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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Jurnal MEBIS (Manajemen dan Bisnis) El-Qist : Journal of Islamic Economics and Business (JIEB)
Muhammad Iqbal Surya Pratikto
UIN Sunan Ampel Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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Journal : El-Qist : Journal of Islamic Economics and Business (JIEB)

 1 
Analisis Tingkat Kesehatan Bank melalui Pendekatan RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) Tahun 2014-2018 (Studi Pada PT Bank Bri Syariah (Persero) Tbk.) Muhammad Iqbal Surya Pratikto; Galuh Ajeng Safitri; Maziyah Mazza Basya
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.2.128-142

Abstract

Bank sehat merupakan suatu bank yang mampu berfungsi dalam menjalankan fungsinya dengan baik. Bank memiliki banyak fungsi salah satunya sebagai lembaga intermediasi dan bank dapat menumpuhkan kepercayaan masyarakat agar terjadi peningkatan kinerja yang lebih efisien. Tujuan dari penelitian ini untuk mengetahui tingkat kesehatan bank PT. Bank BRI Syariah (persero) Tbk dengan melalui metode RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). Risk profile diukur rasio kredit melalui NPF dan rasio likuiditas diukur melalui FDR. Good Corporate Governance diukur menggunakan rasio PDN, Earning diukur menggunakan rasio ROA,ROE, NI, dan BOPO, dan Capital dapat diukur menggunakan rasio CAR. PT. Bank BRI Syariah (persero) Tbk setelah dianalisis menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) dapat dianggap cukup sehat atau dapat dikatakan peringkat 3, dilihat dari keseluruhan pengukuran rasio Good Corporate Governance (GCG) dan rasio Earning (rentabilitas) kinerja perusahaan masih belum cukup baik sehingga diperlukan adanya sebuah kebijakan dan peningkatan kinerja dalam pengelolaan asset. Bank BRI sudah baik dalam mengatasi adanya kredit macet dan masuk pada peringkat 2 terlihat pada hasil analisis risk profile yang mana mendapatkan predikat sehat. Dalam hal mengatasi biaya modal Bank BRI mendapat peringkat 1 yaitu sehat. Bank BRI mampu memenuhi segala kewajiban dengan modal yang cukup.
ANALYSIS OF THE HEALTH LEVEL OF BRI SHARIA BANK THROUGH RGEC METHOD FROM 2016 TO 2020 Imam Ali Mustofa; Nurhayati Nurhayati; Fajruddin Fatwa; Suqiyah Musyafa’ah; Muhammad Iqbal Surya Pratikto
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1676-1703

Abstract

With this research, it can be known whether or not BRI Syariah Bank is healthy through the application of the RGEC method from 2016 to 2020. In carrying out an analysis of the health of BRI Syariah banks, the author uses technical analysis of the data through the application of the RGEC method. This research uses a descriptive quantitative approach that uses the RGEC method or steps through 4 analysis components consisting of Risk Profile, GCG, Earnings, and Capital. Where the ratios contained in each component of the analysis are contained in a financial report. This study resulted in a conclusion that the soundness of BRI Syariah banks in 2016-2020 that applied the RGEC method assessed through four analysis components and eight ratios consisting of NPF, FDR, PDN, ROA, ROE, NI, BOPO, and CAR obtained a healthy rating.
Co-Authors Enha Arini Khusnul Faizah Fajruddin Fatwa Galuh Ajeng Safitri Helmina Ardyanfitri Imam Ali Mustofa Maziyah Mazza Basya Mohammad Khoiruzi Afiq Nurhayati Nurhayati Suqiyah Musyafa’ah