TINGKAT KESEHATAN BANK DENGAN PENDEKATAN METODE RGEC PADA BANK PEMBANGUNAN DAERAH DIY

2018 ◽  
Vol 13 (2) ◽  
pp. 117
Author(s):  
Edy Anan ◽  
Roni Albarqis
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Commercial Bank ◽  
Descriptive Analysis ◽  
Risk Profile ◽  
Good Corporate Governance ◽  
Analysis Technique ◽  
Circular Letter ◽  
Profitability Assessment ◽  
Bank Soundness

ABSTRACTThis study is aimed to determine the soundness of commercial bank at PT. Bank Pembangunan Daerah DIY during the years 2011 until 2015 based on RGEC method that consisted of risk profile, good corporate governance, earnings and capital. The method that used to collect data isnonparticipant observation by documenting. Descriptive analysis technique based on the Bank Indonesia Circular Letter No. 13/24/DPNP about Assessment of Commercial Bank Soundness. The results show that the soundness level of Bank Pembangunan Daerah DIY in 2011 until 2015 wasproved. NPL and LDR that measured Risk Profile factor prove a well executed risk management. Good Corporate Governance factor shows BPD DIY has applied corporate governance well. Earnings factor or profitability assessment consist of ROA and NIM has increased and this sign of theincreasing of total assets owned by BPD DIY that followed by increasing of profit gained by BPD DIY. Using the CAR indicator, the author proved that BPD DIY has good Capital factor, which is above Bank Indonesia provision that 8%. Conclution of the result showed that soundness level ofBank Pembangunan Daerah DIY in 2011 until 2015 overall was in the first place of composite ranked with a very healthy predicate and the total of composite score for each year is 93%, 93% , 97%, 97% and 97%.ABSTRAKPenelitian ini bertujuan untuk mengetahui tingkat kesehatan bank pada PT. Bank Pembangunan Daerah DIY selama tahun 2011 hingga 2015 berdasarkan metode RGEC yang terdiri dari risk profile, good corporate governance, earnings dan capital. Metode pengumpulan data yang digunakan adalah observasi nonpartisipan dengan cara dokumentasi. Teknik analisis deskriptif dengan berpedoman pada Surat Edaran Bank Indonesia No. 13/24/DPNP tentang Penilaian Tingkat Kesehatan Bank Umum. Hasil analisis menunjukkan bahwa tingkat kesehatan BPD DIY pada tahun 2011 sampai dengan 2015 secara keseluruhan dapat dikatakan bank yang sehat. Faktor Risk Profile yang dinilai melalui NPL dan LDR secara keseluruhan menggambarkan pengelolaan risiko yangtelah dilaksanakan dengan baik. Faktor Good Corporate Governance, BPD DIY sudah menerapkan tata kelola perusahaan dengan baik. Faktor Earnings atau rentabilitas yang penilaiannya terdiri dari ROA dan NIM mengalami kenaikan dan hal ini menandakan bertambahnya jumlah aset yang dimiliki BPD DIY diikuti dengan bertambahnya keuntungan yang didapat oleh BPD DIY. Dengan menggunakan indikator CAR, peneliti membuktikan bahwa BPD DIY memiliki faktor Capital yang baik, yaitu diatas ketentuan Bank Indonesia sebesar 8%. Kesimpulan hasil penelitian menunjukkan bahwa PT. Bank Pembangunan Daerah DIY pada tahun 2011 hingga 2015 secara keseluruhan berada pada peringkat komposit satu dengan predikat sangat sehat serta masing-masing total nilai komposit sebesar 93%, 93%, 97% , 97% dan 97%

scholarly journals ANALISIS PERBEDAAN KINERJA KEUANGAN ANTARA BPD SYARIAH DAN BPD KONVENSIONAL DI JAWA MENGGUNAKAN METODE RGEC

2020 ◽  
Vol 6 (8) ◽  
pp. 1706
Author(s):  
Novrina Atika Putri ◽  
Siti Zulaikha
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Data Analysis ◽  
Financial Performance ◽  
Quantitative Research ◽  
Risk Profile ◽  
T Test ◽  
Good Corporate Governance ◽  
Analysis Technique ◽  
Bank Soundness

