Analisis Tingkat Kesehatan PT. Bank Jago Tbk Dengan Menggunakan RGEC Tahun 2021

Aprilia Puspa Dewi Mardiana2 , EY. Suharyono

Abstract


The purpose of this study was to know and analyze the value of the Health Level with the RGEC Method of PT. Bank Jago, Tbk in 2021 in terms of NPL, LDR, GCG, ROA, NIM, dan CAR. The analyzer for this study are Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG), Return On Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). The required data is the data from 2021, resources by the official website of PT. Bank Jago, Tbk. The result of this study : 1) NPL in 2021 obtained a very healthy category. 2) LDR in 2021 obtained a quite healthy category. 3) GCG in 2021 obtained a healthy category. 4) ROA in 2021 obtained an unhealthy category. 5) NIM in 2021 obtained a very healthy category. 6) BOPO in 2021 obtained a not healthy category. 7) CAR 2021 obtained a very healthy category.The hypothesis result of Analyze the Health Level of PT. Bank Jago, Tbk with the RGEC Method in 2021 based on : 1) Risk Profile in 2021 obtained by NPL ratio is a very healthy category and by LDR is a quite healthy category, hypothesis accepted. 2) GCG in 2021 obtained a healthy category, hypothesis accepted. 3) Earnings in 2021 obtained by ROA ratio is an unhealthy category and by NIM ratio is a very healthy category, hypothesis accepted. 4) BOPO in 2021 obtained a not healthy category, hypothesis accepted. 5) Capital in 2021 obtained by CAR is a very healthy category.


Keywords


Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG), Return On Assets (ROA), Net Interest Margin (NIM), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan Capital Adequacy Ratio (CAR).

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www.jago.com




DOI: https://doi.org/10.31293/jma.v12i3.7177

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