Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Rgec Pada PT. Bank Tabungan Negara, Tbk. Periode 2015-2017

This study aimed to analyze the health of a bank, at PT. Bank Tabungan Negara, Tbk. by using the Rgec method. The Rgec method consists of several components, namely Risk Profile, Good Corporate Governance, Earnings, Capital. of these components also have indicators. which will later rank a bank which is ranked in what category, based on calculations through the company's financial statement data. This research uses quantitative descriptive research. The data source used is secondary data with documentation data collection techniques. Based on the results of data analysis, it was concluded that during the 2015-2017 period, (1) Bank BTN risk profile was in a healthy condition with NPL of 1,60%, 1,40% and 1,30% respectively, and LDR of 109,54%, 103,63%, and 104,19%. (2) GCG for the period 2015-2017 is 2 with healthy criteria. (3) Earnings in the 2015-2017 period are in a healthy condition with ROA of 1,47%, 1,55%, and 1,47%, NIM of 3,96%, 3,81%, and 3,57% , BOPO was 78,67%, 77,96% and 77,12%. (4) Capital is in a very healthy condition with a CAR value of 16,96%, 20,33% and 18,86%. (5) Rgec as a whole is in Composite Rating 1 which is very healthy with a value of 85,71%.

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

AT-TAWASSUTH: Jurnal Ekonomi Islam ◽

10.30821/ajei.v4i1.4086 ◽

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>

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

AT-TAWASSUTH: Jurnal Ekonomi Islam ◽

10.30829/ajei.v4i1.4086 ◽

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

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Analisis Perbandingan Tingkat Kesehatan Bank dengan Menggunakan Pendekatan RGEC (Studi pada PT. Bank Mandiri (Persero), Tbk dan PT. Bank Negara Indonesia (Persero), Tbk Periode 2014-2018)

J-MAS (Jurnal Manajemen dan Sains) ◽

10.33087/jmas.v4i2.116 ◽

2019 ◽

Vol 4 (2) ◽

pp. 342

Author(s):

Marissa Putriana ◽

Susi Artati

Keyword(s):

Corporate Governance ◽

Risk Profile ◽

Risk Indicators ◽

Risk Indicator ◽

Self Assessment ◽

Value Analysis ◽

Descriptive Research ◽

Good Corporate Governance ◽

Health Level ◽

Quantitative Descriptive

This research aims to analyse how the health level comparison of PT Bank Mandiri (Persero), Tbk with PT Bank Negara Indonesia (Persero), Tbk using RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) approach In 2014-2018. The type of research used is quantitative descriptive research. Research results show the health level of Bank Mandiri and BNI in 2014-2018 overall healthy. Risk Profile Bank Mandiri and BNI bank with the credit risk indicator gained a healthy predicate and with the risk indicators of the liquidity of both banks earned a fairly healthy predicate. Assessment of Good Corporate Governance (GCG) based on Self Assessment showed that Bank Mandiri obtained very good predicate while BNI Bank obtained good predicate. The Earnings assessment of the ROA and NIM ratio analysis and Capital valuation based on the CAR value analysis showed that Bank Mandiri and BNI Bank gained a very healthy predicate.

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APPLYING RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING AND CAPITAL (RGEC) METHOD TO PREDICT THE BANK HEALTH (CASE STUDY ON PT. BANK TABUNGAN NEGARA)

ACCOUNTABILITY ◽

10.32400/ja.24570.7.02.2018.16-32 ◽

2018 ◽

Vol 7 (02) ◽

pp. 16

Author(s):

Zainuddin Zainuddin ◽

Yustiana Djaelani

Keyword(s):

Corporate Governance ◽

Risk Profile ◽

Return On Assets ◽

Good Corporate Governance ◽

Net Interest Margin ◽

Composite Rating ◽

Quantitative Descriptive ◽

Method Approach ◽

Descriptive Method

This study aimed to analyze the health of PT. Bank Tabungan Negara (Persero) Tbk over period of 2013 to 2017 RGEC method approach (Risk Profile, Good Corporate Governance, Earnings, Capital). This research is quantitative descriptive method. The variables in this study include Risk Profile using the ratio of Non Performing Loans (NPLs) and loan to Deposits Ratio (LDR), GCG using Composite Rating GCG, Earnings use ratios Return on Assets (ROA) and Net Interest Margin (NIM) and Last Capital uses Adequacy Capital ratio (CAR). The results showed Bank BTN predicate healthy enough where banks are still quite capable of carrying out risk-based banking management well, so they deserve to be trusted community. However, the calculation of the proportion of Loan to Deposits Ratio (LDR) is below standard bank of Indonesia with the predicate less healthy.

