TINGKAT KESEHATAN PERBANKAN MENGGUNAKAN METODE RGEC TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH 2017-2022
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Yulianti, Indah
Subject
H Social Sciences (General)
Datestamp
2024-03-04 06:34:13
Abstract :
Abstract This research uses the RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) methodology to assess the financial performance of ROA in Sharia Commercial Banks (BUS) registered with the Financial Services Authority (OJK) from 2017 to 2022. The aim of this research is to determine the influence Bank Health Level. In this research, the Risk Profile ratio used is NPF (Non-Performing Financing) and FDR (Financing To Deposit Ratio), Good Corporate Governance is used by Self-Assessment, Earnings is used by BOPO (Operating Costs, Operating Income), and capital, which is represented by the CAR ratio (Capital Adequacy Ratio). The object of this research is Sharia Commercial Banks registered with the OJK in the period 2017 to 2022. The population of this research is 13 banks. The sampling method used in this research was a purposive sampling method, and the samples collected were 9 banks. In this research, the Classic Assumption Test, Multiple Linear Regression Test, Coefficient of Determination (R2), F Test (simultaneous test) and t Test (partial test) were carried out. The results of this research indicate that the FDR and BOPO variables have no effect on ROA. NPF, GCG and CAR variables have an influence on ROA in Sharia Commercial Banks registered with the OJK from 2017 to 2022. Key words: RGEC, NPF, FDR, GCG, BOPO, CAR, ROA
Abstract This research uses the RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) methodology to assess the financial performance of ROA in Sharia Commercial Banks (BUS) registered with the Financial Services Authority (OJK) from 2017 to 2022. The aim of this research is to determine the influence Bank Health Level. In this research, the Risk Profile ratio used is NPF (Non-Performing Financing) and FDR (Financing To Deposit Ratio), Good Corporate Governance is used by Self-Assessment, Earnings is used by BOPO (Operating Costs, Operating Income), and capital, which is represented by the CAR ratio (Capital Adequacy Ratio). The object of this research is Sharia Commercial Banks registered with the OJK in the period 2017 to 2022. The population of this research is 13 banks. The sampling method used in this research was a purposive sampling method, and the samples collected were 9 banks. In this research, the Classic Assumption Test, Multiple Linear Regression Test, Coefficient of Determination (R2), F Test (simultaneous test) and t Test (partial test) were carried out. The results of this research indicate that the FDR and BOPO variables have no effect on ROA. NPF, GCG and CAR variables have an influence on ROA in Sharia Commercial Banks registered with the OJK from 2017 to 2022. Key words: RGEC, NPF, FDR, GCG, BOPO, CAR, ROA
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