scholarly journals Analisis Kesehatan Bank Dengan Menggunakan Metode RGEC Pada PT. Bank Mega Syariah Tbk. Periode 2016-2019

2021 ◽  
Vol 5 (1) ◽  
pp. 87-97
Author(s):  
Ade Ponirah ◽  
Faridha Nurazizah ◽  
Yesa Tiara Purnama Sari
Keyword(s):  
Corporate Governance ◽  
Annual Report ◽  
Risk Profile ◽  
Material Evaluation ◽  
Good Corporate Governance ◽  
Health Level

The level of health of the bank is very important for various related parties. Because it becomes information as a material evaluation of the performance of a bank. Bank Indonesia has issued rules as a basis for assessing the bank's health level. The method that is now widely used is RGEC consists of Risk Profile, Good Corporate Governance, Earnings, and Capital. In this method is assessed using predetermined provisions and comsits. In this study aims to analyze the level of health of banks in PT. Bank Mega Syariah Tbk for the period 2016-2019. The approach used is descriptive with quantifiable data from the annual report downloaded from the official web. The results of the study based on aspects of the bank's Risk Profile assessment measured by NPF are included in the healthy category, and then measured also by using FDR within four years included in the healthy category. In the good corporate governance (GCG) aspect, the bank is included in the composite two, namely healthy. Then on the overall Earnings aspect for four years the bank is included in the very healthy category. Then on the overall Earnings aspect for four years the bank is included in the very healthy category. Lastly on the Capital aspect the bank belongs to the very healthy category. Overall PT. Bank Mega Syariah Tbk within four years is at a composite value of 2 which means it falls into the healthy category.

PENERAPAN RGEC SEBAGAI INDIKATOR TINGKAT KESEHATAN PT BANK RAKYAT INDONESIA TBK TAHUN 2018-2020

2021 ◽  
Vol 19 (1) ◽  
pp. 12
Author(s):  
Tomy Rizky Izzalqurny ◽  
Aldi Santoso
Keyword(s):  
Corporate Governance ◽  
Research Method ◽  
Annual Report ◽  
Profile Analysis ◽  
Risk Profile ◽  
Good Corporate Governance ◽  
Health Level ◽  
Governance Analysis

ABSTRACTThe purpose of this study is to determine the level of bank health level using the RGEC indicator. The research method used is descriptive quantitative. The variables used as research measurements are the Risk Profile, Good Corporate Governance, Earnings, and Capital variables. The data used is the annual report of PT Bank Rakyat Indonesia AgroNiaga Tbk 2018-2020. Risk Profile analysis shows that the level of banking health can be said to be healthy. Good Corporate Governance analysis shows that the soundness of banking is said to be very good. Earnings analysis shows that the soundness of banking can be said to be unhealthy. Capital analysis shows that the soundness of banking can be said to be healthy.Keywords: Bank Health, BRI Agro, COVID-19, RGECABSTRAKTujuan dari penelitian ini adalah untuk mengetahui tingkat kesehatan bank dengan menggunakan indikator RGEC. Metode penelitian yang digunakan adalah deskriptif kuantitatif. Variabel yang digunakan sebagai pengukuran penelitian adalah variabel profil risiko, good corporate governance, earnings, dan capital. Data yang digunakan adalah laporan tahunan PT Bank Rakyat Indonesia AgroNiaga Tbk 2018-2020. Analisis profil risiko menunjukkan bahwa tingkat kesehatan perbankan dapat dikatakan sehat. Analisis good corporate governance menunjukkan bahwa tingkat kesehatan perbankan dapat dikatakan sangat baik. Analisis laba menunjukkan bahwa tingkat kesehatan perbankan dapat dikatakan tidak sehat. Analisis permodalan menunjukkan bahwa tingkat kesehatan perbankan dapat dikatakan sehat.Kata kunci: Kesehatan Bank, BRI Agro, COVID-19, RGEC

