scholarly journals Effect of Risk Based Bank Rating on Financial Performance of Sharia Commercial Banks

Akuntabilitas ◽  
2019 ◽  
Vol 12 (2) ◽  
pp. 201-214
Author(s):  
Diah Munawaroh ◽  
Peny Cahaya Azwari
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Regression Models ◽  
Risk Profile ◽  
Descriptive Statistics ◽  
Regression Methods ◽  
Good Corporate Governance ◽  
Bank Ratings

Risk Based Bank Rating (RBBR) is one of the assessments of the new health level of the bank in lieu of CAMELS in accordance in Bank Indonesia Regulation No. 13/1 / PBI / 2011. This study aims to examine the effect of Risk-Based Bank Ratings (Risk Profile, Good Corporate Governance, Earning and Capital) on Financial Performance (ROA). The method used is descriptive statistics, determination of regression models, classic assumption tests, multiple linear regression methods and hypothesis testing. The type of data in this study uses panel data. Based on the results of the study indicate that the ratio of NPF, GCG and CAR does not significantly influence ROA. While the ratio of FDR, BOPO and NOM has a significant effect on ROA.

scholarly journals ANALYSIS OF RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, AND CAPITAL (RGEC) IN SYARIAH COMMERCIAL BANKS AND CONVENTIONAL COMMERCIAL BANKS

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Oyong Lisa
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Risk Profile ◽  
T Test ◽  
Public Funds ◽  
Analytical Technique ◽  
Good Corporate Governance ◽  
Net Profit ◽  
Lower Ability

Banks play a role in collecting public funds because banks are institutions that are trusted by the community from various parties in placing funds safely. This study aims to analyze the differences in financial performance by using RGEC consisting of risk profile, good corporate governance, earnings, and capitals between syariah commercial banks and conventional commercial banks. The analytical technique uses independent sample t-test. The result of the analysis shows that there is a difference of NPL between syariah bank and conventional bank. This shows that conventional commercial banks are better at covering the risk of default of credit repayment by debtors than syariah commercial banks. There is an LDR difference between syariah commercial banks and conventional commercial banks. This shows that conventional commercial banks have a slightly better liquidity level compared to syariah commercial banks. The LDR ratio is too large to indicate the lower ability of  the bank's liquidity. There is no GCG difference between syariah commercial banks and conventional commercial banks. This shows that both groups of banks have implemented good corporate governance so that internal management goes according to what is planned. There is a difference of ROA between syariah commercial banks and conventional commercial banks. This shows that the ability of conventional commercial banks has better ability in obtaining net profit with the use of all assets owned by the bank compared to syariah commercial banks. There is no CAR difference between syariah commercial banks and conventional commercial banks. This shows that both groups of banks have met Bank Indonesia's requirements as a sound bank.

scholarly journals Analisis Kinerja Bank Umum Dengan Menggunakan Metode Rating Bank Berbasis Resiko

2020 ◽  
Vol 2 (2) ◽  
pp. 2603-2612
Author(s):  
Alodia Islamey Dagna ◽  
Efrizal Syofyan
Keyword(s):  
Corporate Governance ◽  
Factor Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Research Method ◽  
Risk Profile ◽  
Quantitative Approach ◽  
Good Corporate Governance ◽  
Financial Soundness ◽  
Descriptive Method

This study intend to analyze the financial performance of State-Owned Commercial Banks (BUMN) during the period 2014-2018 with the RBBR (Risk Based Bank Rating) manner. The research method used to analyze the financial performance of BUMN banks is a descriptive method with a quantitative approach. The results showed that the overall financial soundness of BUMN banks since the 2013 until 2015 period from the risk profile factor analysis showed that BUMN NPL located in healthy condition and from the LDR side of BUMN banks were in sanely healthy condition. As for the factor of Good Corporate Governance (GCG) in general, BUMN Banks have managed and implemented GCG well. For earnings factors calculated by the ROA and NIM ratios as a whole, BUMN Banks are in very healthy condition. The evaluation of the capital factor using the CAR Ratio shows that all BUMN banks are in very healthy condition.

