Penilaian Kesehatan Bank (Studi Pada PT. Bank Muamalat Indonesia, Tbk. Tahun 2016- 2019)

Citra Puspa Permata

Abstract


This study aims to determine the financial health of PT. Bank Muamalat Indonesia, Tbk from four aspects in RGEC which is Risk Profile, Good Corporate Governance, Earnings, and Capital. This research is a descriptive study with a quantitative approach. The main data of this study comes from the Annual Report of PT. Bank Muamalat Indonesia, Tbk. from 2016 to 2019, the so-called secondary data were analyzed using the RGEC method. The results showed that in the period 2016-2019, the risk profile aspect of PT. Bank Muamalat Indonesia with the NPF and  FDR Indicator on average is in a healthy financial condition, but the CR indicator showed unhealthy financial conditions. The GCG aspect using self-assessment showed a fairly healthy financial condition, the earnings aspect. with NOM, ROA and average ROE showed unhealthy financial conditions, as well as the capital aspect with average CAR and PR ratios is in very healthy financial conditions.

Keywords


Risk Base Bank Rating; Risk Profile; Good Corporate Governance (GEC); Capital; Earning.

Full Text:

PDF

References


Amalia, Euis. “Perbankan Syariah Di Indonesia.” Dialog (2017).

Ghoni, Muhammad Abdul. “Pasar Modal Di Indonesia Dalam Perspektif Fikih Muamalah.” Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan 4, no. 2 (2017): 145–148.

———. “Reaksi Pasar Modal Terhadap Pemilihan Umum Presiden Untuk Meramalkan Reaksi Terhadap Pilpres Selanjutnya (Studi Peristiwa Pada Saham Kelompok Indeks LQ45).” Jurnal Aghinya Stiesnu Bengkulu 3, no. 1 (2020): 70–88.

Kurniasari, Wiwin. “Analisis Perbandingan Kinerja Keuangan Perbankan Syariah Bank Umum Syariah ( BUS ) Dengan Unit Usaha Syariah ( UUS ) Pada Bank Umum Konvensional.” Journal of Indonesian Economy and BusinessAkuntansi 6, no. 1 (2015): 81–103.

Lestari, Lutfi Bangun, and Akhsyim Afandi. “Analisis Pengaruh Karakteristik Bank, Faktor Makroekonomi Terhadap Pembiayaan Sektor UMKM Pada Perbankan Syariah Di Indonesia.” Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah 5, no. 2 (2020): 164.

M, Muh Sabir, Muhammad Ali, and Abd Hamid Habbe. “Pengaruh Rasio Kesehatan Bank Terhadap Kinerja Keuangan Bank Umum Syariah Dan Bank Konvensional Di Indonesia.” Jurnal Analisis 1, no. 1 (2012): 79–86.

Mulyawan, Teddy. “Peran Financial Distress Sebagai Mediasi Good Corporate Governance Terhadap Return Saham.” Equator Journal of Management and Entrepreneurship (EJME) 7, no. 4 (2019): 78–124.

Otoritas Jasa Keuangan. Surat Edaran Otoritas Jasa Keuangan Nomor /SEOJK.03/2015 Tentang Produk Dan Aktivitas Bank Umum Syariah Dan Unit Usaha Syariah. Otoritas Jasa Keuangan, 2019.

Pratiwi, Dhian Dayinta. “Pengaruh CAR, BOPO, NPF Dan FDR Terhadap Return on Asset (ROA) Bank Umum Syariah Di Indonesia.” Fakultas Ekonomika dan Bisnis (2012): 85.

Rakhmawati, Nur Ayu, Tri Lestari, and Siti Rosyafah. “Analisis Rasio Likuiditas, Solvabilitas Dan Profitabilitas Guna Mengukur Kinerja Keuangan PT. Vepo Indah Pratama Gresik.” Jurnal Ekonomi Akuntansi 3, no. 3 (2017): 94–107.

Rianto, M Nur, and Al Arif. “Keterkaitan Kebijakan Pemisahan Terhadap Tingkat Efisiensi Pada Industri Perbankan Syariah Di Indonesia.” Jurnal Keuangan dan Perbankan 19, no. 2 (2015): 259–304.

Suwito, Edy, and Arleen Herawaty. “Analisis Pengaruh Karakteristik Perusahaan Terhadap Tindakan Laba Yang Dilakukan Oleh Perusahaan Yang Terdaftar Di Bursa Efek Jakarta.” Simposium Nasional Akuntansi VIII. Solo (2005).




DOI: http://dx.doi.org/10.29300/ba.v6i1.4397

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Citra Puspa Permata

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Indexed by:

 


 

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.