Analysis Of Bank Health Level Using Risk Profile Methods, Sharia Governance, Business Profit, Capital In Sharia Commercial Banks Registered On The Idx In The Period 2019-2021

Muh Fahri¹, Alberta Esti Handayani²

Abstract

This research is motivated by the identification that Islamic commercial banks have not developed so rapidly in Indonesia globally, experiencing ups and downs in the last 4 years (2016-2021). The purpose of this study is to determine the health level of Islamic commercial banks using the Risk Profile (R), Good Corporate Governance (G), Earning (E), Capital (C) methods commonly referred to as the RGEC method to maintain the health of banks that meet Bank Indonesia’s assessment standards which are categorized as very healthy or even unhealthy. This type of research is quantitative descriptive, using secondary data. The sampling technique used in this study is the purposive sampling technique. The number of samples used is 2 Islamic commercial banks. The sample collection technique used is the documentation method in the form of financial report data from Islamic commercial banks listed on the IDX for the 2019-2021 period. The results of the study show that using the RGEC method predicts that of the 2 (two) Islamic general banks that are in a healthy condition, namely Bank Panin Dubai Syariah in 2019 obtained a composite rating of 82.85% getting a healthy category, in 2020 obtained a composite rating of 80% getting a healthy category and in 2021 obtained a composite rating of 80% getting a healthy category. Then for Bank Syariah Indonesia in a very healthy condition. In 2019 obtained a composite rating of 91.42% which means very healthy, in 2020 obtained a composite rating of 94.28% which means very healthy and in 2021 obtained a composite rating of 97.14% which means very healthy.