Analisis Tingkat Kesehatan menggunakan Metode RGEC pada Bank Syariah Indonesia Tahun 2019-2022

Muhammad Indra Kusuma, Andi Indrawati

Abstract


The operational system in Sharia Banks where operational activities are carried out can result in various kinds of risks which will affect the bank's health level. This is also reflected in fluctuations in financial ratios in annual reports. A financial analysis is conducted on Bank Syariah Indonesia to ascertain its level of bank soundness for the period spanning 2019 to 2022. This analysis adheres to the RGEC method, as specified in Financial Services Authority Regulation No. 8/POJK.03/2014 which is utilized to evaluate the soundness of sharia business units and Islamic commercial banks. This study uses a quantitative research methodology with a descriptive approach. The secondary data included in this study was sourced from the Bank Syariah Indonesia Annual Report, which was publicly available on the official website of the organization. The author conducted data collection through documentation and literature studies. The results of the study indicate that the health level of Bank Syariah Indonesia according to the Risk Profile factor is Healthy. The Good Corporate Governance factor received the predicate of healthy. Earning factor obtained the predicate of very healthy and unhealthy. And Capital Factor received the predicate very healthy.

Keywords


Capital; Earning; Good Corporate Governance; Risk Profile; Tingkat Kesehatan Bank

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