Penilaian Tingkat Kesehatan Perbankan Syariah di Indonesia dengan Metode RGEC (original) (raw)
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Analisis tingkat kesehatan bank umum syariah dengan menggunakan pendekatan RGEC periode 2011-2015
2016
Banking should always be assessed health to stay fit in serving the customers, the Bank that classified unhealthy can inflict the bank institution itself and of the others, namely the customers of the bank. To assess a health bank can be viewed from various aspects of assessment, this research aimed to determine whether the bank is in a very healthy, healthy, healthy enough, less healthy or unhealthy. There were several methods that can be used to assess or analyze the health of the banking, namely CAMEL, CAMELS and RGEC. This research was a quantitative research, with descriptive approach. The data used was secondary data on 34 banking companies consisted of 11 companies of Syaria public banks and 23 companies of Syaria business units. Analysis conducted in this study was to use the calculation of financial ratios that have been set by the financial services authority. The results showed that the health level of Syaria public Bank and Syaria Business Unit with using CAMELS method and RGEC showed health predicate of the bank in accordance with the standards set by Bank Indonesia, for the period 2011 can be concluded that the Syaria public Banks and Sharia Business Unit of composite rankings "HEALT", the period of 2012 with the conclusion of composite rating "HEALT", and for the period of 2013 with the conclusion of composite rating "HEALT". RGEC method can be said to be better than in the two previous methods, namely CAMELS and CAMEL, through RGEC, BI (Bank Indonesia) wanted banks to be able to identify problems early, performed the appropriate and faster follow-CAMELS RGEC Analisis Tingkat Kesehatan Bank Umum Syariah dan Unit Usaha Syariah up improvements, and implemented Good Corporate Governance (GCG) and better risk management so banks will be more resilient in the face of crisis.
Metode RGEC untuk Menganalisis Kesehatan Bank di Bank BRI Syariah
Jurnal Maps (Manajemen Perbankan Syariah)
The background of this research is the fluctuation in financial ratios which is influenced by the amount of non-performing financing, the amount of third party funds released for financing, the ability of bank management to control the efficiency of the company, and the adequacy of capital owned by the bank. So that with the aim of knowing the level of bank soundness at BRI Syariah Bank for the period 2016 - 2020, an analysis is carried out according to the Financial Services Authority Regulation No. 8/POJK.03/2014 concerning the assessment of the soundness level of Islamic commercial banks and sharia business units, namely by using the RGEC method. In this study, the method used is a qualitative research with a descriptive approach. Secondary data is obtained from the BRI Syariah Bank Annual Report and the GCG Implementation Report published on the company's official website. Data collection was carried out by the author using documentation and literature studies. In this study...
Metode Rgec : Penilaian Tingkat Kesehatan Bank Pada Perusahaan Perbankan Syariah
I-Finance: a Research Journal on Islamic Finance, 2019
This study aims to determine the health level of Sharia Commercial Banks using the measurement method regulated in Bank Indonesia Regulation PBI No.13 / 1 / PBI / 2011, concerning Bank Soundness Rating using the RGEC method. The rating factor in the RGEC method is the risk profile factor (bank risk), the factor of Good Coorporate Governance (GCG), earnings factors (profitability) and capital (capital) factors. The object of this research is all Islamic banking companies listed on the Indonesia Stock Exchange in the period 2014 to 2016. The sampling technique in this study used purposive sampling. The analysis technique in this study is descriptive quantitative by calculating financial ratios using the RGEC method. The results of this study indicate that banks that have a healthy level of health in the very healthy category for the period 2014 to 2016 are Bank Syariah Mandiri, BRI Syariah, BCA Syariah and BNI Syariah , Bank Bukopin Syariah.
Penerapan Rgec Untuk Menilai Tingkat Kesehatan Bank Syariah
Jurnal Ekonomi Syariah dan Akuntansi, 2021
Penelitian ini bertujuan mengetahui tingkat kesehatan Bank Syariah dengan menggunakan metode pengukuran yang diatur dalam peraturan Bank Indonesia PBI No 13/1/PBI/2011 tentang peringkat kesehatan bank menggunakan metode RGEC. faktor penilaian dalam metode RGEC adalah factor profil risiko, factor tata kelola perusaan yang baik (GCG), factor profitabilitas, dan factor modal. Objek penelitian ini adalah semua perusahaan perbankan syariah yang terdaftar di Bursa Efek Indonesia pada periode 2017 hingga 2019. Teknik pengambilan sampel dalam penelitian ini menggunakan sensus atau populasi. Teknik analisis dalam penelitian ini adalah dekriptif kuantitatif. Hasil penelitian ini menunjukkan bahwa bank syariah yang termasuk dalam ketegori sehat adalah bank Panin Dubai Syariah, dan bank syariah yang termasuk ke dalam kategori sangat sehat adalah Bank Rakyat Indonesia Syariah dan Bank Tabungan Pensiun Negara Syariah.
