Analisis Tingkat Kesehatan Bank Umum Syariah Menggunakan Metode Risk Based Bank Rating Tahun 2018

The title of this research is the Analysis of the Health Level of Sharia Commercial
Banks using the Risk Based Bank Rating method in 2018. The purpose of this
research is to find out how the health level of Islamic commercial banks (Mandiri
Syariah Bank, BNI Syariah, BRI Syariah and Bank Muamalat) tested using the
Risk Based Bank Rating (RBBR) method in the period 2015-2018. The data
source in this study is secondary data. Secondary data is data obtained or
collected by researchers from various sources that already exist. In this study the
data obtained through the theory book, scientific work. The source of the data was
obtained from the Financial Services Authority website (www.ojk.go.id), Good
Corporate Governance reports, profiles and products obtained from the website.
The results showed that the risk profile of Islamic banking companies of four
companies received a predicate that is healthy and very healthy means that
Islamic banking companies are able to minimize the risk of problem financing and
be able to channel productive assets so that the company has the maximum
potential in generating corporate profits. In sharia bank corporate governance is
in accordance with the principles of Good Corporate Governance so that it gets a
pretty good predicate but an independent bank gets a bad predicate, this indicates
less good corporate governance within the company. Islamic banking companies
experience problems in terms of profitability, some companies get a bad
predicate, this indicates companies can not increase product sales and increase
transactions related to Islamic products. Capital of a company Islamic banks
receive a rating of very healthy assessment means that Islamic bank companies
have productive assets that are good enough so that they can carry out company
activities optimally. Assessment of company efficiency measured by the company's
BOPO can be seen that the company is quite efficient in carrying out the
company's operational activities.