Analisis Tingkat Kesehatan Bank dengan Metode RBBR pada Bank Syariah Indonesia (BSI) pada Periode 2021-2024

Authors

  • Indiy Nufusus Zahro Universitas Islam Negeri Sunan Ampel Surabaya
  • Mohammad Dliyaul Muflihin Universitas Islam Negeri Sunan Ampel Surabaya

DOI:

https://doi.org/10.30651/jms.v11i1.29314

Abstract

Penelitian ini bertujuan untuk menilai tingkat kesehatan Bank Syariah Indonesia (BSI) pada periode 20212024 menggunakan metode Risk-Based Bank Rating (RBBR). Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan memanfaatkan data sekunder berupa laporan keuangan tahunan BSI. Instrumen penelitian terdiri dari rasio-rasio keuangan yang mewakili empat komponen utama dalam RBBR, yaitu Risk Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Teknik analisis data dilakukan melalui perhitungan masing-masing rasio, pengelompokan hasil ke dalam kategori penilaian, serta penarikan kesimpulan berdasarkan komposit kesehatan bank. Hasil penelitian menunjukkan bahwa rasio NPF dan FDR berada dalam kategori sehat, menandakan kemampuan bank dalam mengelola risiko pembiayaan dan likuiditas. Penerapan GCG berada pada predikat sehat, mencerminkan tata kelola yang efektif. Komponen Earnings berada pada kategori sangat sehat melalui nilai NIM, BOPO, dan ROA yang stabil. Selain itu, aspek Capital menunjukkan kondisi sangat sehat dengan rasio CAR yang jauh melebihi batas minimum. Secara keseluruhan, penelitian ini menyimpulkan bahwa BSI berada dalam kondisi sangat sehat dan menunjukkan stabilitas keuangan yang kuat selama periode penelitian.

 

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Published

2026-02-07

How to Cite

Indiy Nufusus Zahro, & Mohammad Dliyaul Muflihin. (2026). Analisis Tingkat Kesehatan Bank dengan Metode RBBR pada Bank Syariah Indonesia (BSI) pada Periode 2021-2024. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.29314

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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