RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC) METHOD SEBAGAI INSTRUMEN PENGUKUR TINGKAT KESEHATAN PERBANKAN SYARIAH DI INDONESIA

Abstract

Bank Indonesia perfected the Bank's health assessment method from CAMELS to RGEC method which includes factors of Risk Profile, Good Corporate Governance, Earning, and Capital in accordance with Bank Indonesia Circular Letter No.13 / 24 / DPNP dated October 25, 2011 on Assessment Health Level of Commercial Banks. Such adjustments need to be made so that the bank soundness rating can be more effectively used as a tool to evaluate the bank's financial performance. The results of the analysis on the Rating of Health Level at Bank Syariah Mandiri, Bank BRI Syariah, Bank Syariah Bukopin, BCA Syariah using RGEC method shows the bank's health predicate in accordance with the standards set by Bank Indonesia for the period 2013, 2014 and 2015 with the conclusion of the assessment results the same in composite 2, which reflects the general condition of the bank healthy. Except for Bank BNI Syariah in the period of 2013 with the conclusion of composite rating of 1, which reflects the condition of banks that are very healthy, the period 2014 and 2015 with the conclusion of composite rating 2, which reflects the general condition of the bank healthy. The Bank's Health Level in terms of RGEC at Sharia Commercial Banks in the period of 2013, 2014, and 2015 are in healthy criteria, so it is considered very capable of facing significant negative impacts from changes in business conditions and other external factors.