RGEC: Analisis Tingkat Kesehatan Bank BCA Syariah Sebelum dan Selama Pandemi Covid-19

Abstract

This study aims to determine the health level of Bank BCA Syariah using the RGEC measurement method before and during the Covid-19 pandemic. The assessment factor in the RGEC method is the Risk Profile using credit risk (NPF ratio) and liquidity risk (FDR ratio), Earnings (ROA ratio) and Capital (CAR ratio). This research is a quantitative descriptive study using secondary data, namely reports published in the 2019-2020 Annual Report. The results of this study indicate that the health level of BCA sharia banks in terms of the risk profile of the NPF ratio before and during the pandemic with the predicate very healthy and the FDR before the pandemic was quite healthy while during the pandemic it was healthy. The GCG ratio before and during the pandemic received a very good rating, then in the profit aspect, the ROA ratio before and during the pandemic was at a fairly healthy composite rating and the capital aspect both before and during the pandemic received a very healthy predicate.