Analisis Kinerja Keuangan untuk Menilai Kesehatan Bank Rakyat Indonesia dengan Metode Rgec

Authors

  • Kripen Kansil Program Studi Administrasi Bisnis, Fakultas Ilmu Sosial Dan Politik Universitas Sam Ratulangi
  • Frendy A. O. Pelleng Program Studi Administrasi Bisnis, Fakultas Ilmu Sosial Dan Politik Universitas Sam Ratulangi
  • Joula J. Rogahang Program Studi Administrasi Bisnis, Fakultas Ilmu Sosial Dan Politik Universitas Sam Ratulangi

Abstract

This study aims to determine the soundness of Bank Rakyat Indonesia, using the RGEC method. The RGEC method consists of several components, namely Risk Profile, Good Corporate Governance, Earnings, and Capital. Based on the results of data analysis, it was concluded that during the 2017-2019 period, (1) Bank Rakyat Indonesia's risk profile was in a very healthy condition and this indicated that management efforts in managing the level of collectability and maintaining credit quality every year had improved and gave positive results. So that it is able to produce sufficient quality loan growth. (2) GCG during the 2017-2019 period is 2 with healthy criteria. (3) Earnings for 2017-2019 are in a healthy condition with the ROA ratio having the ability to make profits relying on assets as well as possible, the NIM ratio of management's ability to manage its productive activities to produce the company's net interest income is very good, the BOPO ratio of the bank's ability in management the operating expenses and operating income for the three years were very good and included in the very healthy category. (4) Capital for all periods is above the standard set so that the bank is considered to be able to meet the minimum capital provider obligations. (5) aspects of RGEC assessment of the soundness of Bank Rakyat Indonesia by using the RGEC method during the 2017-2019 period are in the composite rank 1 (PK-1) with very healthy criteria.

References

Kawengian, P. F. 2019. Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode RGEC Pada PT. BANK TABUNGAN NEGARA, Tbk. Periode 2015-2017. Jurnal Administrasi Bisnis (JAB)

Mandasari, J. (2015) “Analisis Kinerja Keuangan Dengan Pendekatan Metode Rgec Pada Bank Bumn Periode 2012-2013â€.

Puspita, A. (2014) “Analisis Tingkat Kesehatan Bank Dengan Metode Rgec Pada Bank Bumn Yang Terdaftar Di Bursa Efek Indonesia Tahun 2011-2012â€.

Sugiyono. 2011. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta

Raco, J. R. 2011. Metode Penelitian Kualitatif. Jakarta: PT. Gramedia Widiasarana Indonesia.

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Published

2020-07-31

How to Cite

Kansil, K., Pelleng, F. A. O., & Rogahang, J. J. (2020). Analisis Kinerja Keuangan untuk Menilai Kesehatan Bank Rakyat Indonesia dengan Metode Rgec. Productivity, 1(3), 291–296. Retrieved from https://ejournal.unsrat.ac.id/v3/index.php/productivity/article/view/29740

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