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

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 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 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 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 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%.

scholarly journals ANALISIS RGEC UNTUK MENILAI TINGKAT KESEHATAN BANK PADA PERUSAHAAN PERBANKAN BUMN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2013-2015

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Sri Brahmayanti ◽  
Tika Wahyunanti
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Public Confidence ◽  
Financial Ratio ◽  
Minimum Capital ◽  
Minimum Capital Requirement ◽  
Good Corporate Governance ◽  
Almost All ◽  
Bank Soundness

ABSTRACTThis study entitled "RGEC Analysis to Assess Bank Soundness Levels in State-Owned Banking Companies Listed on Indonesia Stock Exchange for the Period 2013-2015". The 1997 and 2008 crises that caused a decline in public confidence in the Bank led the authors to conduct research on the bank's health analysis. The purpose of this research is to know the rating of Bank Soundness at State-Owned Bank (BNI, BRI, Bank Mandiri, and BTN) listed on BEI in terms of RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) in 2013-2015.This research method using descriptive with quantitative approach. The population of this study is all state banks listed in the directory of Bank Indonesia, which has an annual report period 2013 to 2015. The number of samples as many as four banks by passing through the purposive sample stage. Data collection techniques used are techniques of documentation and literature techniques. Data analysis method using RGEC method is by collecting the required data and then assess the risk profile factor that is calculate credit risk with NPL ratio and liquidity risk with LDR ratio. Then the GCG assessment conducted by self assessment by Bank. Assessment of earning factors by calculating ROA and NIM ratios and capital valuation factors using CAR ratios. The results of the analysis show that in the period 2013-2015 almost all the banks studied have a very healthy predicate except the BTN Bank is healthy. Risk Profile Factor shows the majority of bank NPLs below 5% and the majority of LDR predicated banks are quite healthy. Good Corporate Governance factor shows the bank gets very good and good predicate. Earning factor shows bank ROA more than 1.5% and NIM bank more than 3%. Capital Factor shows that bank CAR is more than 12% so it can fulfill the minimum capital requirement requirement of 8%. The general conclusion of soundness of BUMN Bank consisting of BNI, BRI, Bank Mandiri in the period of 2013-2015 using RGEC method that is Risk Profile, Good Corporate Governance, Earnings, Capital predicate VERY HEALTHY in composite rank 1, although one of the predicate of SEHAT at composite rank 2 is BTN. It is suggested for further research to expand the scope of research on bank soundness rating by using other financial ratio indicator with the latest method in accordance with Bank Indonesia Circular Letter. And for a bank that has been predicated very healthy to maintain it in the coming year. Keywords: Bank Health Level, NPL, LDR, GCG, ROA, NIM, CAR

scholarly journals ANALISIS PENILAIAN TINGKAT KESEHATAN BANK SYARIAH BERDASARKAN METODE RGEC TAHUN 2012 - 2016

2018 ◽  
Vol 3 (1) ◽  
pp. 12 ◽  
Author(s):  
AHMAD KHUDORI
Keyword(s):  
Corporate Governance ◽  
Secondary Data ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Islamic Banking ◽  
Return On Equity ◽  
Good Corporate Governance ◽  
Income Ratio ◽  
Used Car

The purpose of this research is to know the level of health of Islamic banking in Indonesia using RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) in the period 2012 – 2016. Research methods used include quantitative and qualitative methods. On quantitative method describes the Risk Profile using NPF financial ratios (Non Performing Financing), and FDR (Financing the Deposit Ratio), using Earnings ratio ROA (return on assets), ROE (return on equity), BOPO (Cost to Income Ratio), and Capital used CAR (Capital Adequacy Ratio). On the qualitative method describes the Good Corporate Governance. Types of data used are secondary data in the form of annual reports and publications reports published on the website that is managed per Islamic banking in Indonesia. The results of the research show that there are some health conditions in Islamic banking by category very healthy is Panin Bank Syariah, healthy category i.e, BCA Bank Syariah, BNI Bank Syariah, BRI Bank Syariah, Bukopin Bank, Mandiri Bank Syariah, Mega Bank Syariah, Muamalat Bank Syariah, and Victoria Bank Syariah. Categories less healthy are MayBank Syariah.

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