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All Journal JURNAL MANAJEMEN AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam
Ermawati , Eka
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Analysis of Bank Health Assessment Using the RGEC Method (Risk Profile, Good Corporate Governance, Earning, Capital) in Private Banks Listed on the Indonesia Stock Exchange in 2020-2023 Nining, Nining Yulianti; Purwanto, Kelik; Ermawati , Eka
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 9 No 3 (2024): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

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Abstract

The banking sector is always required to improve its performance. Given the importance of knowing the financial performance, Indonesian banking has made many regulations related to measuring bank health in accordance with Law No. 13 of 2011 concerning bank health. This study aims to determine and analyze bank health through the RGEC method (Risk Profile, Good Corporate Governance, Earning and Capital) in Private Banks Listed on the Indonesia Stock Exchange in 2020-2023. The data source used is secondary data in the form of financial reports for the period 2020-2023. The type of research in this journal is Qualitative research. The results of this study indicate that the condition of the bank is very healthy because it has a very good management capacity in selecting customers who will receive credit loans, is very effective in utilizing its activities to obtain company profits and has very good capital adequacy. Meanwhile, the results of the study using Good Corporate Governance indicate that the condition of the bank is not running well so that it cannot be said to be a trusted bank
ANALISIS PENGELOLAAN DAN UPAYA PENYELESAIAN KREDIT MACET PADA PT. BPR LPN SUNGAI RUMBAI PERIODE TAHUN 2024 Hidayatullah, Chindy; Ermawati , Eka; Wiska, Mayroza
AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 03 (2025): AT TARIIZ : JURNAL EKONOMI DAN BISNIS ISLAM
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/attariiz.v4i03.1734

Abstract

Based on research aimed at analyzing the management and resolution of non-performing loans at PT. BPR LPN Sungai Rumbai during 2024, it can be concluded that non-performing loans are indeed a serious challenge because they can disrupt the bank's financial stability and reduce customer confidence. Using qualitative descriptive methods and a case study approach, data was collected through observation, interviews, and documentation. The results of the study show that the non-performing loan rate reached 10%, double the OJK maximum limit of 5%. To deal with this, BPR implemented various strategies such as creditworthiness evaluation, active collection, credit restructuring, and collateral seizure, which were applied in about 50% of cases. The main factor causing non-performing loans was the debtor's inability to meet their obligations due to a decline in income. In conclusion, the credit restructuring policy is the most effective solution because it adjusts to the debtor's financial condition. The findings of this study have been validated through data triangulation, ensuring the reliability and accuracy of the results. In addition, the implementation of adaptive restructuring oriented towards the debtor's economic recovery has proven to be able to significantly reduce the risk of non-performing loans in the long term.
Co-Authors Hidayatullah, Chindy Kelik Purwanto, Kelik Nining, Nining Yulianti Wiska, Mayroza