PENGARUH CORPORATE GOVERNANCE PERCEPTION INDEX TERHADAP NON PERFORMING LOAN, RETURN ON ASSETS, CAPITAL ADEQUACY RATIO PADA PT. BANK NEGARA INDONESIA (Persero) TBK, JAKARTA

Haria, Kasma Sutriyani (2025) PENGARUH CORPORATE GOVERNANCE PERCEPTION INDEX TERHADAP NON PERFORMING LOAN, RETURN ON ASSETS, CAPITAL ADEQUACY RATIO PADA PT. BANK NEGARA INDONESIA (Persero) TBK, JAKARTA. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan mengkaji sejauh mana indeks Corporate Governance Perception Index (CGPI) memengaruhi kinerja keuangan perbankan PT Bank Negara Indonesia (Persero) Tbk dalam kurun waktu 2016 hingga 2024. Kinerja diukur melalui rasio Non-Performin Loan (NPL), Return On Assets (ROA), dan Capital Adequacy Ratio (CAR). CGPI berfungsi sebagai pengukur keberhasilan Good Corporate Governance (GCG), yang terdiri dari tiga dimensi yaitu Governane Structure, Governance Process, dan Governance Outcome. Pendekatan kuantitatif diterapkan dalam studi ini, menggunakan metode regresi linear sederhana serta uji hipotesis melalui uji-t dan uji-f. Data sekunder didapati melalui laporan tahunan CGPI, annual report BNI, serta data dari Otoritas Jasa Keuangan (OJK). Temuan riset menunjukkan bahwa CGPI tidak berpengaruh signifikan terhadap ketiga indikator kauangan yang diteliti yaitu NPL, ROA, dan CAR. Hal ini terbukti dari nilai signifikansi dalam uji-f dan uji-t pada model regresi secara keseluruhan lebih melebihi angka 0,05, sehingga hipotesis alternatif ditolak. Dengan ini, penerapan GCG melalui CGPI di PT BNI harus diperkuat agar tidak hanya bersifat administratif, tetapi juga memberikan kontribusi nyata terhadap kinerja keungan entitas. Meskipun BNI meraih skor CGPI dalam kategori “sangat terpercaya” hasil penelitian ini mengindikasikan bahwa implementasinya belum secara subtansial memengaruhi NPL, ROA, dan CAR./The purpose of this study is to examine how Corporate Governance Perception Index (CGPI) affects the financial performance of PT Bank Negara Indonesia (Persero) Tbk from 2016 to 2024. Performance is measured using the Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Non-Performing Loan (NPL) ratios.. CGPI serves as a gauge of the success of Good Corporate Governance (GCG), which composed of three dimensions: Governance Outcome, Governance Process, and Governance Structure. In this study, quantitative research is conducted using the linear regression method and hypothesis testing through the t-test and f-test. The second set of data comes from the CGPI annual report, the BNI annual report, and data from the Financial Services Authority (OJK). It is clear from the data that the CGPI has no discernible impact on the three financial indicators taht were examined: NPL, ROA, and CAR. The reason this is that the significance level in the f-test and t-test in the regression model is more greater than 0.05, so alternative hypothesis are rejected. Due to this, the implementation of GCG through CGPI at PT BNI must be carefull to ensure that it is not only administratively sound but also contributes to the performance of the entity’s financial operations. The results of this study show that, despite BNI’s achievment of CGPI scores in the “very trustworthy” category, implementation has not yet significantly impacted NPL, ROA, and CAR.

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