Pengaruh Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Terhadap Implementasi Green Banking pada Bank Umum Syariah di Indonesia - Widya Risfika Utami; Saiful Anwar (Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 2025)
This study aims to determine the effect of bank health level assessment using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) on the implementation of green banking at Islamic commercial banks in Indonesia during the period 2020-2022. The research method used is quantitative with purposive sampling technique, involving 12 Islamic commercial banks that publish annual reports. Multiple regression analysis was used to determine the relationship between the independent variables (NPF, GCG, ROA, and CAR) with green banking as the dependent variable. The results showed that the RGEC variables have a significant influence on the implementation of green banking. In particular, Capital Adequacy Ratio (CAR) shows the strongest influence among other variables such as Non Performing Finance (NPF), Good Corporate Governance (GCG), and Return on Assets (ROA). These findings emphasize the importance of risk management, good corporate governance, profitability, and capital adequacy in supporting environmentally friendly banking practices. Keywords: Green Banking, Islamic Commercial Bank, NPF, GCG, ROA, CAR ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh penilaian tingkat kesehatan bank menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) terhadap implementasi green banking pada bank umum syariah di Indonesia selama periode 2020-2022. Metode penelitian yang digunakan adalah kuantitatif dengan teknik purposive sampling, melibatkan 12 bank umum syariah yang menerbitkan laporan tahunan. Analisis regresi berganda digunakan untuk menentukan hubungan antara variabel independen (NPF, GCG, ROA, dan CAR) dengan green banking sebagai variabel dependen. Hasil penelitian menunjukkan bahwa variabel-variabel RGEC memiliki pengaruh signifikan terhadap implementasi green banking. Secara khusus, Capital Adequacy Ratio (CAR) menunjukkan pengaruh paling kuat di antara variabel lain seperti Non Performing Finance (NPF), Good Corporate Governance (GCG), dan Return on Assets (ROA). Temuan ini menekankan pentingnya pengelolaan risiko, tata kelola perusahaan yang baik, profitabilitas, dan kecukupan modal dalam mendukung praktik perbankan yang ramah lingkungan. Kata Kunci: Green Banking, Bank Umum Syariah, NPF, GCG, ROA, CAR