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All Journal Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Jurnal Sosio dan Humaniora
Septiani, Chitra
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Other

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ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC PADA PT BANK CENTRAL ASIA TBK PERIODE 2020-2024 Maudina, Vina; Septiani, Chitra; Galuh Permana, Dani; Hatimatunnisani, Hani
Jurnal Ekonomi Manajemen Bisnis Dan Akuntansi : EMBA Vol 4 No 2 (2026): JURNAL EKONOMI MANAJEMEN BISNIS dan AKUNTANSI : EMBA
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/emba.v4i2.480

Abstract

This study analyzes the financial soundness of PT Bank Central Asia Tbk (BCA) using the Risk-Based Bank Rating (RBBR) approach through the RGEC method, which includes Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital during the period 2020–2024. The study applies a descriptive quantitative method using secondary data from annual financial statements and corporate governance reports. The results indicate that BCA’s financial soundness during the 2020–2024 period is classified as “Very Healthy.” Based on the RGEC method, the average Non-Performing Loan (NPL) is 0.7%, the Good Corporate Governance (GCG) aspect obtains Rating 1, Return on Assets (ROA) is 3.2%, and the Capital Adequacy Ratio (CAR) is 25,4%, all of which obtain Rating 1. This condition indicates that BCA has strong financial resilience and effective banking management.
Kesiapan gen Z dalam mengelola keuangan di era Digital Septiani, Chitra; Handayani, Hani; Putri, Vella Azahra; Zahra, Zauzia Siti; Hatimatunnisani, Hani
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 2 (2026): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i2.371

Abstract

Generation Z is an age group that grew up amidst the rapid development of digital technology. Easy access to information and various financial applications makes them very familiar with digital transactions such as e-wallets, mobile banking, and online investment. However, behind the adaptation of this technology, questions arise about the extent to which Gen Z is prepared to manage finances wisely and sustainably. This study aims to analyze the characteristics, behavior, and level of financial literacy of Gen Z in facing the challenges of the digital economy. The results of the analysis show that although Gen Z is active in using financial technology, they still have limitations in financial planning, risk management, and understanding of basic financial concepts. Therefore, increasing financial literacy through education and a digital media-based approach is an important strategy in forming a financially intelligent generation in the future. Keywords : Gen Z; Financial Management; Digital Era.
Co-Authors Galuh Permana, Dani Hani Handayani, Hani Hani Hatimatunnisani Maudina, Vina Putri, Vella Azahra Zahra, Zauzia Siti