Analisis Tingkat Kesehatan Bank Dengan Metode RGEC (Risk Profile, Good Corporate Governance, Earnings, Dan Capital) Pada PT. Bank Muamalat Indonesia Tbk
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Institusion
Universitas Islam Riau
Author
Idris, Idris
Subject
HD28 Management. Industrial Management
Datestamp
2022-05-19 14:59:39
Abstract :
The purpose of this research is to know the health condition of PT Bank Muamalat from 2015 to 2019 by using RGEC method. So that it can provide informations to various interested parties and help to understand bank?s capability in fundraising, processing, and funneling the fund from society, other institutions or owner?s equity. And more important, it will evaluate the succesfuell of management in leading the company so that it will let us know bank capability in fulfilling the obligation to capital owners and employee. This type of research is Library Research, source of data that use is secunder data. The method that use in collecting the data for this research is documentation study, by using book, journal and published financial report of PT Bank Muamalat from 2015 until 2019, Regulations of Bank Indonesia with analysis data technique based on NPF(Non Performing Financing), ROA(Return On Asset) and ROE( Return On Equity), GCG(Good Corporate Gorvenance), and CAR(Capital Adequacy Ratio) Ratio. In conclusion, the result of this research shows that ROA and ROE from 2015 unti 2019 experiences a decreasing in level of soundness. To maintain the health of the bank so that it always experiences an increase in the level of soundness, the bank must improve performance in managing assets and minimize the risk of non-performing financing so that the profits obtained for the following year will increase.
The purpose of this research is to know the health condition of PT Bank Muamalat from 2015 to 2019 by using RGEC method. So that it can provide informations to various interested parties and help to understand bank?s capability in fundraising, processing, and funneling the fund from society, other institutions or owner?s equity. And more important, it will evaluate the succesfuell of management in leading the company so that it will let us know bank capability in fulfilling the obligation to capital owners and employee. This type of research is Library Research, source of data that use is secunder data. The method that use in collecting the data for this research is documentation study, by using book, journal and published financial report of PT Bank Muamalat from 2015 until 2019, Regulations of Bank Indonesia with analysis data technique based on NPF(Non Performing Financing), ROA(Return On Asset) and ROE( Return On Equity), GCG(Good Corporate Gorvenance), and CAR(Capital Adequacy Ratio) Ratio. In conclusion, the result of this research shows that ROA and ROE from 2015 unti 2019 experiences a decreasing in level of soundness. To maintain the health of the bank so that it always experiences an increase in the level of soundness, the bank must improve performance in managing assets and minimize the risk of non-performing financing so that the profits obtained for the following year will increase.
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