The RGEC approach is an assessment of the latest bank soundness that consists of risk profile, good corporate governance, earnings, capital, each of which is projected with the bank's financial performance. RGEC is able to identify problems early, solve problems more quickly, and implement better GCG and risk management so that it is resistant to crisis. This study aims to analyze whether there are differences between the level of health of conventional BPD and Islamic BPD in Java using the RGEC approach. This type of research is quantitative research. The sample in this study was selected by means of purposive sampling, based on predetermined criteria then obtained 4 conventional BPDs and 4 Islamic BPDs. The data analysis technique used in this study is the two different test averages (independent sample t-test). The results of this study prove that there are significant differences in the FDR and ROA variables between conventional BPD and Islamic BPD and there are no significant differences in the NPF, GCG, CAR variables.Keywords: RGEC, Bank Healthy, NPF, FDR, GCG, ROA, CAR

scholarly journals MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA

2020 ◽  
Vol 6 (1) ◽  
pp. 139-160
Author(s):  
Hendra Galuh Febrianto ◽  
Amalia Indah Fitriana
Keyword(s):  
Corporate Governance ◽  
Optimal Level ◽  
Risk Profile ◽  
Business Strategies ◽  
Islamic Banking ◽  
Risk Profiles ◽  
Good Corporate Governance ◽  
And Performance ◽  
Financial Research ◽  
Bank Soundness

ABSTRACT In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank. The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations. This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017. Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness   ABSTRAK Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut. Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru. Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017. Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank

scholarly journals Analisis Tingkat Kesehatan Bank Mandiri Syariah Dengan Metode Risk Profile, Good Corporate Governace, Earnings and Capital

2020 ◽  
Vol 6 (3) ◽  
pp. 724
Author(s):  
Anik Anik ◽  
Suhesti Ningsih
Keyword(s):  
Corporate Governance ◽  
Quantitative Methods ◽  
Sampling Technique ◽  
Risk Profile ◽  
Production Factors ◽  
Good Corporate Governance ◽  
Analysis Technique ◽  
Using Data ◽  
Quantitative Descriptive ◽  
Health Rating

The purpose of this research is to see the soundness level of Bank Syariah Mandiri with the method of Risk Profile, Good Corporate Governance, Earnings and Capital. The research method uses quantitative methods. Production factors in the RGEC method are the risk profile using credit risk (NPF), liquidity risk (FDR), income (ROA, ROE and BOPO) and capital (CAR). On the results of Good Corporate Governance using data processed and obtained from PT. Bank Syariah Mandiri. The object of this research is PT. Bank Syariah Mandiri. The sampling technique in this study using purposive sampling. This research period is 2013-2017. The data analysis technique used in this research is quantitative descriptive and using the RGEC method (Risk Profile, Good Corporate Governance, Earnings and Car), as for the benchmarks to determine the soundness level of a bank after each examination, namely by determining the results of the study classified into the bank's health rating. The results showed that the health of PT. Bank Syariah Mandiri which uses the Risk Profile approach, Good Corporate Governance, Earnings, and Capital as a whole can be said that Bank Syariah Mandiri is a fairly healthy bank.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DENGAN PENERAPAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS DAN CAPITAL) PADA PT.BANK BENGKULU

2019 ◽  
Vol 13 (1) ◽  
pp. 73-91
Author(s):  
Yun Fitriano ◽  
Ririn Marlina Sofyan
Keyword(s):  
Corporate Governance ◽  
Health Research ◽  
Risk Profile ◽  
Good Corporate Governance ◽  
Health Level ◽  
Bank Soundness

This study aims to determine the health level of PT. Bank Bengkulu in the 2014-2016 period if measured using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). Based on the results of the assessment of bank soundness by applying the RGEC method at PT. Bank Bengkulu is seen from factors, namely 1. Risk Profile, the results of the 2014 NPL ratio of 0.39%, in 2015 amounted to 0.39%, and in 2016 amounting to 0.33% can be said to be very healthy. The results of the LDR ratio in 2014 amounted to 85.79%, in 2015 amounted to 91.05%, and in 2016 amounting to 93.31% this could be said to be quite healthy. 2. Good Corporate Governance in the 2014-2016 period of 89.33% can be said to be very healthy. 3. Eanings, the results of the 2014 ROA ratio amounted to 3.69%, in 2015 amounted to 3.29%, and in 2016 amounting to 3.02% this could be said to be very healthy. The results of the BOPO ratio in 2014 amounted to 74.10%, in 2015 amounted to 80.54%, and in 2016 amounting to 77.71% this could be said to be very healthy. 4. Capital, the results of the 2014 CAR ratio amounted to 16.99%, in 2015 amounted to 21.39%, and in 2016 amounting to 19.07% can be said to be very healthy. The results of the health research at PT. Bank Bengkulu in the 2014-2016 period showed that PT. The Bengkulu Bank gets PK 1, which is very healthy.

