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All Journal Admisi dan Bisnis Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Arisha Putri Pradita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Kesehatan Bank Umum Syariah di Indonesia Menggunakan Metode RBBR Tahun 2021-2024 Arisha Putri Pradita; Vika Diyah Ardiyanti
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 4 No. 2 (2025): Jurnal Ekonomi, Manajemen Pariwisata Dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v4i2.4806

Abstract

This study aims to analyze the health of Islamic Commercial Banks in Indonesia using four indicators of the Risk-Based Bank Rating (RBBR) method: risk profile (NPF), profitability (ROA), capital (CAR), and good corporate governance (GCG) from 2021 to 2024. A descriptive research approach was employed, utilizing secondary data obtained from the Islamic Banking Statistics reports published by the Financial Services Authority (OJK). Data analysis was conducted by presenting tables and identifying performance trends in each of the main RBBR indicators, namely risk profile (NPF), profitability (ROA), capital (CAR), and good corporate governance (GCG). The results of the study indicate that Islamic Commercial Banks in Indonesia have demonstrated a positive trend across all indicators. The risk profile indicator, represented by Non-Performing Financing (NPF), showed a decline from 2.59% in 2021 to 2.08% in 2024, placing Islamic Commercial Banks in the "healthy" category. The profitability indicator also improved, with Return on Assets (ROA) increasing from 1.55% to 2.07%, reflecting enhanced operational efficiency and moving from a “fairly healthy” to “healthy” condition. In terms of capital, the Capital Adequacy Ratio (CAR) remained consistently high, ranging from 25.30% to 26.28%, indicating a very strong and resilient capital position. Finally, the GCG factor consistently achieved a score of 2, indicating a “good” level of corporate governance implementation. Collectively, these findings conclude that Islamic Commercial Banks in Indonesia were in a sound and stable condition throughout the observation period based on the RBBR assessment, affirming the effectiveness of these principles in ensuring the performance and sustainability of the Islamic banking sector.
Health Analysis of the Five Largest Banks in Indonesia during Global Uncertainty Using the RGEC Method: (Case Study on Bank Mandiri, BRI, BCA, BNI, and BTN for the Period 2020-2024) Ardiyanti, Vika Diyah; Arisha Putri Pradita
Admisi dan Bisnis Vol. 26 No. 2 (2025): JUNI 2025
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Various countries are facing diverse and complex challenges in recent years. This certainly has an impact on the banking industry. This study aims to analyze the health level of the five banks with the largest assets in Indonesia in the period 2020 to 2024 using the RGEC method. The results of the study show that during the period 2020-2024, Bank Mandiri, BRI, and BCA received the predicate "very healthy" which means they are considered "very capable" of facing changes in business conditions and other external factors. BNI received the predicate "healthy" in the period 2020, but increased to "very healthy" in the period 2021 to 2024. However, overall, BNI bank received the predicate "very healthy". BTN received the predicate "healthy" during 2020 to 2025, which means it is considered "capable" of facing changes in business conditions and other external factors.   Berbagai negara sedang menghadapi tantangan yang beragam dan kompleks beberapa Year terakhir.  Hal tersebut tentunya berdampak terhadap industri perbankan. Penelitian ini bertujuan menganalisis tingkat kesehatan lima bank dengan asset terbesar di Indonesia pada periode 2020 sampai 2024 menggunakan metode RGEC. Hasil penelitian menunjukkan bahwa selama periode 2020-2024, Bank Mandiri, BRI, dan BCA memperoleh predikat “sangat sehat” yang berarti dinilai “sangat mampu” menghadapi perubahan kondisi bisnis dan faktor eksternal lainnya. BNI memperoleh predikat “sehat” pada periode 2020, namun meningkat menjadi “sangat sehat” pada periode 2021 sampai 2024. Namun secara keseluruhan, bank BNI memperoleh predikat “sangat sehat”. BTN memperoleh predikat “sehat” selama 2020 sampai dengn 2025,  yang berarti dinilai “mampu” menghadapi perubahan kondisi bisnis dan faktor eksternal lainnya.
Co-Authors Ardiyanti, Vika Diyah Vika Diyah Ardiyanti