Analisis Kinerja Keuangan Bank Aceh Setelah Konversi Periode 2016-2018 Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 8/POJK.03/2014

2019 ◽  
Vol 4 (1) ◽  
pp. 43
Author(s):  
Hanifa Assofia
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Islamic Law ◽  
Financial Statements ◽  
Risk Profile ◽  
Bank Capital ◽  
Collection Method ◽  
Descriptive Research ◽  
Good Corporate Governance ◽  
Quantitative Descriptive

<p>This research aims to find out how Bank Aceh's financial performance after conversion in terms of earnings and capital. The type of research used is quantitative descriptive research. The data collection method used is the documentation method based on the data in the form of quarterly financial statements for the 2016-2018 period published. The method of data analysis in this study is by using the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital). The results of the study show that Bank Aceh's financial performance in terms of profitability ranks 2, with the definition that profitability is adequate, profit exceeds the target and supports the growth of bank capital. Bank Aceh's decision to convert to sharia as a whole was a very appropriate decision because it was able to show good performance, besides that it also supported the Aceh Government in carrying out its programs to enforce Islamic law. Bank Aceh's financial performance in terms of capital also ranks 2, with the definition that banks have adequate capital quality and adequacy relative to their risk profile, which is accompanied by strong capital management in accordance with the characteristics, scale of business and the complexity of the bank's business.</p>

scholarly journals PERBANDINGAN TINGKAT KESEHATAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL)

2020 ◽  
Vol 4 (4) ◽  
pp. 635-653
Author(s):  
Zara Zettyra R. D ◽  
Evi Mutia
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Risk Profile ◽  
T Test ◽  
Islamic Banks ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Significant Difference

The purpose of this study was to see a comparison of the health levels of conventional commercial banks and Islamic commercial banks using the RGEC method in the 2014-2017 period. The sample of this study were 30 conventional commercial banks and 11 sharia commercial banks. The assessment used uses the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) Risk Profile seen through the NPL and NPF indicators for conventional commercial banks while Islamic banks use LDR and FDR. Corporate governance is measured through Self Assessment. Earnings are measured through ROA and NIM indicators. Capital is measured based on the CAR indicator. Testing the hypothesis in this study using the Independent T-Test and Mann-Wnithey Test samples. The results of this study indicate that there is a difference between conventional commercial banks and Islamic commercial banks seen from the ratio of NPL, LDR, and ROA. While the ratio of GCG, NIM, and CAR does not have a significant difference between conventional commercial banks and Islamic commercial banks.

scholarly journals Analisis Kinerja Keuangan Bank Aceh Setelah Konversi Periode 2016-2018 Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 8/POJK.03/2014

2021 ◽  
Vol 4 (1) ◽  
pp. 43
Author(s):  
Hanifa Assofia
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Islamic Law ◽  
Financial Statements ◽  
Risk Profile ◽  
Bank Capital ◽  
Collection Method ◽  
Descriptive Research ◽  
Good Corporate Governance ◽  
Quantitative Descriptive

<p>This research aims to find out how Bank Aceh's financial performance after conversion in terms of earnings and capital. The type of research used is quantitative descriptive research. The data collection method used is the documentation method based on the data in the form of quarterly financial statements for the 2016-2018 period published. The method of data analysis in this study is by using the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital). The results of the study show that Bank Aceh's financial performance in terms of profitability ranks 2, with the definition that profitability is adequate, profit exceeds the target and supports the growth of bank capital. Bank Aceh's decision to convert to sharia as a whole was a very appropriate decision because it was able to show good performance, besides that it also supported the Aceh Government in carrying out its programs to enforce Islamic law. Bank Aceh's financial performance in terms of capital also ranks 2, with the definition that banks have adequate capital quality and adequacy relative to their risk profile, which is accompanied by strong capital management in accordance with the characteristics, scale of business and the complexity of the bank's business.</p>

scholarly journals ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE PROFIL RISIKO, TATA KELOLA PERUSAHAAN YANG BAIK, PENDAPATAN & MODAL (Studi Komparasi Antara Bank Umum Konvensional dan Bank Umum Syariah Di Indonesia Lemabaga yang Terdaftar Pada Otoritas Layanan Keuangan

