JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

Bank Health Analysis Based on the RGEC Method and Its Effect on Profitability (Case Study at PT Bank Sulteng, Palu City)

Saputra, Egi (Unknown)
Zainuddin, Fatlina (Unknown)
Kasim, Yunus (Unknown)
Anisah, Anisah (Unknown)

Article Info

Publish Date
12 Nov 2025

Abstract

This study aims to analyze the financial health of PT Bank Sulteng using the RGEC method, consisting of Risk Profile (NPL), Good Corporate Governance (GCG), Earnings (BOPO), and Capital (CAR), and their influence on profitability measured by Return on Assets (ROA). The data were obtained from quarterly financial reports covering the 2017–2024 period and analyzed using multiple linear regression with SPSS version 30. The findings indicate that only BOPO significantly affects profitability, while NPL, GCG, and CAR do not. The study highlights the importance of operational efficiency as a key factor in improving profitability and sustaining financial performance at Bank Sulteng

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...