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All Journal Jurnal Pengabdian kepada Masyarakat Nusantara Mattawang: Jurnal Pengabdian Masyarakat Jurnal Ilmu Multidisplin Indonesian Management and Accounting Research Jurnal Akuntansi Trisakti Ekonomi Digital Journal of Artificial Intelligence and Digital Business Dirkantara Indonesia El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies IPSSJ
Amalina, Nurhafifah
Universitas Trisakti
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Analisis Perbandingan Tingkat Kesehatan Perbankan Studi Kasus pada Bank yang Termasuk dalam KBMI 3 (Panin, Permata, BSI) dan KBMI 4 (BCA, BRI, Mandiri) dengan Menggunakan Metode RGEC Periode 2019 – 2024 Rindi Ayu Ristiani; Nurhafifah Amalina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11263

Abstract

The banking industry plays a strategic role in supporting the national economy as a financial intermediary institution that collects and distributes public funds. Following regulatory changes, the Financial Services Authority (OJK) has established a grouping of banks based on core capital, known as the Core Capital Bank Group (KBMI). KBMI 3 and KBMI 4 represent large-capital banks with broad business scopes and a crucial role in maintaining financial system stability. The 2019–2024 period is relevant for this study because it encompasses the regulatory transition from BUKU to KBMI. This study aims to analyze and compare the banking health of banks classified as KBMI 3 and KBMI 4 using the RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) method during the 2019–2024 period. This study uses a quantitative descriptive approach with a comparative approach. The research sample was determined using a purposive sampling technique, including banks in KBMI 3 (Bank Panin, Bank BSI, and Bank Permata) and banks in KBMI 4 (Bank BRI, Bank Mandiri, and Bank BCA). The data used were secondary data obtained from the bank's annual financial reports. Data analysis was performed using two-group difference tests, namely the Independent Sample t-test and the Mann–Whitney U-test. The results showed a significant difference in the bank health level between KBMI 3 and KBMI 4 across all RGEC components. KBMI 4 had a better Risk Profile performance with a lower NPL ratio and a more stable LDR/FDR. In the GCG component, KBMI 4 demonstrated stronger governance implementation. In terms of Earnings, KBMI 4 had a higher level of profitability and better operational efficiency. Furthermore, the Capital component indicated that KBMI 4 had more stable and robust capital to support its business activities. Overall, this study concluded that KBMI 4 had a better level of bank health than KBMI 3 based on the RGEC method during the 2019–2024 period.
Pengaruh Intensitas Investasi Hijau, Pengungkapan Risiko Iklim, dan Intensitas Emisi Karbon Terhadap Kinerja Lingkungan dengan Ukuran Perusahaan sebagai Variabel Moderasi Lumbanraja, Athena Ruth Michelle; Amalina, Nurhafifah
Jurnal Ilmu Multidisiplin Vol. 4 No. 6 (2026): Jurnal Ilmu Multidisplin (Februari - Maret 2026)
Publisher : Green Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jim.v4i6.1750

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh intensitas investasi hijau, pengungkapan risiko iklim, dan intensitas emisi karbon terhadap kinerja lingkungan perusahaan sektor energi di Indonesia dengan ukuran perusahaan sebagai variabel moderasi. Penelitian ini dilakukan pada perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2021–2024. Kinerja lingkungan diukur menggunakan kepemilikan sertifikasi ISO 14001:2015, sehingga analisis data menggunakan regresi logistik biner. Hasil penelitian menunjukkan bahwa intensitas investasi hijau dan pengungkapan risiko iklim berpengaruh positif terhadap kinerja lingkungan, sedangkan intensitas emisi karbon berpengaruh negatif. Selain itu, ukuran perusahaan mampu memperkuat pengaruh intensitas investasi hijau dan pengungkapan risiko iklim terhadap kinerja lingkungan. Temuan ini mengindikasikan bahwa perusahaan dengan skala yang lebih besar memiliki kapasitas yang lebih baik dalam mengelola praktik keberlanjutan lingkungan. Penelitian ini memberikan implikasi bagi perusahaan dan regulator dalam memperkuat kebijakan keberlanjutan serta pengelolaan lingkungan di sektor energi.
Co-Authors Ayu Ristiani, Rindi Brina Sitanggang De Gala Dewi, R. Rosiyana Dimas Saukas Pribadi Fabiola, Livia Fatik Rahayu Firda Amelia Ice Nasyrah Noor Idrianita Anis Intan Purnama Putri Joysinta, Angel Calista Lumbanraja, Athena Ruth Michelle Marwah, Fadillah Pryobudi Purbosanjoyo Putri Ramadhani Rina Hartanti Rindi Ayu Ristiani Sakinah, Machdiah Seto Makmur Wahyuni, Lidia Wien Alfatah Windhy Puspitasari Yanti, Harti Budi