ANALISIS RASIO KEUANGAN PERBANKAN SEBAGAI ALAT UKUR KINERJA KEUANGAN BANK

Haspira Manungki, Vitayanti Fattah

Abstract


Abstrak

Penelitian ini bertujuan untuk mengetahui kinerja keuangan PT. Bank BRI Syariah Tbk. Tahun 2015-2019 yang diukur dengan metode RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) berada dalam peringkat komposit sehat. Jenis penelitian yang digunakan pada penelitian ini ialah penelitian deskriptif kuantitatif, dan objek penelitiannya yaitu Bank BRI Syariah yang terdapat di Indonesia Stock Excange dari tahun 2015 sampai 2019. Data dari penelitian ini diperoleh dengan  teknik dokumentasi. Teknik analisis data dari penelitian ini menggunakan penilaian kesehatan bank umum berdasarkan SE BI No.13/24/DNPN/2011 yang menjelaskan tentang penilaian kesehatan perbankan dengan menggunakan metode RGEC. Hasil penelitian menunjukkan bahwa Bank BRI Syariah mendapatkan peringkat komposit cukup sehat selama 2015-2019, dari hasil penelitian tersebut menunjukkan Bank BRI Syariah dinilai bisa menghadapi dampak buruk yang ditimbulkan oleh perubahan faktor eksternal dan perubahan kondis bisnis.

Kata Kunci : Tingkat Kesehatan Bank, Metode RGEC, BRI Syariah

 

Abstract

This study aims to determine the financial performance of PT. Bank BRI Syariah Tbk. 2015-2019 as measured by the RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) method is in a healthy composite rating. The type of research used in this study is quantitative descriptive research, and the object of the research is the BRI Syariah Bank located in Indonesia Stock Exchange from 2015 to 2019. The data from this study were obtained using documentation techniques. The data analysis technique from this study uses an assessment of the health of commercial banks based on SE BI No.13/24/DNPN/2011 which explains the assessment of banking health using the RGEC method. The results showed that BRI Syariah Bank obtained a fairly healthy composite rating during 2015-2019. From the results of this research, it is shown that BRI Syariah Bank is considered to be able to face the adverse effects caused by changes in external factors and changes in business condition.

Keywords : Bank Soundness Level , RGEC Method, BRI Syariah


Keywords


Tingkat Kesehatan Bank, Metode RGEC, BRI Syariah

Full Text:

PDF


DOI: https://doi.org/10.22487/jimut.v9i1.310

Refbacks

  • There are currently no refbacks.


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

e-ISSN: 2443-3578
p-ISSN: 2443-1850

Contact Person:
Juliana Kadang: julikadang@gmail.com