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 Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk-Based Bank Rating (RBBR) (Studi Pada Bank yang Termasuk Saham LQ45 Sub Sektor Perbankan Tahun 2010–2016)

2018 ◽  
Vol 10 (1) ◽  
Author(s):  
Bobby Wijaya
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Capital Adequacy ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance ◽  
Health Level ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This paper seeks to find out the health level of banks in Indonesia Stock Exchange LQ45 Index. It used descriptive methods with qualitative approach that is Risk Based Bank Rating (RBBR) model. RBBR model consists of 4 factors among others: risk profile, good corporate governance (GCG), earnings and capital factor.The analytical tool used in this study is the assessment of the level of health of banks in Indonesia Stock Exchange LQ45 Index against the risk factor using the ratio of net performing loans (NPLs) and Loan to Deposit Ratio (LDR), a factor of corporate governance by using the self-assessment report of good corporate governance, the earnings factor using the ratio of return on assets (ROA) and net interest margin (NIM) and the factor of capital using the ratio of capital adequacy ratio (CAR). The results showed that there are several banks which have "Less Healthy", "Healthy Enough", "Pretty Good". Bank Mandiri, BRI and BNI received the predicate of "Pretty Good" in risk profile factor for liquidity risk, whereas Bank BTN received the predicate of "Healthy Enough". Also, Bank BTN received the predicate of "Healthy Enough" and "Pretty Good" in earnings factor specifically ROA and GCG factor. Keywords:Indonesia Stock Exchange LQ45 Index, Health Level of Banks, Risk Based Bank Rating (RBBR) Model.

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

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.

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 TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL) PADA BNI SYARIAH TAHUN 2014-2017

2018 ◽  
Vol 1 (2) ◽  
pp. 207
Author(s):  
Maya Nurwijayanti ◽  
Lukman Santoso
Keyword(s):  
Corporate Governance ◽  
Profit Sharing ◽  
Risk Profile ◽  
Self Assessment ◽  
Financial Reports ◽  
Knowing How ◽  
Fund Managers ◽  
Good Corporate Governance ◽  
Health Level ◽  
Quantitative Descriptive