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ANALISIS PENILAIAN TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, AND CAPITAL) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2014–2016

Accounting and Management Journal ◽

10.33086/amj.v2i2.890 ◽

2019 ◽

Vol 2 (2) ◽

Cited By ~ 1

Author(s):

Siti Rodiyah

Keyword(s):

Corporate Governance ◽

Risk Profile ◽

Financial Statement ◽

Self Assessment ◽

Descriptive Research ◽

Good Corporate Governance ◽

Analysis Technique ◽

Qualitative Descriptive ◽

Using Data ◽

Assessment Result

This study aims to determine how the health of Sharia Commercial Banks using RGEC method. Data analysis technique used in this research is RGEC method and financial statement analysis. The type of qualitative descriptive research with quantitative data. The assessment factors on RGEC method are: risk profile using measurement indicators on credit risk factor (NPF) and liquidity risk (FDR), good corporate governance using data that has been processed and obtained from each sharia bank (self-assessment result), earnings using measurement indicators on ROA, NIM, ROE, and BOPO, capital using measurement indicators on CAR. The results of this study indicate that banks that have healthy health status in 2014 to 2016 are BCA Syariah and BNI Syariah. While banks that are in fairly healthy condition consistently period 2014 until 2016 is Bank Muamalat and Bank Victoria Sharia. While other banks the level of health is quite volatile ie in a healthy and quite healthy.

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

JURNAL ILMIAH EKONOMI ISLAM ◽

10.29040/jiei.v6i3.1466 ◽

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.

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Penilaian Tingkat Kesehatan Bank: Pendekatan CAMEL Dan RGEC

JURNAL AKUNTANSI DAN KEUANGAN ISLAM ◽

10.35836/jakis.v6i2.5 ◽

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.

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Penilaian Kesehatan Bank (Studi Pada PT. Bank Muamalat Indonesia, Tbk. Tahun 2016- 2019)

Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah ◽

10.29300/ba.v6i1.4397 ◽

2021 ◽

Vol 6 (1) ◽

pp. 1

Author(s):

Citra Puspa Permata

Keyword(s):

Corporate Governance ◽

Annual Report ◽

Secondary Data ◽

Descriptive Study ◽

Risk Profile ◽

Financial Health ◽

Self Assessment ◽

Financial Condition ◽

Financial Conditions ◽

Good Corporate Governance

This study aims to determine the financial health of PT. Bank Muamalat Indonesia, Tbk from four aspects in RGEC which is Risk Profile, Good Corporate Governance, Earnings, and Capital. This research is a descriptive study with a quantitative approach. The main data of this study comes from the Annual Report of PT. Bank Muamalat Indonesia, Tbk. from 2016 to 2019, the so-called secondary data were analyzed using the RGEC method. The results showed that in the period 2016-2019, the risk profile aspect of PT. Bank Muamalat Indonesia with the NPF and FDR Indicator on average is in a healthy financial condition, but the CR indicator showed unhealthy financial conditions. The GCG aspect using self-assessment showed a fairly healthy financial condition, the earnings aspect. with NOM, ROA and average ROE showed unhealthy financial conditions, as well as the capital aspect with average CAR and PR ratios is in very healthy financial conditions.

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

Cakrawala Management Business Journal ◽

10.30862/cm-bj.v2i2.49 ◽

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.

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ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN PENDEKATAN RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL)

Jurnal Ihtiyath ◽

10.32505/ihtiyath.v2i2.710 ◽

2018 ◽

Vol 2 (2) ◽

Author(s):

Meutia Dewi

Keyword(s):

Corporate Governance ◽

Data Analysis ◽

Descriptive Analysis ◽

Risk Profile ◽

Quantitative Approach ◽

Average Value ◽

Good Corporate Governance ◽

Composite Rating

This study aims to determine the soundness of the bank at PT. Bank Rakyat Republik, Tbk which is seen from risk profile factors, good corporate governance, earnings, and capital during the period 2013-2017. The method of data analysis in this study is descriptive analysis with a quantitative approach. In the results of data analysis, it can be explained that the soundness of the bank at PT. Bank Rakyat Indonesia, Tbk, judging from the risk profile factor, shows that the bank’s NPL below 2% with a very healthy predicate and the majority of bank LDR predicate is quite healty. The factor of good corporate governance shows that the bank has a very trusted title. The earnings factor shows that bank ROA of more than 1.5% with a very healthy predicate and bank NIM of more than 3% with a very healthy predicate. The capital factor shows that the bank CAR of more than 12% has a ver healthy predicate. So that the assessment of the soundness of the bank at PT. Bank Rakyat Indonesia, Tbk seen fromrisk profile factors, good corporate governance, earnings, and capital during the period 2013-2017 with an average value of 93,99% included in the category of “Very Healthy” or composite rating 1 (PK-1)

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