scholarly journals Penilaian Tingkat Kesehatan Bank: Pendekatan CAMEL Dan RGEC

2019 ◽  
Vol 6 (2) ◽  
Author(s):  
Erika Amelia ◽  
Astiti Chandra Aprilianti
Keyword(s):  
Corporate Governance ◽  
Asset Management ◽  
Research Method ◽  
Secondary Data ◽  
Risk Profile ◽  
Sound Level ◽  
Capital Asset ◽  
Good Corporate Governance ◽  
Almost All ◽  
Bank Soundness

This study aims to determine the risk based bank rating at PT. Bank Maybank SyariahIndonesia if measured using CAMEL (Capital, Asset, Management, Earning,Liquidity) method and RGEC (Risk Profile, Good Corporate Governance, Earning,Capital) in 2011-2016 and also aims to know differences in ratios used in CAMELSand RGEC methods. The research method used in this research is literature researchor study desk study. The data used in this research is secondary data using financialstatements of Bank Maybank Syariah Indonesia Period 2011-2016. The results showthat the bank can be said to be adequately sound because almost all the ratios usedmeet the specified requirements and there are still some ratios that have not met therequirements, but in both methods have different results. In the year 2011-2014 therisk based bank rating of Maybank Syariah Bank is calculated using CAMEL methodof bank is in the sound level. In 2015 -2016, the calculation of bank soundness showsthat bank condition is in an sound level. In Maybank Syariah Bank the state of thebank is in the sound level is in 2011-2013 if calculated using the RGEC method. Inthe year 2014-2016 the condition of the bank shows a adequately sound level.

scholarly journals IMPLEMENTASI PRINSIP-PRINSIP GOOD CORPORATE GOVERNANCE DI KSPPS BMT SALAFIYAH SUKOREJO SUMBEREJO BANYUPUTIH KABUPATEN SITUBONDO

2021 ◽  
Vol 15 (1) ◽  
pp. 161-182
Author(s):  
Imroatus Sholiha
Keyword(s):  
Corporate Governance ◽  
Financial Institution ◽  
Descriptive Analysis ◽  
Boarding School ◽  
Internal Factors ◽  
Good Corporate Governance ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
Conducting Research ◽  
To Come

A Cooperative is a financial institution that aims to prosper its members. In addition to conventional cooperatives, there are now sharia cooperatives which in carrying out their operations use sharia principles. KSPPS BMT Salafiyah is one of them, KSPPS BMT Salafiyah is a savings and loan cooperative and sharia financing owned by the Salafiyah Syafi'iyah Islamic Boarding School Sukorejo. BMT is the closest Islamic financial institution to the community. And to maintain public trust in BMT, transparency, accountability, responsibility, professionalism, and fairness are needed in carrying out its operations. This study discusses Good Corporate Governance (GCG) in which there are 5 principles. The focus of the problem in this research are: first, how is the implementation of GCG principles in KSPPS BMT Salafiyah Sukorejo Sumberejo Banyuputih Situbondo?; second, what are the obstacles faced in implementing the principles of GCG in KSPPS BMT Salafiyah Sukorejo Sumberejo Banyuputih Situbondo? The purpose of this research is to describe how the implementation of GCG principles in KSPPS BMT Salafiyah and what are the obstacles in implementing GCG principles in KSPPS BMT Salafiayah Sukorejo Sumberejo Banyuputih Situbondo. This study uses a qualitative descriptive method and uses the instruments of observation, interviews, and documentation. Meanwhile, the data analysis uses descriptive analysis technique, which describes qualitatively when conducting research, with an emphasis on the Implementation of Good Corporate Governance (GCG) Principles at KSPPS Salafiyah Sukorejo Sumberejo Banyuputih Situbondo. The result of this research is that KSPPS BMT Salafiyah implements 5 principles of GCG, namely transparency, accountability, responsibility, professionalism, and fairness. And for the obstacles faced in implementing GCG, KSPPS BMT Salafiyah experienced obstacles in internal factors, namely the ebb and flow of employee discipline in carrying out their duties or obligations, the effort they made was to apply rules to employees to come to the office before 8 o'clock and give rewards to employees with high discipline.

