KUSUMANINGRUM, DWI
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Analisis Tingkat Kesehatan Bank Menggunakan Metode RGEC pada Bank Syariah Tahun 2021-2023 Kusumaningrum, Dwi; Suharto, Babun; Rahayu, Sri; Setiadi, Pompong B
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7228

Abstract

In developed and developing countries, people really need a bank as a place or place to conduct financial transactions. The community assumes that banks are the safest financial institutions in carrying out various financial activities. Meanwhile the community must ensure that the bank used is healthy, stable and safe so that the community does not lose. For banks, bank health is important to shape public trust. Then the existing banks in Indonesia really need to set bank health rules. Indonesian Islamic Bank is the result of a merger from three Islamic banks owned by BUMN, namely Syariah Mandiri Bank, BNI Syariah and BRI Syariah. Indonesian Islamic Bank was established on February 1, 2021. This study has the aim to find out the health level of Indonesian Islamic banks in 2021-2023 with the RGEC method. The analysis method in research uses a descriptive quantitative approach. The results of this study indicate that the Indonesian Islamic Bank NPF is below 2% which means in a "very healthy condition. FDR ratio in 2021 amounted to 73.39% with" very healthy "conditions, while FDR in 2022-2023 results of the ratio of more than 75% to less 85% which means in a" healthy condition. The GCG ratio is in "quite healthy" conditions. The ROA ratio of 2021-2023 is not less than 1.25 and no more than 2% means in a "healthy" condition, while in 2023 in a "very healthy" condition. Ratio and ROE ratios in 2021-2023 are in "healthy" conditions. The ROA and ROE ratio in 2021-2023 is in a "very healthy" condition.
Analisis Tingkat Kesehatan Bank Dan Potensi Financial Distress Menggunakan Metode Rgec Pada Bank Aceh Syariah Tahun 2016-2020 KUSUMANINGRUM, DWI
MONETER Vol 10 No 1 (2022): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (417.504 KB) | DOI: 10.32832/moneter.v10i1.6262

Abstract

Saat ini perkembangan Bank Syariah di Indonesia sangat berkembang. Bisa diamati dari segi total pembukaan kantor yang baru, model usaha bank ataupun aktivitas bank. Penting sekali penilaian tingkat Kesehatan, bukan untuk internal perusahaan saja tetapi penting juga bagi pemerintah, investor dan warga sekitar. Penilaian tingkat Kesehatan bisa dimanfaatkan untuk mengetahui terjadinya potensi kebangkrutan dan mengukur kemampuan kinerja. Bank Aceh Syariah ialah bank yang didirikan PT. Bank Aceh Syariah tepatnya tanggal 6 Agustus 1973. Pusat Bank Aceh Syariah berada di Banda Aceh. Studi ini mempunyai tujuan untuk melihat tingkat Kesehatan serta potensi financial distress Bank Aceh Syariah pada tahun 2016-2020 dengan metode RGEC. Studi ini memakai metode kuantitatif deskriptif. Sedangkan, objek yang digunakan ialah laporan keuangan dari Bank Aceh Syariah tahun 2016-2020. Hasil studi menunjukan tingkat Kesehatan dari Bank Aceh Syariah tahun 2016-2020 dengan kondisi sangat sehat serta tidak menghadapi financial distress.