ABSTRAK
Ma’rifatul Hikmah, Analisis Tingkat Kesehatan Bank Umum Syariah Dan Bank Umum Konvensional Di Indonesia Berdasarkan Risk Profile, Good Corporate Governance, Earning And Capital (RGEC) dibawah bimbingan Dr. IGN Oka Widana, SE, MM.
Kegiatan usaha yang dilakukan oleh Bank Umum baik Bank Umum Syariah maupun Bank Umum Konvensional dapat beroperasi dengan baik jika kondisi tingkat kesehatan bank berada dalam kategori sehat, sehingga untuk mengatur hal tersebut Otoritas Jasa Keuangan (OJK) mengaturnya dalam POJK No. 4/POJK.03/2016 bagi Bank Umum Konvensional dan POJK No. 8/POJK.03/2014 bagi Bank Umum Syariah.
Penelitian ini bertujuan untuk mengetahui perbandingan tingkat kesehatan Bank Umum Syariah dan Bank Umum Konvensional di Indonesia dengan menggunakan metode deskriptif selama periode penelitian yaitu tahun 2015 - 2017. Penelitian ini menggunakan alat ukur Risk Profile, Good Corporate Governance, Earning And Capital (RGEC), dimana Risk Profile diukur menggunakan rasio NPL/ NPF dan LDR, Good Corporate Governance menggunakan nilai hasil self assessment yang telah dilaporkan pada OJK, Earning menggunakan rasio ROA dan Capital Menggunakan rasio CAR. Hasil perbandingan menunjukkan perbedaan tingkat kesehatan Bank Umum Syariah dengan Bank Umum Konvensional, yang secara umum menunjukkan bahwa tingkat kesehatan Bank Umum Konvensional lebih sehat.
Kata Kunci: Bank Umum Syariah, Bank Umum Konvensional, RGEC, Tingkat Kesehatan Bank.
ABSTRACT
Ma’rifatul Hikmah, Analysis of Health Level of Sharia Commercial Banks and Conventional Commercial Banks in Indonesia Based on Risk Profile, Good Corporate
Governance, Earning And Capital (RGEC) under the guidance of Dr. IGN Oka Widana, SE, MM.
The business activities carried out by Commercial Banks, both Islamic Sharia Banks and Conventional Commercial Banks, can operate well if the soundness condition of the banks is in the healthy category, so that the Financial Services Authority (OJK) regulates this in POJK No. 4 / POJK.03 / 2016 for Conventional Commercial Banks and POJK No. 8 / POJK.03 / 2014 for Sharia Commercial Banks.
This study aims to compare health levels of Islamic Commercial Banks and Conventional Commercial Banks in Indonesia using descriptive methods. This study uses a measure of Risk Profile, Good Corporate Governance, Earning And Capital (RGEC), where the Risk Profile is measured using the NPL / NPF and LDR ratios, Good Corporate Governance uses the self-assessment results reported in the FSA, Earning uses the ROA ratio and Capital Using the CAR ratio. The comparison results show differences in the soundness of the Sharia Commercial Banks with Conventional Commercial Banks, which generally indicate that the soundness of Sharia Commercial Banks is healthier.
Keywords: Sharia Commercial Banks, Conventional Commercial Banks, RGEC, Health Level.
