ANALISIS RISK BASED BANK RATING (RBBR) UNTUK MENGUKUR TINGKAT KESEHATAN BANK SYARIAH DI INDONESIA
DOI:
https://doi.org/10.32493/frkm.v1i2.2540Abstract
Penelitian ini bertujuan untuk mengetahui kondisi profil risiko, Good Corporate Governance (GCG), rentabilitas, permodalan dan tingkat kesehatan Bank Syariah di Indonesia dinilai dengan metode Risk Based Bank Rating (RBBR) selama periode 2012-2016. Jenis penelitian deskriptif dengan pendekatan kuantitatif digunakan dalam penelitian ini. Hasil penelitian menunjukkan bahwa faktor profil risiko bank syariah di Indonesia dengan faktor risk profile atas resiko kredit dengan rasio rata-rata secara keseluruhan NPF dengan predikat Sehat. Risiko Likuiditas menunjukkan bahwa rata-rata secara keseluruhan Financing to Deposit Ratio (FDR) dengan predikat Kurang Sehat, Good Coorporate Governance diperoleh hasil analisis self assessment yaitu dengan nilai komposit 1.83% dengan predikat Baik, faktor earning (rentabilitas) dengan Return On Asset (ROA) predikat Kurang Sehat, analisis modal dengan Capital Adequency Ratio (CAR) predikat Sangat Sehat, Metode Risk Based Bank Rating (RBBR) menunjukkan nilai PK 1 dengan predikat Cukup Sehat. berdasarkan Pasal 2 Peraturan bank Indonesia No. 13/1/PBI/2011 dan sesuai yang telah dijelaskan dalam SE BI No. 13/24/DPNP 25 Oktober 2011
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