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 Penilaian Kesehatan Bank Perkreditan Rakyat Syariah (BPRS) ABC

2021 ◽  
Vol 23 (1) ◽  
pp. 17-26
Author(s):  
Arfan Anugrah Asyhari ◽  
Rangga Putra Ananto ◽  
Eka Rosalina
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Financial Services ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Qualitative Approach ◽  
Bank Risk ◽  
Descriptive Research ◽  
Good Corporate Governance ◽  
Bank Soundness

This study aims to determine the Bank Soundness Level with the object of Islamic Rural Banks registered with the Financial Services Authority in 2015-2019. The type of the research that used in this research is descriptive research with a qualitative approach. Assessment using the Risk-Based Bank Rating (RBBR) method consists of four factors, namely the Risk Profile, Good Corporate Governance, Earnings and Capital of each bank. The Risk Profile consists of credit risk and liquidity risk. Credit risk is measured using NPF and liquidity risk is measured using FDR. Earnings factor is measured by ROA and NIM ratio, Capital factor is calculated by CAR ratio. The results showed that the results obtained the predicate of being unhealthy and even quite healthy on the NPF, FDR, ROA, and NIM ratios, while the CAR ratios for the last 3 years received the predicate Very Healthy appropriate to Bank Indonesia regulations, which exceeded 12%  ABSTRAK  Penelitian ini bertujuan untuk mengetahui Tingkat Kesehatan Bank dengan objek Bank Perkreditan Rakyat Syariah yang terdaftar di Otoritas Jasa Keuangan pada tahun 2015-2019. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian desktiptif dengan pendekatan kualitatif. Penilaian dengan metode Risk-Based Bank Rating (RBBR) terdiri dari empat faktor yaitu Risk Profile, Good Corporate Governance, Earnings dan Capital dari setiap bank. Risk Profile terdiri dari risiko kredit dan risiko likuiditas. Risiko kredit diukur dengan menggunakan NPF dan risiko likuiditas diukur dengan menggunakan FDR. Faktor Earnings diukur dengan rasio ROA, ROE dan NIM, faktor Capital dihitung dengan rasio CAR. Hasil penelitian menunjukkan hasil yang memperoleh predikat kurang sehat bahkan cukup sehat atas rasio NPF, FDR, ROA, ROE dan NIM, sedangkan pada rasio CAR pada 3 tahun terakhir memperoleh predikat Sangat Sehat sesuai ketentuan Bank Indonesia yaitu melebihi 12%.

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 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 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 ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) PADA PT. BANK MANDIRI (PERSERO) PERIODE 2015 - 2018

2020 ◽  
Vol 20 (3) ◽  
pp. 1
Author(s):  
Pingkan Aprilia Maramis
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Commercial Bank ◽  
Liquidity Risk ◽  
Risk Profile ◽  
Self Assessment ◽  
Public Funds ◽  
Good Corporate Governance

ABSTRAK Dunia perbankan begitu penting dalam masyarakat maupun dalam memajukan perekonomian suatu Negara. Bank dijadikan sebagai tempat untuk melakukan berbagai transaksi yang berhubungan dengan keuangan seperti, tempat mengamnkan uang, melakukan investasi, pengiriman uang, melakukan pembayaran atau melakukan penagihan, Kasmir (2014:2). Menyadari pentingnya peranan bank, maka kesehatan bank harus terjaga karena bank mengelola dana masyarakat yang dipercayakan kepada bank. Berdasarkan Peraturan Bank Indonesia No. 13/1/PBI/2011 tentang Penilaian Tingkat Kesahatan Bank Umum dengan Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital yang selanjutnya disebut dengan metode RGEC. Penelitian ini bertujuan untuk mengetahui penilaian tingkat kesehatan Bank Mandiri Periode 2015-2018 dilihat dari factor Risk-Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Dalam penelitian ini penilaian pada factor Risk-Profile dilihat dari risiko kredit diukur dengan rasio NPL dan risiko likuiditas diukur dengan rasio LDR, factor Good Corporate Governance (GCG) diukur dengan penilaian self assessment bank, factor Earning diukur dengan rasio ROA, dan factor Capital diukur dengan rasio CAR. Hasil penelitian yang telah dilakukan menunjukan Bank Mandiri selama periode 2015-2018 pada factor Risk Profile dengan rasio NPL mendapatkan predikat Sehat, dengan rasio LDR mendapatkan predikat Cukup Sehat, pada factor GCG mendapatkan predikat Sangat Baik, pada factor Earnings mendapatkan predikat Sangat  Sehat, dan factor Capital mendapatkan predikat Sangat Sehat. Kata Kunci: profil risiko, GCG, Rentabilitas, Permodalan, Kesehatan Bank             ABSTRACT Banking is very important in society as well as in advancing the economy of a country. Banks are used as a place to carry out various financial-related transactions such as, a place to deposit money, make investments, send money, make payments or make collections, Kasmir (2014: 2).Recognizing the important role of banks, bank health must be maintained because banks manage public funds entrusted to banks. Based on Bank Indonesia Regulation No. 13/1 / PBI / 2011 concerning Evaluation of Commercial Bank Health Levels with Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital , hereinafter referred to as the RGEC method. This study aims to determine the level of soundness of Bank Mandiri for the period of 2015-2018 seen from thefactors Risk-Profile, Good Corporate Governance (GCG), Earnings, and Capital. In this study the assessment on factors Risk-Profile views of credit risk is measured by the ratio of NPL and liquidity risk is measured by the LDR, factor Good Corporate Governance (GCG) was measured with the assessment of self-assessment of banks, the factor Earning measured by ROA, and factors Capital is measured with a CAR ratio. The results of research that have been done show that Bank Mandiri during the 2015-2018 period on thefactor Risk Profile with the NPL ratio received the title of Healthy, with the LDR ratio getting the Pretty Healthy predicate, the GCG factor received the Very Good predicate, thefactor Earnings earned the Very Healthy predicate, and the factor Capital gets the title of Very Healthy. Keywords: risk profile, GCG, Profitability, Capital, Bank Health

