ANALISIS TINGKAT KESEHATAN BANK SYARIAH YANG TERDAFTAR DI BEI DENGAN MENGGUNAKAN METODE RGEC PADA TAHUN 2015 – 2019

Abstract

The purpose of this study is to analyze bank health as measured by the RGEC method, Risk Profile (Risk

Profile) as measured by Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG) as measured by self assessment , Earning (Rentability) as measured by Return on Assets (ROA), Net Operating Margin (NOM), Return on Equity (ROE), and Operational Efficiency (REO), Capital (Capital) Ratio as measured by  Capital Adequancy Ratio (CAR) conducted on Islamic Banks list ed on the Indonesia Stock Exchange Period 2015-2019. Sampling in this study used a puposive sampling method and obtained a sample of 3 Islamic banks used as samples. Data analysis techniques using quantitative descriptive analysis techniques.  The results  of the study  of 3 Islamic  banks show that  the Risk  Profile indicator measured by Non Performing Financing has an unhealthy predicate, with an average value of 9.85%, the Risk Profile Indicator measured by Financing to Deposit Ratio has a fairly healthy predicate with an average value of 75.69%, Indicators of Good Corporate Governance using self assessment methods on average a composite value of 2 points, Earning Indicators measured by Return on Assets have a very healthy predicate with a composite rating of 1 and a ratio value of 2.55%, Earning Indicator measured by Net Operating Margin has a very healthy predicate with a composite rating of 1 and a ratio value of 3.28%, Earning Indicator measured by Return on Equity has a fairly healthy predicate with a composite rating of 2 and a ratio value of 8.23%, the Earning Indicator as measured by the Operational Efficiency Ratio has quite a predicate t with a composite rating of 2 and a ratio value of 78.03%, the Capital Indicator as measured by the Capital Adequancy Ratio has a very healthy predicate with a composite rating of 1 and a ratio value of 12.20%. The results of the bank soundness assessment of all indicators of the RGEC method during 2015 - 2019 obtained a composite rating of 2 and were considered capable of significant negative influences.