Jurnal Ilmiah Ekonomi Islam, 2020
The purpose of this research is to determine the influence of the four aspects of RGEC on the assessment of the bank's health level at PT Bank Rakyat Indonesia Syariah. This research uses RGEC method consisting of risk profile, good corporate governace, earning and capital. The sampling techniques in this study used saturated sample methods. And the sample used in this study is the financial statements of PT. Bank BRI Syariah from 2013 to 2018. As one of the sharia public banks in Indonesia, BRI Syariah Tbk bank must maintain the bank's health level in the following years in order to maintain public trust, customers and stake holders towards BRI Syariah Tbk bank. There are several assessment indicators in certain years that fluctuate, this needs to be considered so that in the following years the indicator is maintained stability so as not to adversely affect performance. PT Bank BRI Syariah Tbk also needs to lower operating costs from rank 5 which is unhealthy to rank 1 ver...
Analisis Tingkat Kesehatan Bank Syariah Indonesia (BSI) Dengan Metode RGEC Pada Periode 2019-2022
Syi`ar Iqtishadi, 2023
This study aims to determine the level of banking health at PT. Bank Syariah Indonesia during 2019-2022 based on the RGEC method consisting of risk profile, good corporate governance, earnings, and capital. The data collection method used is non-participant observation by means of documentation. Descriptive analysis techniques are guided by Bank Indonesia Circular Letter No. 13/24/DPNP concerning the Health Level Assessment of Commercial Banks. The results showed that PT. BSI's health level bank for the 2019 period is in the healthy category with a value of 83% being in the PK-2 composite predicate. This year was the beginning of the Covid-19 pandemic, but from the overall assessment and analysis carried out, it turned out that it did not have much effect on BSI's health level. In 2020-2022 BSI experienced an excellent level of health. That is 86% in PK-1 for 2020 and 91% in PK-1 for 2021 and 2022.
Komparasi Tingkat Kesehatan Bank Syariah Dengan Pendekatan Rgec
2019
Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Umum Syariah tahun 2016-2018 ditinjau aspek RGEC ( Risk Profile, GoodCorporate Governance (GCG), Earnings, Capital ). Tingkat kesehatan bank diukur melalui beberapa rasio keuangan. Rasio-rasio tersebut diantaranya adalah NPF, FDR, GCG, ROA, NIM, CAR. Hasil penelitian menunjukkan bahwa di tahun 2016 Bank Umum Syariah di Indonesia berada pada peringkat komposit (PK-3) dengan nilai komposit 70%.Pada tahun 2017 dan tahun 2018 Bank Umum Syariah di Indonesia berada pada peringkat yang sama selama 2 periode yaitu peringkat komposit (PK-1). Dengan nilai komposit tahun 2017 sebesar 90%sedangkan tahun 2018 nilai komposit 86,7%. Hasil komporasi atau perbandingan pada tahun 2016-2018, tahun 2016 bank yang dalam keadaan sangat sehat berjumlah 6 bank, kemudian bank dalam keadaan sehat 4 bank, selanjutnya bank dalam keadaan cukup sehat adalah 3 bank. Pada tahun 2017 dimana bank dalam keadaan sangat sehat berjumlah 8 bank, kemudian ba...
2021
Industri Perbankan Syariah merupakan bagian penting Lembaga Keuangan Indonesia yang mendukung pendukung pertumbuhan ekonomi dan berperanan sangat penting dalam pengelolaan dana masyarakat, dimana dengan performa finansial yang bagus dapat meningkatkan level kepercayaan sebagai wadah yang aman dan sehat untuk penanaman dan pengoelolaan dana masyarakat. Adapun penelitian ini dilaksanakan dengan penerapan metode CAMEL dan RGEC dalam rangka mengukur tingkat kesehatan perbankan syariah, yaitu dengan cara pengukuran rasio CAR, KAP, NPM, ROA, BOPO, LDR, NIM, NPL dan GCG terhadap kinerja Perbankan Syariah yang listing di Bursa Efek Indonesia dalam rentang periode penelitian tahun 2015-2019 berdasarkan “Surat Edaran Bank Indoneisa Nomor 6/23/DPNP/2004”. Sampel untuk pengukuran ini dibatasi dengan penerapan metode p ur posive sampling sebanyak 3 (tiga) Bank Syariah dengan menggunakan data yang bersifat sekunder yang diunduh dari www.idx.co.id , www.bi.go.id , dilengkapi dengan website tiap sa...