scholarly journals ANALISIS KESEHATAN BANK DENGAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL PADA BANK MILIK NEGARA TAHUN 2013-2017

2019 ◽  
Vol 2 (2) ◽  
pp. 356
Author(s):  
Skalis Winda Munte ◽  
Selmi Dedi ◽  
Ted Matheus Suruan
Keyword(s):  
Corporate Governance ◽  
Credit Risk ◽  
Comparative Research ◽  
Liquidity Risk ◽  
Market Risk ◽  
Risk Profile ◽  
Self Assessment ◽  
Good Corporate Governance ◽  
Public Company ◽  
Composite Rating

This research was aimed to analysis risk base bank rating using RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital ) method in Bank of Public Company 2013-2017. This research was a comparative research. The analyzer was used in this research is RGEC method. Risk Profile was assessed by, credit risk, market risk, and liquidity  risk. Good Corporate Governance was assessed by self assessment of bank report. Earning was assessed by, i.e ROA, ROE, NIM, and BOPO. And for capital was assessed by CAR. The results of the study that PT. Bank Rakyat Indonesia (Persero) Tbk obtains the highest average weighted Composite Rating, which is 94.67%., PT. Bank Negara Indonesia (Persero) Tbk came in second place at 87.11%. and PT. Bank Tabungan Negara (Persero) Tbk obtains the lowest weighted Composite Rating weight of 85.78%. However, overall the three State-Owned Banks are still rated very healthy. However, it is hoped that further researchers will be able to take on more banks to provide a broader picture.

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 ANALISIS PENGARUH KINERJA KEUANGAN TERHADAP TNGKAT KESEHATAN BANK SYARIAH DENGAN MENGGUNAKAN METODE RGEC PERIODE 2012 - 2016

2018 ◽  
Vol 2 (1) ◽  
pp. 13
Author(s):  
Amalia Paramita Sari
Keyword(s):  
Health Assessment ◽  
Secondary Data ◽  
Financial Statements ◽  
Risk Profile ◽  
Bank Performance ◽  
Self Assessment ◽  
Descriptive Research ◽  
Good Corporate Governance ◽  
Independent Variable ◽  
Bank Soundness

This study aims to determine how the soundness of the Sharia Bank in the period 2012 - 2016. This type of research is descriptive research with quantitative approach. The variables used were risk profile as measured by the ratio of NPF and FDR, good corporate governance is measured through self-assessment results, profitability as measured by ROA and NIM, and Capital as measured by the ratio of CAR. The data used in this study is secondary data in the form of financial statements of 2012-2016 that have been audited by independent auditors and has been published. This study uses four samples, Bank Muamalat, Bank BRI Syariah, Bank Syariah Mandiri, and Bank BNI Syariah. The results showed that: (1) Variables The magnitude of the effect of NPF, FDR, GCG, ROA, NIM and CAR on bank soundness can be concluded that there are significant influence simultaneously. Independent variable able to explain dependent variable equal to 64%. (2) The variable that has significant partial effect on bank soundness is GCG variable. While the variable of NPF, FDR, ROA, NIM and CAR give insignificant influence to bank soundness. (3) Predicates of bank performance during the period 2012-2016 using RGEC method known to exist 92% of banks indicate that the condition of the bank is stable. This means that commercial banks can be categorized as " soundness" bank.Keywords: Accounting, Health Assessment, Sharia Bank. risk profile, GCG

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