2020 ◽  
Vol 7 (1) ◽  
pp. 68-77
Author(s):  
Gusganda Suria Manda ◽  
Rina Maria Hendriyani
Keyword(s):  
Corporate Governance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Risk Profile ◽  
Quantitative Approach ◽  
Good Corporate Governance ◽  
Good Rating ◽  
Descriptive Method ◽  
Better Than

This analysis aims to find out, analyze and explain how the bank's soundness level compares with the Risk Profile, Good Corporate Governance, Earning and Capital methods in accordance with applicable regulations. This research was conducted using a comparative descriptive method with a quantitative approach. The results of the analysis of this study the authors get that Conventional Commercial Banks have a Risk Profile (NPL ratio) with a rating of "Good" better than a Sharia Commercial Bank with a rating of "Fairly Good". Conventional Commercial Banks have a Risk Profile (LDR) higher than Islamic Commercial Banks with a rating of "Fairly Good". Conventional Commercial Banks have Good Corporate Governance (GCG) better than Sharia Commercial Banks with a "Good" rating. Conventional Commercial Banks have better Earning (ROA) with a "Very Good" rating than a Sharia Commercial Bank with a "Very Poor" rating. Sharia Commercial Banks have a Capital (CAR) higher than Conventional Commercial Banks with a rating of "Very Good

scholarly journals RGEC, Sustainability Reporting, and Financial Performance: A Study in Listed Banks in IDX 2013-2017

2019 ◽  
Author(s):  
Tri Gunarsih ◽  
Setiyono . ◽  
Fran Sayekti ◽  
Tamas Novak
Keyword(s):  
Corporate Governance ◽  
Regression Analysis ◽  
Financial Performance ◽  
Empirical Evidence ◽  
Significant Influence ◽  
Sustainability Reporting ◽  
Risk Profile ◽  
Correlation And Regression Analysis ◽  
Good Corporate Governance ◽  
And Performance

This study aims to analyze Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC), Sustainability Reporting (SR) and financial performance (ROE and TQ) of the listed banks in the IDX. This research implements correlation and regression analysis. Base on data samples of 12 banks in 2013-2017, the results of this study show that GCG and RGEC positively correlated to performance (ROE and TQ), but there is no correlation between SR and performance. The regression analysis shows that risk profile (LDR), GCG, and Earning / rentability (ROA) are statistically significant influence ROE but only NPL and GCG that influence TQ while SR is not significant, both to ROE and TQ. These findings support the arguments that the better the RGEC, the higher the financial performance. Subject to data limitation of SR, this study could not give empirical evidence that the better the SR, the higher the firm performance.

scholarly journals ANALISIS TINGKAT KESEHATAN PT. BANK RAKYAT INDONESIA (BRI) SYARIAH BERDASARKAN METODE RGEC

2020 ◽  
Vol 1 (1) ◽  
pp. 23-32
Author(s):  
Muhamad Manarul Hidayat ◽  
Usep Deden Suherman ◽  
Hendra Syafri
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Risk Profile ◽  
Good Corporate Governance ◽  
Health Level ◽  
Rank One ◽  
Bank Soundness ◽  
Quantitative Approaches

