Efektivitas Metode RGEC Dalam Menilai Penerapan Green Banking Pada Bank Swasta Di Indonesia

Abstract: In principle, the relationship between the bank and its customers are saving money in the bank based on the relationship of trust, so that each bank is required to have to continue to maintain the level of health. Solutions that can be taken by the banks, both conventional banks and Islamic banks, to maintain the existence and level of health is with the implementation of the principles of good corporate governance. Therefore, it is interesting to examine the comparison of implementation of the principles of good corporate governance in conventional banks and Islamic banks. The method used in this study is a normative legal research. This research use approach legislation. The results showed that in essence, the implementation of the principles of good corporate governance in conventional banks and Islamic banks are the 'same', because it refers to the "Code of Good Corporate Governance Indonesian Banking" issued by the National Committee on Governance (NCG). The fundamental difference lies in Islamic principles used by Islamic banks. In addition to guided and supervised by the Financial Services Authority as conventional banks, Islamic banks are also supervised by the National Sharia Board MUI and Sharia Supervisory Board who served in each Islamic bank.
 Keywords: The Principles of Good Corporate Governance

This study aims to assess the level of efficiency and effectiveness of the credit department, especially in terms of lending, and to obtain an overview of the principles and principles of good corporate governance in the company's lending procedures. The population in this study were all employees at the Main Branch Office (KCU) Panakukang PT. Bank Central Asia (Persero) Tbk Makassar. The research sample was selected based on specific considerations or criteria from the researcher to get as much information as possible. The source of data in this study is primary data obtained through field research, using data collection techniques in questionnaires and interviews. This research was processed using qualitative analysis techniques—the steps taken by analyzing data reduction, presentation, and concluding. The study results indicate that the implementation of the principles of Good Corporate Governance by Bank BCA has been running very well, which can be seen from the fulfillment of all the principles of Good Corporate Governance in the operations of Bank BCA, especially in terms of lending procedures. This has increased the number of loans and led to a decrease in the ratio of non-performing loans over the last six years

Management of Sharia finance company is based on good corporate governance principle. It’s principle applied to manage company operational and kept sharia finance company among the bankings competition. Its company activities has many risks indeed. Since company as funding and financing party, so its confront the vital risk. Because of that, its has good risk management needed. Moreover, in the risk of financing. The risk management on the sharia finance company based on the sharia banking’s regulation. Its regulation include of Good Corporate Governance principle and Risk Management principle. For having to know this application is research carefully on the sharia finance company of BPRS Lantabur Tebuireng.This research makes use of qualitative approach with collecting data methods are observation, interview and documentation. Analysis process in this research are data reduction, description, makes conclusion and the last is data’s validity checking.The research result shows that application of good corporate governance (GCG principle) in the risk management of BPRS Lantabur Tebuireng’s financing are good. Amount four aspect of Good Corporate Governance (GCG) principle were good application are transparency, accountability, responsibility, and fairness. Meanwhile, one aspect of Good Corporate Governance (GCG) principle were bad application (not effective) is independency. Its independency aspect on the financing’s decision making is not effective yet. By the result of that, BPRS Lantabur Tebuireng needs good management process to cover financing analysis from customers financing propose.

In principle, the relationship between the bank and its customers are saving money in the bank based on the relationship of trust, so that each bank is required to have to continue to maintain the level of health. Solutions that can be taken by the banks, both conventional banks and Islamic banks, to maintain the existence and level of health is with the implementation of the principles of good corporate governance. Therefore, it is interesting to examine the comparison of implementation of the principles of good corporate govenance in conventional banks and Islamic banks. The method used in this study is a normative legal research. This research use approach legislation. The results showed that in essence, the implementation of the principles of good corporate governance in conventional banks and Islamic banks are the ‘same’, because it refers to the “Code of Good Corporate Govenance Indonesian Banking” issued by the National Committee on Governance (NGG). The fundamental difference lies in Islamic principles used by Islamic bans. In addition to guided and supervised by the Financial Services Authority as conventional banks, Islamic banks are also supervised by the National Sharia Board MUI and Sharia Supervisory Board who served in each Islamic bank.
 Keywords: The Principles of Good Corporate Governance

The principle of Good Corporate Governance, is a guideline or reference for running a company in a structured and effective manner in order to create a company that can survive and be sustainable. The application of the principle of Good Corporate Governance in a company will certainly have an impact on the interests of the parties, one of which is the workers in the company. Therefore, to manage and run a company properly, it must be based on the principle of Good Corporate Governance as a guideline so that the company can be run optimally and not in conflict with laws and regulations so that workers' rights can be fulfilled. The purpose of this study is to determine the application of the principle of Good Corporate Governance in accordance with laws and regulations in Indonesia regarding the fulfillment of workers' rights. The research method used in this article is a normative legal approach by reviewing and analyzing laws and regulations and legal literature related to workers' rights and the principle of Good Corporate Governance. The influence of the application of the principle of Good Corporate Governance on the fulfillment of workers' rights is closely related. The application of the principle of Good Corporate Governance will have an impact on workers' rights being fulfilled so that workers' welfare can be guaranteed.