Abstract: Islamic banks with profit sharing systems have been designed to establish cooperation in bearing business risks and profit sharing between business owners (Shahibul Maal) and fund managers (mudarib). The bank under study is BNI Syariah. This study aims: 1) Knowing how the rating of Bank BNI Syariah's health level is reviewed from the Risk Profile in 2014-2017? 2) Knowing how to assess the soundness of Bank BNI Syariah in terms of Good Corporate Governance in 2014-2017? 3) Knowing how the rating of Bank BNI Syariah's health level is reviewed from Earnings in 2014-2017? 4) Knowing how the soundness rating of Bank BNI Syariah is reviewed from Capital in 2014-2017? This study uses a quantitative descriptive approach, the data collection techniques used are documentation techniques. The method of data analysis uses the RGEC method. The data is taken from the published annual financial reports at BNI Syariah. The analysis results obtained by the Risk Profile Level on BNI Syariah in 2014-2017 are "Adequate". The level of Good Corporate Governance (GCG) of BNI Syariah in 2014-2017 was ranked second in line with the criteria of "good", based on the results of bank BNI Syariah self assessment obtained from the corporate governance report. Level of Earnings (Rentability) in BNI Syariah Year 2014-2017 is "Adequate". Capital Level at BNI Syariah in 2014-2017 is "Very Adequate". Keywords: Risk Profile, Good Corporate Governance, Earnings, Capital الملخص: المصرفية الإسلامية هو نظام مصرفي تم تطويره على أساس الشريعة الإسلامية تم تصميم البنوك الإسلامية التي لديها نظم مشاركة الأرباح من أجل تأسيس التعاون في تنفيذ المخاطر التجارية ومشاركة نتائج الأعمال بين:  صاحب المال الذي يحتفظ بأمواله في المؤسسة و المضارب كمدير صندوق البنوك بحاجة إلى تقييم لصحتهم حتى يتمكنوا من كسب ثقة المجتمع البنك قيد الدراسة هو BNI Syariah تهدف هذه الدراسة إلى: 1. معرفة كيف يتم تقييم مستوى الصحة من بنك BNI Syariah من ملف المخاطر في 2014-2017؟. 2. معرفة كيفية تقييم سلامة بنك BNI Syariah من حيث حوكمة الشركات الجيدة في 2014-2017؟.3 . معرفة كيف يتم تقييم مستوى الصحة من بنك BNI Syariah من الأرباح في 2014-2017؟.4 . معرفة كيف يتم تقييم تصنيف سلامة بنك BNI Syariah من رأس المال في 2014-2017؟. تستخدم هذه الدراسة المنهج الوصفي الكمي، وتقنيات جمع البيانات المستخدمة هي تقنيات التوثيق. طريقة تحليل البيانات المستخدمة هي طريقة .RGECالبيانات المستخدمة تأتي من البيانات المالية للنهاية الصادرة عن بنك BNI Syariah. من نتائج التحليل التي تم الحصول عليها مستوى المخاطر الشخصية في BNI Syariah في 2014-2017 هو "كافية". وقد تم تصنيف مستوى حوكمة الشركات الجيدة (GCG) في BNI Syariah في 2014 و 2015 و 2016 و 2017 في المرتبة الثانية بمعايير "جيدة" ، بناءً على نتائج التقييم الذاتي للبنك الإسلامي للشريعة الإسلامية الذي تم الحصول عليه من تقرير حوكمة الشركات مستوى الأرباح (القابلية للإستثمار) في BNI Syariah في عام 2014 كافٍ ، في 2015 كان "كافية "، في عام 2016 كان "كافية"، وفي 2017 كان "كافية". مستوى رأس المال (رأس المال) من BNI Syariah في عام 2014 كان "كافية جدا"، في عام 2015 كان "كافية جدا"، في عام 2016 كان "كافية جدا"، وفي عام 2017 كان "كافية جدا". Abstrak: Bank syariah dengan sistem bagi hasil dirancang untuk terbinanya kebersamaan dalam menanggung risiko dan bagi hasil usaha antara: pemilik dana (shahibul maal) dengan pengelola dana (mudharib). Bank yang diteliti adalah BNI Syariah. Penelitian ini bertujuan: 1) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Risk Profile pada tahun 2014-2017? 2) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Good Corporate Governance pada tahun 2014-2017? 3) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Earnings pada tahun 2014-2017? 4) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI  Syariah ditinjau dari Capital pada tahun 2014-2017? Penelitian ini menggunakan pendekatan deskriptif kuantitatif, teknik pengumpulan data yang digunakan adalah teknik dokumentasi. Metode analisis data menggunakan metode RGEC. Adapun datanya berasal dari laporan keuangan akhir tahun BNI Syariah yang dipublikasikan. Hasil analisis diperoleh Tingkat Risk Profile (Profil Risiko) pada BNI Syariah Tahun 2014-2017 adalah “Memadai”. Tingkat Good Corporate Governance (GCG) BNI Syariah pada tahun 2014-2017 berturut-turut menempati peringkat 2 dengan kriteria “baik”, berdasarkan hasil self assessment bank BNI Syariah yang diperoleh dari laporan tata kelola perusahaan. Tingkat Earnings (Rentabilitas) pada BNI Syariah Tahun 2014-2017 adalah “Memadai”. Tingkat Capital (Permodalan) pada BNI Syariah Tahun 2014-2017 adalah “Sangat Memadai”.

scholarly journals Analisis Tingkat Kesehatan Bank Dinilai Menggunakan Rasio CAMEL dan Rasio RGEC pada PT. BRI Srikaton)

