ANALISIS TINGKAT KESEHATAN BANK SYARIAH DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING DAN CAPITAL) STUDI PADA PT. BANK MUAMALAT IDONESIA TAHUN 2018- 2022

Abstract

n 2018, Bank Muamalat was rumored to be bankrupt due to the high ratio of nonperforming financing which had an impact on depleting banking capital. This research aims to

determine the health level of Bank Muamalat in 2018-2022 using the RGEC method. This type

of research uses a quantitative descriptive approach. The data used in this research is secondary

data, namely the annual financial reports for 2018-2022. The research results show that the

health level of Bank Muamalat Indonesia in 2018 was in the quite healthy category with a final

composite score of 62.85% getting a composite rating of 3, in 2019 it was in the quite healthy

category with a final composite score of 62.85% getting a composite rating of 3, in 2020 it was

in the quite healthy category with a final composite score of 62.58% getting a composite rating

of 3, in 2021 it was in the quite healthy category with a final composite score of 68.57% getting

a fairly healthy composite rating, and in 2022 it was in the quite healthy category with The final

composite score was 68.57%, obtaining a composite rating of 3.