Analysis of Bank Health using the RGEC Method at PT BPR Bali Dananiaga in 2019-2021

Karsiyani, Ni Kadek Putri and Ardina, Cening and Mandia, I Nyoman (2022) Analysis of Bank Health using the RGEC Method at PT BPR Bali Dananiaga in 2019-2021. Repositori Politeknik Negeri Bali.

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Abstract

The banking sector is considered as the driving force of a country's economy, by providing lending activities and other services, banks serve funding needs and facilitate payment system mechanisms for all economic systems. One of the financial institutions engaged in banking is bank perkreditan rakyat (BPR). An assessment of the financial condition of a BPR is very important to determine the soundness of the bank in order to increase public trust. If the health of the BPR decreases, it will also affect the decline in public confidence. This study aims to calculate and analyze the level of bank soundness at PT BPR Bali Dananiaga. This research is a type of qualitative research. The data sources of this research are primary data in the form of interviews related to corporate governance and secondary data in the form of statements of financial position, income statements, commitments and contingencies reports and other information reports at PT BPR Bali Dananiaga in 2019 to 2021. The bank's health assessment technique refers to Financial Services Authority Circular Let-ter Number 14/SEOJK.03/2017 using the RGEC (risk profile, good corporate governance, earning, and capital) method. The results of the research conducted show that the health predicate of PT BPR Bali Dananiaga from 2019 to 2020 is ranked second with a healthy condition and in 2021 it is ranked third with a fairly healthy condition. This means that PT BPR Bali Dananiaga for the past year has experienced financial problems that must be immediately addressed with proper management. Keywords: risk profile, good corporate governance, earning, capital

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