Indonesia has a lot of different bank options, there are sharia banks and also conventional banks, and lately there are many cases where customers lost funds either due to negligence on the part of customers or because of fraud of bank employees. This makes customers more selective and careful in choosing banks to save their money. So from that, in order to gain the trust of the customer, the bank must always keep its level of health. According to the Bank of Indonesia Regulation No.13/1/PBI/2011 on Assessment of Health Level of General Bank using the RGEC metodh. The purpose of this research is to analyze the comparison of the health level of sharia banks and conventional banks according to KBMI using RGEC method. The method of research used is quantitative comparative, i.e. empirical numerical research by comparing the two objects studied. The data used in this study is secondary data of the annual report of the bank that has been published. The variables used in this study are for Risk Profile (NPF/NPL and FDR/LDR), Governance (GCG), Earnings (ROA, ROE, NI and BOPO) and Capital (CAR). The samples used in this study are Bank Syariah Indonesia (BSI) and Bank OCBC NISP periode 2021-2023 with sampling techniques using purposive samplings. Data processing techniques use Microsoft Excel. The results of the research that has been performed show that the health level of Bank Syariah Indonesia (BSI) and Bank OCBC NISP in 2021-2023, both are in PK-1 between 86 – 100% with an average composite value of 87,5% which is in very healty condition. But if you look at its development, sharia banks are superior to conventionl banks because in the last three years the shria bank has had a rise while the conventional bank has fluctuated.

The purpose of this research is to look at the influence of the various influences of Good Corporate Governance on financial performance and the influence of the Tri Hita Karana philosophy on the relationship between the various principles (principles) of Good Corporate Governance and financial performance in the LPD, Blahbatuh Gianyar District. The number of samples used was 72 people. Questionnaires are used as a way to collect data. The data analysis technique used moderated regression analysis. From the questionnaire that has shown the results of various principles (principles) of good corporate governance have a relevant influence on financial performance in the LPD, Blahbatuh Gianyar District. The Tri Hita Karana philosophy can erase the implementation of the principles of Good Corporate Governance on financial performance in the LPD, Blahbatuh Gianyar District.

Purpose : The study aims to determine the composite ranking and the condition of whether there are differences in bank health level before and during the Covid-19 pandemic in conventional commercial bank companies in Indonesia Stock Exchange (IDX) in 2019-2020.Method : Descriptive quantitative research with comparative quantitative is applied in this research method. This study also uses the sign-Wilcoxon test. The data used is annual financial report for 2019-2020. There are 39 banks went public on the IDX in 2019-2020 as research sample in this research.Findings : The research result proved that the health of conventional commercial banks before and during the Covid-19 pandemic is included in Composite Rating 2 (PK-2), which reflects the bank’s general health condition. There is no difference in bank health level before and during the Covid-19 pandemic for the ratio of NPL, GCG, and ROA. However, there are differences in bank health level before and during the Covid-19 pandemic for the ratio of LDR, NIM and CAR. Novelty : The research contributes a new finding regarding analysis of bank health level assessment using RGEC method with comparing the bank health level before and during the Covid-19 Pandemic whereas the previous study merely research on sharia or conventional banks but before Covid-19 pandemic comes. This research finding directly implicates to the bank management to care about their performance, especially regarding to the bank health as one of signal for the investor who has their interest to the bank.Keywords : Bank Health Level; Covid-19; Financial Ratio; RGEC

This study aims to determine: the effect of the role of the commissioners, to the implementation of the principles of good corporate governance, the influence of the role of the commissioners and the implementation of the principles of corporate governance either partially or simultaneously on the performance of Bank Perkreditan Rakyat in Tasikmalaya. The method used a quantitative descriptive study population is a Bank Perkreditan Rakyat in Tasikmalaya, sampling using purposive sampling technique, with analysis tools using path analysis. The results showed that: the role of the board of commissioners, the implementation of the principles of corporate governance and bank performance generally categorized as good; the role of commissioner to the application of the principles of good corporate governance positively and significantly; and, the role of the commissioner and the application of the principles of good corporate governance partially and simultaneously on the performance of positive and significant influence.

