ANALISIS TINGKAT KESEHATAN BANK UMUM SYARIAH DI INDONESIA DENGAN METODE RGEC (Studi Empiris Pada Bank Umum Syariah di Indonesia Periode 2014-2018)

NITALIANA, LINA (2021) ANALISIS TINGKAT KESEHATAN BANK UMUM SYARIAH DI INDONESIA DENGAN METODE RGEC (Studi Empiris Pada Bank Umum Syariah di Indonesia Periode 2014-2018). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to analyze the soundness level of Islamic Commercial Banks in Indonesia using the RGEC (methodRisk Profile, Good Corporate Governance, Earnings, Capital)in the 2014-2018 period. The method used is descriptive method with quantitative approach, which analyzes factors risk profile(RiskProfile)via two ratio is the ratio of NPF and FDR, factors GCG through self-assessment,the factors Profitability(Earnings) through the ROA, and factors Capital(Capital) through the CAR ratio. The population in this study were 14 Islamic Commercial Banks in Indonesia in Indonesia. The sample of this study used amethod purposive sampling so that there were 9 Islamic Commercial Banks that met the criteria. The test results show that the Soundness Level of Islamic Commercial Banks for the period 2014-2018 in Indonesia in terms of the Risk Profile got the 3rd composite rating (quite healthy), Good Corporate Governance and Earnings got the 2nd composite rating (healthy), Capital got the composite rating to -1 (very healthy) and in terms of RGEC it got the 2nd composite rating (healthy). The results can increase our understanding that every bank is required to conduct a Soundness Level assessment, which in practice implies that if a significant violation is found to affect the operations and / or business continuity of the Bank, then Financial Fervices Authority has the authority to lower the Composite Rating of the Bank Soundness Level. Penelitian ini bertujuan untuk menganalisis tingkat kesehatan Bank Umum Syariah di Indonesia menggunakan metoda RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) pada periode 2014-2018. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif, dimana menganalisa faktor Profil risiko (Risk Profile) melalui dua rasio yaitu rasio NPF dan FDR, faktor GCG melalui self assessment, faktor Rentabilitas (Earnings) melalui rasio ROA, dan faktor Permodalan (Capital) melalui rasio CAR. Populasi dalam penelitian ini sebanyak 14 Bank Umum Syariah di Indonesia yang berada di Indonesia. Sampel penelitian ini menggunakan metode purpossive sampling sehingga terdapat 9 Bank Umum Syariah yang memenuhi kriteria. Hasil pengujian menunjukkan bahwa Tingkat Kesehatan Bank Umum Syariah periode 2014-2018 di Indonesia ditinjau dari Risk Profile mendapat peringkat komposit ke-3 (cukup sehat), Good Corporate Governance dan Earnings mendapat peringkat komposit ke-2 (sehat), Capital mendapat peringkat komposit ke-1 (sangat sehat) dan ditinjau dari RGEC mendapat peringkat komposit ke-2 (sehat). Hasilnya dapat meningkatkan pemahaman kita bahwa setiap bank wajib melakukan penilaian Tingkat Kesehatan, dimana secara praktis memberikan implikasi bahawa apabila ditemukan pelanggaran yang signifikan mempengaruhi operasional dan/atau kelangsungan usaha Bank, maka Bank Otoritas Jasa Keuangan berwenang menurunkan Peringkat Komposit Tingkat Kesehatan Bank.

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