ANALISIS PENILAIAN TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) PADA PT BANK HARDA INTERNASIONAL Tbk YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2017 – 2019

Abstract

In the world of banking, the soundness of a bank is one of the most important elements in the survival of a banking institution. The rules regarding the soundness of banks themselves have been regulated by Bank Indonesia. One of them is the regulation on the soundness of banks which is regulated in accordance with PBI No.13/1/PBI/2011 dated January 5, 2011 which contains the Assessment of the Soundness of Commercial Banks.

This research aims to determine the assessment of the health level of PT. Bank Harda Internasional Tbk in 2017-2019 using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital). The variables used are Risk Profile which is measured by the ratio of NPL and LDR, GCG is measured by self- assessment, Earning is measured by the ratio of ROA and NIM and Capital is measured by the CAR ratio.

The results of this research showed that the health level of PT. Bank Harda Internasional Tbk using the RGEC method in 2017 was in PK 2 with the "Healthy" criteria and in 2018-2019 were in PK 3 with the "Sufficiently Healthy" criteria. so that it is stated that the hypothesis testing in 2017 was rejected and in 2018 and 2019 the hypothesis testing was declared accepted.