This research aims to determine the level of bank health at PT Bank Mandiri (Persero) Tbk compared to PT Bank Central Asia Tbk using the RGEC (Risk profile, Good Corporate Governance, Earnings, Capital) method for 2018-2020. This type of research uses quantitative descriptive research. The variables used by researchers are RGEC and Bank Health. The research subject is PT. Bank Mandiri (Persero) Tbk and PT. Bank Central Asia Tbk is listed on the Indonesia Stock Exchange (BEI) for 2018-2020. The object of this research is the annual report of the two banks. The data analysis method uses financial report analysis and GCG self-assessment reports for the RGEC method. The research results show that the average composite value for Bank Mandiri is 91% while BCA is 96.67%, meaning that in the RGEC analysis for assessment based on ratios (NPL, LDR, Self Assessment GCG, ROA, NIM, CAR) BCA bank has a higher level of health compared to Mandiri banks. Keywords: Bank Health, Composite Value, RGEC

The purpose of this study is to compare the liquidity ratios of Islamic banks before and during the covid-19 pandemic. This study uses qualitative research methods and the data source used is secondary data taken from the financial statements of Islamic banks which are the object of research. The results showed that there were Islamic banks that experienced an increase and decrease in FDR from the previous year, Islamic banks that experienced an increase were Bank Bukopin Syariah and BTPN Syariah, while those that experienced a decrease in FDR were Bank Mega Syariah, BCA Syariah and Bank Muamalat. On CR Bank Mega Syariah, BCA Syariah and Bank Muamalat increased , the component R asio remain in a healthy state as the previous year . S hile Bank Syariah Bukopin and Bank Syariah Bank experienced a significant decline seen from its declining ratio. QR BCA Syariah, Bank Bukopin Syariah and BTPN Syariah experienced an increase during the pandemic compared to the previous year as indicated by their ratios that were in a healthy condition, while Bank Mega Syariah and Bank Muamalat did not experience an increase in their ratios as indicated by ratios that were in an unhealthy condition. 
 Keywords: FDR, CR, QR, Covid-19, Liquidity

Islamic banks are banks that carry out their business activities based on the principles of Islamic law in banking activities based on fatwas issued by the National Sharia Council of the Majelis Ulama Indonesia. This research aims to explain the principles of Good Corporate Governance in Islamic banking in Indonesia. The method used in this research is normative legal research. The results of the research explained that to maintain the trust of Indonesian people who are predominantly Muslim, Islamic banking must apply the principle of Good Corporate Governance in its management. The application of the principle of Good Corporate Governance in Islamic banking is strictly regulated in Article 34 Paragraph (1) of Law Number 21 of 2008, which emphasizes that Islamic banks must implement good governance that includes the principles of transparency, accountability, responsibility, professionalism and fairness in carrying out its business activities. Form of application of the principles of Good Corporate Governance in Islamic banking is supervision conducted by the National Sharia Council of the Majelis Ulama Indonesia in general and the Sharia Supervisory Board specifically in each Islamic bank. Based on data from the Financial Services Authority in 2017, currently there are 13 Islamic banks in Indonesia, 13 Islamic business unit of conventional banks, and 102 Islamic rural banks. This is evidence of the existence and development of Islamic banking that is significant in the national banking system.

The purpose of this study is to see whether there is a difference between the financial performance of conventional banks and sharia banks period 2013-2016. Financial performance indicators used in this study are financial ratios of CAR, LDR / FDR, NPL / NPF, BOPO and ROA. In this study the conventional bank samples used are Bank Mandiri, Bank BCA and Bank BNI. Meanwhile, the sharia bank sample in this research is Bank Mandiri Syariah, Bank BCA Syariah and Bank BNI Syariah. Data analysis method used in this research is descriptive analysis and Wilcoxon Signed Ranks test. Based on the results of data analysis and Wilcoxon Signed Ranks test, the result shows that there is no difference of financial performance between conventional bank and syariah bank by using CAR, LDR / FDR and NPL / NPF indicator, but if using BOPO and ROA indicator there is difference between conventional banks and sharia banks. The results also show BOPO and conventional bank ROA better than BOPO and ROA of sharia bank.

The study discusses the principles of good corporate governance in law number 40 of 2007 concerning Limited Liability Companies. The main problems in this study include whether there are norms governing the principles of good corporate governance in Law Number 40 of 2007 concerning Limited Liability Companies and whether the principles of good corporate governance (good corporate governance) in Law Number 40 of 2007 concerning Limited Liability Companies, it has provided legal protection to stakeholders. Normative type of research is often the law conceptualized as what is written in the legislation. By using the Legislative approach and Conceptual approach

This research begins with a phenomenon where fraud is related to the principles of Good Corporate Governance that are not implemented properly by the company. The low level of employee discipline towards organizational culture and the low internal control system are used as an opportunity to cheat by taking advantage of position and position. If these two things are carried out properly, the company can minimize fraud, which can affect the quality of reports. Here the researcher uses a quantitative approach through causal research. The population chosen by researchers is manufacturing companies in the consumer goods industry sector listed on the IDX in the 2021 period. The research sample used the accidental sampling method, comprising 64 manufacturing companies in the consumer goods industry sector and 85 respondents. The process of collecting primary data by utilizing a questionnaire. Data analysis and processing apply Smart PLS. His research proves that the internal control system has a significant positive influence on the principles of good corporate Governance but does not affect the quality of financial reports. Meanwhile, organizational culture significantly positively affects the principles of Good Corporate Governance and the quality of financial reports. The principles of Good Corporate Governance significantly positively affect the quality of financial reports.