伊斯兰教法BRI银行分析银行健康的RGEC方法

W. Sari, Dea Nur Sadilah
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引用次数: 2

摘要

本研究的背景是受不良融资额、第三方融资额、银行管理层对公司效率的控制能力、银行拥有的资本充足率等因素影响的财务比率波动。因此,为了了解2016年至2020年期间BRI伊斯兰银行的银行稳健性水平,根据金融服务管理局第8/POJK号条例进行了分析。2014年03月关于评估伊斯兰商业银行和伊斯兰教业务部门的健全性水平,即使用RGEC方法。在本研究中,使用的方法是定性研究与描述性的方法。二手数据来源于公司官网发布的《一带一路伊斯兰银行年报》和《GCG实施报告》。资料收集由作者采用文献法和文献研究法进行。在本研究中,数据分析的步骤是数据收集、数据简化、数据呈现和得出结论。研究结果表明,根据风险概况因子,BRI伊斯兰银行的健康水平为健康和非常健康。良好的公司治理因素获得了“健康”的称号。收入因子得到了不健康和不健康的谓词。《资本因素》的标题是《非常健康》
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Metode RGEC untuk Menganalisis Kesehatan Bank di Bank BRI Syariah
The background of this research is the fluctuation in financial ratios which is influenced by the amount of non-performing financing, the amount of third party funds released for financing, the ability of bank management to control the efficiency of the company, and the adequacy of capital owned by the bank. So that with the aim of knowing the level of bank soundness at BRI Syariah Bank for the period 2016 - 2020, an analysis is carried out according to the Financial Services Authority Regulation No. 8/POJK.03/2014 concerning the assessment of the soundness level of Islamic commercial banks and sharia business units, namely by using the RGEC method. In this study, the method used is a qualitative research with a descriptive approach. Secondary data is obtained from the BRI Syariah Bank Annual Report and the GCG Implementation Report published on the company's official website. Data collection was carried out by the author using documentation and literature studies. In this study, the steps taken in data analysis are data collection, data reduction, data presentation, and drawing conclusions. The results of the study indicate that the health level of BRI Syariah Bank according to the Risk Profile factor is Healthy and Very Healthy. The Good Corporate Governance factor received the title of Healthy. Earning factor obtained the predicate of Unhealthy and Unhealthy. And Capital Factor received the title Very Healthy.
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