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Kamaruddin
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Journal : Likuid: Jurnal Ekonomi Industri Halal

 1 
Stability Analysis of Islamic Banks Using The RGEC Method Against The Risk of Financial Distress as a Pillar of The Halal Economy in Indonesia Nur Ali, Nurfadilla; Mustamin, Asyraf; Kamaruddin; Tamrin, Saenal
Likuid Jurnal Ekonomi Industri Halal Vol. 5 No. 2 (2025): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

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Abstract

This study aims to analyze the effect of the health level of Islamic Banks as measured by the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) on the possibility of financial distress. The background of this research is based on global economic uncertainty during the 2019-2023 period and the increasing Non Performing Financing (NPF) and BOPO ratios at Islamic Banks, which indicate potential vulnerability to financial distress. This research uses a descriptive quantitative approach with purposive sampling technique of Islamic Commercial Banks listed on the Indonesia Stock Exchange for the period 2021-2024. The data analysis technique includes ranking the RGEC ratio, classical assumption test, and multiple linear regression analysis with the help of SPSS 22 software. The results showed that simultaneously, all RGEC components had a significant effect on financial distress with an F value of 11,596 and a significance of 0.000 and an adjusted R² of 0.672. Partially, the Risk Profile variable measured through NPF (p = 0.012) and FDR (p = 0.002), as well as the Capital variable (CAR) with a significance of 0.000 have a positive and significant effect. Meanwhile, the Good Corporate Governance and Earnings variables (ROA, ROE, and NOM) did not show a significant effect. Thus, it can be concluded that although simultaneously RGEC affects financial distress, partially only Risk Profile and Capital have a significant influence. This finding underscores the importance of strengthening financing risk management and capital in maintaining the financial stability of Islamic banks amid economic dynamics. The implication of this research is as one of the information tools in general for related parties and especially for Islamic bank companies listed on the IDX to maximize risk management, capital strength, managerial strategies, and policy improvements.
Co-Authors A. Sumardin Abd Basith, Abd Abd Rahman Abigail, Omita Adinda Shakira, Salsa Afdhal Yaman Ahadi Ningrum, Ayu Ainol Mardhiah Akbar Hendra Akbar Iskandar Akbar Iskandar Akhmad Wahyudi Alaeka, Egri Rionansyah Alimuddin Aliya Sita Nirmala Amini, Salisa Amiruddin K Amiruddin, Erwin Gatot Amran, Yusran Andi Haerul Andi Irfan Andi Irwan Andi Muhammad Haedar Andi Nuryadin Andi Syahrum Makkuradde Andi Wahyudi Anriani, Putri Ansar H Mulkin Bas anwar, Rahma Apriana, Rezki Ardi Arif Hutagalung, Syahrial Arisman Arizal Hamizar Arlinda Hafid, Eka ART, Attar Asis, Patta Hindi Asnimar Assiddiq, Mahfuz Asyraf Mustamim Asyraf Mustamin Azhari Azira Bahri, Halida Bahtiar Nopandi Billy Eden William Asrul Bin Sapa, Nasrullah Budimawan Butsiarah Cahya Ningrum Muallim, Dian Cindenia Puspasari D, Muh. Akib Deni Apriansyah Devi Ayu Destyaningsih Dewi Mariana, Dewi Dian Aisya Intani Dicky Zulkarnain Rona Gah Didi Syaputra Dina Anika Marhayani Dini Rizki Diva Syalsabila Dwi Ariyani Effendi, Meri Utami Ekobroto, Bayu Elly Karmeli Elvina Emasari Emi Sulistri Erwin Gatot Amiruddin Evinna Cinda H Fani Sastra Pranata Farhah, Ummi Farhan Ammar Fatimah Zuhra Fauziah, Nur Aidah Finki Dona Marleny First Wanita Gamlan Dagani Gazali, Mukhaimy Gelsy Chania Guna Utama, Erdi Hamdillah, Andi Hamzah, Aksi Hao Chieh Chiua Harinawati Harlina Harlina Harlina Harman Akbar Tullah Hasbiullah Hasbiullah Hasbiullah, Hasbiullah Helmi Dedi Wartana Hendra Nelva Saputra Herlangga Herman Budiono3 Hidayanti, Nur Hijrawati Hiknatius Rianto Madao Husain, Cahyani Huzaiman, Huzaiman Ichlasul Amal Idwin Has Saputra Ika Fitriyani ILHAM Inayatillah Inayatillah Indah Rahmania Indra Muchlis Adnan Insan Suwanto Irmawati, Budimawan Ismail Ismawati Jafar, Andi Muhammad Jannah, Fani Jisyahul Jasnika, Inka Johari Julia Firdani Junaidi Efendi kamir, Kamiruddin Amhy Khairil Anwar Kobant, Kobant Afdahlu Kumar Vivek Latif, Nuraida lmi Ayu Melani Lubis, Junita Lusi Dwi Putri M. Alfira Yuningsih M. Ali Fikri M. Hafiz Azikra M. Saipul Watoni Mahmud Mustapa Mansyur Martiana, Andri Mashidayati Masriadi Matalangi Maulida, Ihdalhubbi Maulizar Mawazid, Zidni Misbahuddin Mohammad H. Holle Moseki, Usina Robert MUCHLIS Muh Akbar Muh. Ilham Ramadhan Muhammad agung Muhammad Ali Muhammad Faqih Bafadal Muhammad Fazil Muhammad Jufri Muhammad Taufiq MUHAMMAD YUSUF Muhlis Mukhlis Mulya Agustin Musa, Pardi Mustamin, Asyraf Mustika, Nur Nabila, Sri Nurul Nacikit, Muhammad R Nadila Ramadani Nadiya Putri, Riski Nahdi Saubari Naldo, Jufri Naldo Nasrullah Nasrullah Bin Sapa Nasrullah Bin Sapa Neneng Awaliah Nikmah Marzuki, Sitti Ningrum, Dian Cahya Novi Arista Nur Ali, Nurfadilla Nur Filda Yani Sitania Nur Jannah Nuraeni Gani Nurfadhila Nurhudawi NURUL AZIZAH Oluwaseun Tobechukwu Pathak, Vijey North Sandep Perdiyanto Pratiwi Puja, Avrilia Putra, Aditya Pratama Rahman, Md. Shahinoor Rahmania Rahwanto, Sitta Fikria Ramadhani, Dina Ridzky Prasetyo Rini Setyowati Risa, Steviana Ritonga, Zuriani Robbi Rahim Rosmaiyadi Rosydah Rahman RR. Ella Evrita Hestiandari Rudy Ansari, Rudy S, Cahaya Rahmadani Safri Haliding Samsul Samsul Sari, Abel Permata Sauna Andika Islami Silvan Kasrah Siti Aslamyah SITI FATIMAH Sitti Fakhriyyah Slamat Fitriyadi Sonni, Alem Febri Sopan Hidayat Subhani suci nurpitri Sudika, Aryandi Sudirman Sumarlin SUMARNI Supriadi Supriadi Sahibu Suprijati Sarib Suriyani Syahrul Syamsul Darlis Taliang, Askar Taliding, Arianto Tamrin, Saenal Tio Pramana Aribawa Trimulato Trimulato Trimulato Trimulato Trimulato, Trimulato Tubalawony, Jacsy Usman Wahyu Haryadi Wahyuni Oktavia Windarsyah Windarsyah Wisda Yayan Priyantono Yusram adi Zainuddin Iba Zalikha Zulfadli Zulfahita