020-2021 dari segi faktor tata kelola, hasil penelitian secara self assessment mendapatkan nilai 1, sesuai dengan ketentuan yang berlaku guna mendukung pelaksanaan prinsip tata kelola perusahaan yang baik di setiap lini kerja dan operasional Perusahaan. Hasil penelitian faktor ke dua yaitu profil risiko memiliki risiko inheren yang didominasi oleh risiko kredit, memiliki penerapan manajemen risiko yang kuat, dari pengawasan aktif Direksi, Dewan Komisaris, dan DPS, maupun kelengkapan kebijakan dan unit dalam melakukan identifikasi, pengendalian, dan pemantauan atas manajemen risiko di segala fungsi, termasuk adanya three line of defense dalam manajemen risiko. Dengan demikian nilai profil risiko PT Astra Sedaya Finance dianggap cukup baik. Hasil penelitain faktor ke tiga yaitu rentabilitas selama, dari segi kinerja memang sangatlah baik, kemampuan laba dalam meningkatkan permodalan dan prospek laba pada masa yang akan datang masih tinggi dengan nilai 1 atau sangat baik. Dan faktor ke empat yaitu permodalan, sama seperti faktor rentabilitas, sudah sangat baik. Berbeda dari perbankan yang memiliki ketentuan penyediaan modal minimum diatur oleh Peraturan OJK Nomor 11/POJK.03/2016 tentang Kewajiban Penyediaan Modal Minimum Bank Umum yaitu sebesar 8% dari Aset Tertimbang Menurut Risiko, dengan rasio permodalan sebesar 41,52% jauh lebih tinggi dari ketentuan minimum sebesar 10%. Dengan demikian, kesimpulan bahwa perusahaaan memiliki tingkat permodalan yang sangat memadai, sangat mampu mengantisipasi seluruh risiko yang dihadapi, dan mendukung ekspansi usaha perusahaan ke depan, serta kualitas komponen permodalan pada umumnya sangat baik, permanen, dan dapat menyerap kerugian. Dari hasil penelitian tersebut, menunjukkan bahwa tingkat kesehatan PT Astra Sedaya Finance (ASF) selama tahun 2020-2021 berada pada tingkat kesehatan non bank yang baik. Kata Kunci: Tata Kelola, Profil Risiko, Rentabilitas dan Permodalan ABSTRACT This study aims to determine and analyze the soundness of the case study financing company PT Astra Sedaya Finance (ASF) for the period 2020-2021 in terms of governance ratios, risk profiles, profitability and capital. The non-bank financial institution that is the main focus of this research is the financing company PT Astra Sedaya Finance (ASF). This research uses descriptive analytic method. The data used uses the financial statements of PT Astra Sedaya Finance (ASF) for 2020-2021. The results of this study indicate that PT Astra Sedaya Finance (ASF) during 2020-2021 in terms of governance factors, the results of self-assessment research get a value of 1, in accordance with applicable regulations to support the implementation of good corporate governance principles in every line of work. and operations of the Company. The results of the second factor research are the risk profile has inherent risk which is dominated by credit risk, has a strong risk management application, from the active supervision of the Board of Directors, Board of Commissioners, and DPS, as well as the completeness of policies and units in identifying, controlling, and monitoring management. risk in all functions, including the existence of three lines of defense in risk management. Thus, the risk profile of PT Astra Sedaya Finance is considered quite good. The results of the research on the third factor are profitability as long as, in terms of performance, it is very good, the ability of profits to increase capital and the prospect of future profits is still high with a value of 1 or very good. And the fourth factor, namely capital, as well as the profitability factor, has been very good. Different from banks which have minimum capital requirements regulated by OJK Regulation Number 11/POJK.03/2016 concerning Minimum Capital Adequacy Requirements for Commercial Banks, which is 8% of Risk Weighted Assets, with a capital ratio of 41.52% much higher than minimum requirement of 10%. Thus, the conclusion is that the company has a very adequate level of capital, is very capable of anticipating all the risks it faces, and supports the company's business expansion in the future, and the quality of the capital component is generally very good, permanent, and can absorb losses. From the results of this study, it shows that the health level of PT Astra Sedaya Finance (ASF) during 2020-2021 is at a good non-bank health level. Keywords : Corporate Governance, Risk Profile, Profitability and Capital
| Item Type: | Thesis (Tesis) | ||||||||||||
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| Subjects: | Manajemen > Manajemen Keuangan | ||||||||||||
| Divisions: | S1 Manajemen | ||||||||||||
| Depositing User: | Mrs CAROLINA PANJAITAN | ||||||||||||
| Date Deposited: | 30 Nov 2022 05:32 | ||||||||||||
| Last Modified: | 30 Nov 2022 05:32 | ||||||||||||
| URI: | http://repository.stei.ac.id/id/eprint/8956 |
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