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL)? Studi pada PT BPR SINAR KUTA Periode 2016-2018

2020 ◽  
Vol 11 (01) ◽  
Author(s):  
I Komang Gede ◽  
Tri Ratnawati
Keyword(s):  
Corporate Governance ◽  
Factor Analysis ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Bank Performance ◽  
Good Management ◽  
Good Corporate Governance ◽  
Bank Soundness

The results of this study indicate that based on the analysis of the BPR Sinar Kuta NPL formula in 2018 increased every year 2016 = 2.55%, 2017 = 3.12%, and 2018 =3.75%. and Liquidity risk using two ratios, namely LDR and LAR, has increased anddecreased. This shows that BPR Sinar Kuta has good profitability towards third partyrefunds. GCG Bank Sinar Kuta also has very good management as evidenced from 2016 -2018 showing a good composite predicate by determining a healthy bank valuation matrixbased on Bank Indonesia Regulation No.13 and the predicate is that all the compositevalues are still in greater or equal rules with (?) 1.5. When viewed from CAR, BankSinar Kuta is ranked 5th, it shows that Bank Sinar as a BPR Bank has a reasonable levelof health. Keywords: Factor Analysis, Bank Soundness, Bank Performance, RGEC

scholarly journals Peran Good Corporate Governance Terhadap Profitabilitas Perbankan Syariah

2018 ◽  
Vol 1 (1) ◽  
pp. 131
Author(s):  
Surepno Surepno ◽  
Minoto Minoto
Keyword(s):  
Corporate Governance ◽  
Regression Analysis ◽  
Empirical Evidence ◽  
Commercial Bank ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Research Data ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Good Corporate Governance

This study aims to analyze and obtain empirical evidence of the contribution of Good Corporate Governance on return on assets (ROA) as a proxy of sharia banking profitability in the period of 2010-2016. Populations of this research are sharia commercial bank registered in Bank Indonesia in the period of 2010 to 2016. By using purposive sampling technique, there are 7 sharia banks from 13 sharia banks in Indonesia during the period of 2010-2016. Furthermore, research data is obtained from GCG reports that have been published by sharia banking in the period of 2010-2016. The data is analyzed by descriptive analysis and regression analysis. Results show that GCG not contribution for profitability proxied by ROA. Based on the results, it can be concluded that Good Corporate Governance does not affect the profitability of sharia banking. Good Corporate Governance in sharia banking is still not effective and efficient as described by high remuneration and special facilities received by the board in sharia banking.

scholarly journals The Measurement of Bank’s Performance; Risk Profile, Good Corporate Governance, Earning and Capital to Fulfill the Qualified ASEAN Bank’s Criteria

2019 ◽  
Author(s):  
Rifzaldi Nasri ◽  
Nuraini .
Keyword(s):  
Corporate Governance ◽  
Commercial Bank ◽  
Research Design ◽  
Quantitative Methods ◽  
Sampling Technique ◽  
Risk Profile ◽  
Purposive Sampling ◽  
Good Corporate Governance ◽  
Performance Risk

The purpose of this study is to analyze the level of performance of Indonesian banks that meet the Qualified ASEAN Bank (QAB) in terms of aspects of Risk Profile, Good Corporate Governance (GCG), Earning, Capital. The research design is descriptive comparative with quantitative methods. The sampling technique used is Purposive Sampling from Indonesia’s national commercial bank which has the largest capital in ASEAN. The number of samples obtained was three banks, namely, Bank Mandiri, BRI Bank,andBCABank.TheresultsofthestudyshowthatonlyBCAbankshavethebest averageRGECvaluecomparedtoBankMandiriandBRIBank.BCABankcanmeetthe QAB criteria. Therefore, the Bank of BCA can rank I as a QAB Bank. This research is expected to provide information about the importance of measuring RGEC as a basis for meeting Qualified ASEAN Bank standards

scholarly journals Implementation Of Good Corporate Governance (Gcg) And Profit-Sharing Financing On Profitability In Sharia Commercial Banks

2021 ◽  
Vol 8 (2) ◽  
pp. 1-14
Author(s):  
Sri Lestari Kurniawati ◽  
Zubaidah Nasution
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Sampling Method ◽  
Descriptive Analysis ◽  
Profit Sharing ◽  
Significant Positive Effect ◽  
Independent Variables ◽  
Good Corporate Governance ◽  
Analysis Technique ◽  
Positive Effect

This study aims to determine the effect of Good Corporate Governance and profit-sharing financing on the performance of sharia commercial banks in Indonesia as measured by profitability. This study is quantitative by using Profitability variables (ROA and ROE) as the dependent variable and Good Corporate Governance and profit-sharing financing (mudharabah, musyarakah) as independent variables. The purposive sampling was used as the sampling method in order to obtain 10 Sharia Commercial Banks (SCB) with a study period of 2009-2018. The analysis technique used is descriptive analysis and statistical analysis of panel data with eviews 8.0. The results of the study stated that Good Corporate Governance and mudhorobah profit-sharing had a significant positive effect on profitability (ROA and ROE).

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