AbstractEvery bank must have a bank soundness level from all aspects with very healthy criteria, as well as PT. BRI Syariah. Therefore, this article aims to analyze the factors that affect the health level of PT. BRI Syariah uses Bank Indonesia regulations, namely PBI No.13 / 1 / PBI / 2011 and criteria guidelines for using SE. No.13 / 24 / DPNP. In accordance with these provisions, the soundness of a bank is measured by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). This article uses descriptive methods and quantitative approaches to determine the health level of PT. BRI Syariah is also compared to two state-owned sharia banks, namely PT. BNI Syariah and BSM. The results showed that using the RGEC method the assessment factors used were NPF, FDR, ROA, BOPO, CAR, and ROE. It appears that PT. The health level of BRI Syariah is still below BNI Syariah and BSM. This indicates that BRI Syariah still has to improve its financial performance to have a healthy rating at rank one, which is very healthy.   Keywords: Health Level, RGEC Method, BRI Syariah AbstrakSetiap bank harus memiliki tingkat kesehatan bank dari segala aspek dengan kriteria sangat sehat, begitupula dengan PT. BRI Syariah. Maka dari itu, artikel ini bertujuan menganalisis faktor-faktor yang mempengaruhi tingkat kesehatan PT. BRI Syariah menggunakan ketentuan Bank Indonesia yaitu PBI No.13/1/PBI/2011 dan pedoman kriteria menggunakan SE. No.13/24/DPNP. Sesuai ketentuan tersebut, tingkat kesehatan bank diukur dengan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital). Artikel ini menggunakan metode deskriptif dan pendekatan kuantitatif untuk mengetahui tingkat kesehatan PT. BRI Syariah yang mana juga dibandingkan dengan dua bank syariah milik BUMN yaitu PT. BNI Syariah dan BSM.  Hasil penelitian menunjukkan bahwa dengan menggunakan metode RGEC faktor penilaian yang digunakan adalah NPF, FDR, ROA, BOPO, CAR, dan ROE. Terlihat bahwa Tingkat kesehatan PT. BRI Syariah masih berada di bawah BNI Syariah dan BSM. Hal ini menandakan bahwa BRI Syariah masih harus meningkatkan kinerja keuangannya untuk memiliki peringkat yang sehat pada peringkat satu yaitu sangat sehat. Kata kunci: Tingkat Kesehatan, Metode RGEC, BRI Syariah

scholarly journals Good Corporate Governance Menghasilkan Laporan Keuangan Berkualitas dan Pengaruhnya Terhadap Kinerja Keuangan

2020 ◽  
Vol 4 (1) ◽  
pp. 144
Author(s):  
Arna Suryani ◽  
Elia Rossa
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Audit Committee ◽  
Stock Exchange ◽  
Foreign Ownership ◽  
Financial Statement ◽  
Audit Committees ◽  
Coefficient Of Determination ◽  
Good Corporate Governance

This research aims at finding out and analyzing how good corporate governance produces financial statement which has a certain quality that affects the company's financial performance. The population of this research is a sub-sector of the property listed on the Indonesia Stock Exchange period of 2014-2018, with the selection of samples based on the selected purposive sampling of 16 companies. The data was analyzed by using multiple linear regression by conducting classical assumption tests and hypothesis tests. The results of the research show that good corporate governance measured with the commissioner, foreign ownership and audit committees are simultaneously and significantly affect the financial performance measured by return on asset. Partially the Board of Commissioners have a significant effect on financial performance with a substantial of 1.299. Foreign ownership and audit committees have no significant effect on the financial performance in which the value of sig is > 0.05. The value of coefficient of determination of R2 amounted to 72.9% showed that Return On Asset variation can be explained by the variation of Board of Commissioners, foreign ownership and audit committee and the remain is 27.1% which is explained by other factors that do not exist in this research. The results of this research proved that the most dominant variable which has significant effect to the financial performance is the Board of Commissioners. This should be a consideration for the company in the election or designation of the Board of Commissioners to improve implementation of good corporate governance principles in order to improve the company's financial performance.

scholarly journals ANALISIS PENERAPAN GOOD CORPORATE GOVERNANCE DALAM MENINGKATKAN KINERJA KEUANGAN PERUSAHAAN

2021 ◽  
Vol 5 (1) ◽  
pp. 31-41
Author(s):  
Budi gautama Siregar
Keyword(s):  
Corporate Governance ◽  
Data Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Agency Problems ◽  
Financial Statements ◽  
Good Corporate Governance ◽  
Research Period

The implementation of GCG is a concept that regulates the behavior of bank actors, namely company owners, management in carrying out their respective duties and responsibilities to minimize agency problems which in turn can improve the company's financial performance. This study aims to analyze the implementation of good corporate governance in improving financial performance at Islamic Commercial Banks for the 2012-2018 period. The study uses secondary data, namely the financial statements of Islamic Commercial Banks consistently published in the research period, namely 8 Islamic Commercial Banks. Based on the results of data analysis with the help of the eviews application, the results show that the implementation of good corporate governance has no effect on financial performance at Islamic Commercial Banks for the 2012-2018 period. Keywords: GCG, Financial Performance, BUS

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