ANALISIS KINERJA BANK UMUM SYARIAH DENGAN METODE RISK BASED BANK RATING (RBBR) UNTUK MENGETAHUI TINGKAT KESEHATAN BANK (Studi pada Bank UmumSyariah yang Terdaftar di OtoritasJasaKeuanganRepublik Indonesia Periode 2014-2016)

Abstract

The healthsof Islamic banks is necessary to avoid a banking crisis. The financial performance of Islamic banks can be assessed from the results of the bank soundness rating by using the RBBR method. Bank soundness must be reported by the bank to OJK as the supervisor of the financial services institution. This is based on OJK regulation Number 4 / POJK.03 / 2016 regarding Rating of Bank Commercial Health. This research analyzes the health of Islamic bank with Risk Based Bank Rating (RBBR) method which contains 4 factors that are risk profile factor which is judged from credit risk (NPL ratio), Good Corporate Governance (CGC) factor, earnings factor assessed from ROA (ratio ROA), and capital factor (CAR) which arevalued from the CAR ratio. This study was conducted on 7 Islamic banks listed in the Financial Services Authority of the Republic of Indonesia period 2014-2016 which became the research sample.

Kеywords: Performance of Islamic Bank, Risk Based Bank Rating, Rate Banks Health

ÐBSTRÐK

Kesehatan bank umum Syariah diperlukan agar tidak terjadi krisis perbankan. Kinerja keuangan bank umum Syariah dapat dinilai dari hasil penilaian tingkat kesehatan bankdengan menggunakan metode RBBR. Tingkat kesehatan bank wajib dilaporkan oleh pihak bank kepada OJK selaku pengawas lembaga jasa keuangan. Hal ini berdasarkan peraturanOJK Nomor 4/POJK.03/2016  tentang Penilaian Tingkat Kesehatan Bank Umum. Penelitian ini menganalisis kesehatan bank umum Syariah dengan metode Risk Based Bank Rating (RBBR) yang mengandung 4 faktor yaitu faktor profil risiko yang dinilai dari risiko kredit (rasio NPL), faktor Good Corporate Governance (CGC), faktor earningsyang dinilai dari ROA (rasio ROA), dan faktor capital (CAR) yang dinilai dari rasio CAR. Penelitian ini dilakukan pada 7 bank umum Syariah yang terdaftar di Otoritas Jasa Keuangan Republik Indonesia periode 2014-2016 yang menjadi sampel penelitian.

Kаtа Kunci: Kinerja Bank Umum Syariah, Risk Based Bank Rating, Tingkat Kesehatan Bank