Analisis Tingkat Kesehatan Bank Dengan Metode RGEC  (Studi Kasus PT.Bank BNI (Persero) Tbk )

Nufus, Khayatun; Triyanto, Fani; Muchtar, Awaluddin

doi:10.32493/skt.v3i1.3264

Cited by 4 publications

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“…Kegiatan dalam menganalisis rasio ini akan menghasilkan suatu gambaran atas baik buruknya kinerja keuangan disuatu bank. Sehingga pengawas bank dapat mengetahui bagaimana kinerja keuangan suatu bank berjalan (Nufus et al, 2019).…”

Section: Pendahuluanunclassified

Perbandingan Kinerja Keuangan Bank Syariah Di Indonesia Dengan Bank Syariah Di Malaysia Periode 2022

Wiyani,

Sholahuddin

2024

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Penelitian ini bertujuan untuk membandingkan kinerja keuangan perbankan syariah di Indonesia dan perbankan syariah di Malaysia periode 2022. Bank syariah mulai dikenal masyarakat luas dan berkembang pesat dalam dunia perbankan, salah satu alasannya ialah karena bank syariah menggunakan sistem bagi hasil bukan sistem bunga. Jika dilihat dari jumlah penduduk muslim di kedua negara tersebut, Indonesia memiliki populasi muslim yang lebih besar daripada Malaysia. Namun pada hasil penelitian tahun sebelumnya dan berdasarkan data IFDI 2020, Malaysia memliki kinerja keuangan yang lebih tinggi daripada Indonesia. Untuk mengevaluasi kinerja bank syariah dari kedua negara tersebut, penelitian ini menggunakan metode RGEC yaitu Risk-Profile yang diproksikan rasio FDR (Financing to Deposit Ratio), GCG (Good Corporate Governance), ROA (Return On Assets), dan CAR (Capital Adequacy Ratio). Menggunakan data sekunder dari masing-masing laporan tahunan bank syariah dikedua negara dengan populasi sampel yaitu purposive sampling. Hasil penelitian menunjukan bahwa terdapat perbedaan hasil yang signifikan pada ketiga rasio FDR, ROA, dan CAR. Sedangkan pada rasio GCG yaitu tata kelola perusahaan sendiri tidak terdapat perbedaan yang signifikan, namun bank syariah Malaysia mendapat peringkat penilaian self assessment sangat baik.

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Section: Pendahuluanunclassified

Perbandingan Kinerja Keuangan Bank Syariah Di Indonesia Dengan Bank Syariah Di Malaysia Periode 2022

Wiyani,

Sholahuddin

2024

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“…6/23/DPNP tanggal 31 Mei 2004 tentang Sistem Penilaian Tingkat Kesehatan Bank Umum dengan metode CAMELS (pada 31 Desember 2011). 9 Dari paparan di atas, penelitian bertujuan untuk mengetahui tingkat kesehatan bank BUMN yang terdaftar di BEI Periode 2017-2021 dengan menggunakan metode CAMELS dan RGEC, dan memberikan perbandingan hasil kinerja diantara dua metode tersebut.…”

Section: Pendahuluanunclassified

Analisis Perbandingan Dalam Menilai Tingkat Kesehatan Bank Dengan Menggunakan Metode CAMELS dan RGEC (Studi pada Bank Umum BUMN yang Terdaftar di BEI Periode 2017-2021)

Achmad

Musthofa

2023

Mazinda

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Banks as intermediary institutions have a very important role in driving the Indonesian economy, especially state-owned banks which are state-owned banks, so banks must be managed carefully and need special supervision from the government. This study was conducted with the aim of finding out how the soundness of state-owned banks is using the CAMELS and RGEC methods, as well as the point of difference between the two methods. The type of research used is comparative descriptive with a quantitative approach. The data source used is secondary data. The data collection method in this research is library research and documentation study in the form of an annual report which is downloaded through the official website of the IDX (www.idx.co.id) and the official website of the company that is the subject of the research. From the results of this study, it can be seen that the assessment of the soundness level of state-owned commercial banks using the CAMELS and RGEC methods has different results. The results of the recapitulation of the Health Level Assessment of BUMN Commercial Banks based on the CAMELS Method in the last 5 years show that the health conditions of Banks BRI, BNI and Bank Mandiri are in a "Very Healthy" condition. Meanwhile, Bank BTN is in a “Healthy” condition. Meanwhile, the results of the recapitulation of the Health Level Assessment of BUMN Commercial Banks based on the RGEC Method in the last 5 years show that the health conditions of Bank BRI and Bank Mandiri are in a "Very Healthy" condition. Meanwhile, Bank BNI and BTN are in a "healthy" condition. The difference in the assessment results from the two methods is because the CAMELS method is more focused on the upside side of the business, while the RGEC method is not only focused on the upside side of the business, but also covers the downside side of the business. So that the RGEC method is considered a more comprehensive bank soundness assessment solution.

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“…The third factor is Earnings (profitability), which is the company's ability to generate profits from the capital invested in total assets of ROA and NIM. Finally, the Capital factor shows the minimum capital needed to cover the risk of losses that may arise from investing in risky assets and financing all fixed assets and bank inventory (Nufus et al, 2019).…”

Section: Introductionmentioning

confidence: 99%

Analysis of the Health Level of Regional Development Banks Before and During the Covid-19 Pandemic Using the RGEC Approach in the Sumatra Region

Batubara,

Sadalia,

Wibowo

2024

EAJMR

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This study aims to analyze the health level of regional banks before and during the pandemic period 2017-2022 in the Sumatra region. Sampling in this study were all regional development banks in the Sumatra region, totaling 8 banks. This research analysis uses the RGEC method (Risk Profile, Good Corporate Governance, Earnings and Capitals). The results of this study indicate that the health level of regional development banks for the 2017-2022 period is 90.38%, overall the condition of the Bank is in a very healthy condition while for bank health in the pre-covid period (2017-2019) of 89.30% and during the pandemic period (2020-2022) of 91.52%, from the results of this study it is stated that there is a growth in the level of bank health before and during the pandemic of 2.22%. This study also analyzed the T test to find differences before and during the pandemic using variables (NPL, LDR, ROA, NIM and CAR) for the LDR, NIM and CAR variables showed significantly different while for the GCG variable using the Wilcoxon test it was found to be significantly different before and during the pandemic.

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Analisis Tingkat Kesehatan Bank Dengan Metode RGEC (Studi Kasus PT.Bank BNI (Persero) Tbk )

Cited by 4 publications

References 0 publications

Perbandingan Kinerja Keuangan Bank Syariah Di Indonesia Dengan Bank Syariah Di Malaysia Periode 2022

Perbandingan Kinerja Keuangan Bank Syariah Di Indonesia Dengan Bank Syariah Di Malaysia Periode 2022

Analisis Perbandingan Dalam Menilai Tingkat Kesehatan Bank Dengan Menggunakan Metode CAMELS dan RGEC (Studi pada Bank Umum BUMN yang Terdaftar di BEI Periode 2017-2021)

Analysis of the Health Level of Regional Development Banks Before and During the Covid-19 Pandemic Using the RGEC Approach in the Sumatra Region

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