2021 ◽  
Vol 16 (1) ◽  
pp. 54-67
Author(s):  
Subianto ◽  
Miki Indika ◽  
Muhammad Rezeki
Keyword(s):  
Corporate Governance ◽  
Quality Management ◽  
Risk Profile ◽  
Capital Asset ◽  
Management Quality ◽  
Good Corporate Governance ◽  
Health Level ◽  
Collection Data ◽  
Asset Quality ◽  
Descriptive Method

The aim of this study is to see the health level of BRI (Bank Rakyat Indonesia) of 2018 and 2019 by CAMEL and RGEC ratio. This study is quantitative study. Collection data technique of this study are interview and documentation while analyzing data technique is through descriptive method where CAMEL is consisted of capital, asset quality, management quality, feasibility and liquidity factor while RGEC is consisted of risk profile, good corporate governance, and earning factor. Based on the result of this study, CAMEL of 2018 and 2019 are 99,41 and 99,23 categorized as “health”. RGEC of 2018 and 2019 are 96,67 percent categorized as “health”.   Keywords: Health level, CAMEL, RGEC

scholarly journals ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC)

2019 ◽  
Vol 12 (1) ◽  
pp. 12-27
Author(s):  
Auliya Rokhmatika ◽  
Chairil Afandy
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Risk Profile ◽  
Financial Reports ◽  
Financial Condition ◽  
Good Corporate Governance ◽  
Health Level

This research is conducted to detect the health level of Bank listed in indonesian stock exchange using RGEC period 2014-2015. RGEC is the aspect that most influence on the financial condition of banks, which also affect the health of banks. By using the NPL, LDR, IRR, NPM, ROA, NIM and CAR. Population in this study are all companies of Bank listed on stock exchange totaling 42 companies. Based on sampling criteria finally obtained sample is 21 companies of bank publish financial reports continuously in the period 2014-2015. The results obtained that the NPL from overall of bank sampel in 2014-2015 categorized is healthy. The results obtained that the LDR from sampel there’s counted 6 healthy categorized company enough. Companies categorized as unhealthy counted 6 bank. The results obtained from IRR variable there’s counted 2 healthy expressed bank and there’s counted 9 bank categorized as unhealthy. NPM variable obtained get result counted 8 bank categorized as unhealthy, there’s counted 7 bank categorized very healthy and 2 bank categorized healthy. ROA variable there’s counted 2 bank categorized as unhealthy and 3 bank categorized very healthy. NIM variable there’s counted 4 bank categorized healthy and 17 bank categorized as very healthy. CAR variable there’s counted 1 company categorized healthy and 20 company categorized very healthy.

scholarly journals 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)

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.

scholarly journals THE SOUNDNESS LEVEL OF ISLAMIC BANK GO PUBLIC USING RGEC. (Risk Profile, Good Corporate Governance, Earnings, And Capital)

2021 ◽  
Vol 4 (1) ◽  
pp. 54-59
Author(s):  
Dahliyana Arsi Puji Lestari
Keyword(s):  
Corporate Governance ◽  
Stock Exchange ◽  
Descriptive Analysis ◽  
Health Assessment ◽  
Good Health ◽  
Health Condition ◽  
Risk Profile ◽  
Islamic Bank ◽  
Good Corporate Governance ◽  
Health Level

This paper aim to assess and analyst bank health level of Sharia banks listed on the Indonesia Stock Exchange or go public. Bank health assessment uses RGEC (Risk Profile, Good Corporate Governance, Earnings, And Capital) which is the latest regulation from Bank Indonesia. The sample is a Sharia Sharia banks listed with the period in 2019, so the result is an assessment of the health condition of the bank sample in 2019. The method used is descriptive analysis. The results showed that Sharia banks with the period in 2019 in good health, but there were several notes on each sample tested. More comprehensive tests need to be carried out in order to obtain better health assessment results.

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