BANK NTB SYARIAH'S SOUNDNESS: A MULTI-METHOD ASSESSMENT USING CAMELS, RGEC, AND ALTMAN Z-SCORE
DOI:
https://doi.org/10.35794/jmbi.v10i3.50412Abstrak
Makalah ini bertujuan untuk mengetahui tingkat kesehatan bank Bank NTB Syariah selama periode 2019 s.d. 2021 dengan menggunakan metode CAMELS (Capital, Assets, Management, Earning, dan Liquidity serta Market Sensitivity), RGEC (Risk Profile, Good Corporate Governance (GCG), Earning, Capital), dan analisis kebangkrutan dengan metode Altman Z Score. Data yang digunakan dalam makalah ini diperoleh melalui tehnik dokumentasi yang bersumber dari laporan keuangan dan laporan tahunan Bank NTB Syariah tahun 2019 s.d 2021. Teknik analisa data yang digunakan adalah analisis tingkat kesehatan bank dengan pendekatan Risiko dengan cakupan penilaian yang meliputi faktor-faktor CAMELS, RGEC dan Altman Z Score. Berdasarkan penilaian tingkat kesehatan PT. Bank NTB Syariah pada tahun 2019 sd 2021 yang diukur dengan pendekatan RGEC dan CAMELS secara keseluruhan dapat dikatakan bahwa Bank NTB Syariah adalah bank yang sehat, sementara hasil analisis prediksi kebangkrutan dengan menggunakan model Altman Z Score diketahui bahwa kondisi Bank NTB Syariah pada tahun 2021 berada dalam grey area, lebih baik dari posisi pada tahun 2020 dan 2019 yang menunjukkan posisi pada financial distress (bangkrut).
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