Soundness Level of the Regional Development Banks Using REGC Method During COVID – 19 Pandemic

Irvandi W. Ombuh, Jones X. Pontoh

Abstract


The COVID-19 Pandemic has been the main challenge for the banking industry, which functions as financial intermediation and one of the pillars supporting economic development. The study employs the REGC (Risk Profile, Earnings, Good Corporate Governance, Capital) method to investigate the soundness level of regional development banks in eastern Indonesia during the Covid-19 Pandemic. The type of research in the study is a descriptive method with a quantitative approach. The object of this research is eight regional development banks in eastern Indonesia. The financial statements, such as the Balance Sheet and the Income Statement from 2020 to 2021, will be analyzed. The study finds that during the COVID-19 pandemic, all banks showed good soundness, reflected in composite rankings 1 and 2. Banks must improve the efficacy of their risk management and governance implementation to enable the bank to identify problems sooner and implement appropriate and faster improvements to make it more resilient in the face of crises, so the bank can keep maintaining excellent performance to support the development of eastern Indonesia, which is the main focus of national development.

 

Keywords: Composite Ranking, Covid 19-Pandemic, REGC, Regional Development Bank, Soundness Level.

Full Text:

PDF

References


Azmi, F., Pramono, N. H., & Wahyuni, M. (2021). Analisis Tingkat Kesehatan Bank Syariah Menghadapi Pandemi Covid-19. Jurnal Ilmiah Ekonomi Islam, 7(03), 1880–1888.

Badan Pusat Statistik. (2021). Ekonomi Indonesia 2020 Turun Sebesar 2,07 Persen (c-to-c). https://www.bps.go.id/pressrelease/2021/02/05/1811/ekonomi-indonesia-2020-turun-sebesar-2-07-persen--c-to-c-.html

Bank Indonesia. (2011). Surat Edaran Bank Indonesia No.13/24/DPNP Perihal Penilaian Tingkat Kesehatan Bank Umum.

Bappenas. (2019). Pimpin Konreg RPJMN 2020-2024 Wilayah Maluku dan Papua, Menteri Bambang Paparkan Strategi Pembangunan Wilayah Timur Indonesia. https://www.bappenas.go.id/index.php/berita/pimpin-konreg-rpjmn-2020-2024-wilayah-maluku-dan-papua-menteri-bambang-paparkan-strategi-pembangunan-wilayah-timur-indonesia

Dinarjito, A., & Priatna, A. (2021). Kesehatan Bank Bumn Yang Terdaftar Di Bei Sebelum Dan Selama Pandemi Covid-19. Jurnalku, 1(2), 141–155. https://doi.org/10.54957/jurnalku.v1i2.28

Ekonomi, J. (2022). 67 | Salsa Nabila, Nur S Buchori, Edy Suprapto : Analysis on the soundness Level of Shariah Commercial Banks Using RGEC during the covid-19. 10(1), 66–85.

Febriana Verawaty Siagian, & Muammar Rinaldi. (2020). Analisis Kinerja Keuangan Dengan Menggunakan Metode RGEC Pada Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Akuntansi Bisnis Eka Prasetya : Penelitian Ilmu Akuntansi, 6(1), 73–87. https://doi.org/10.47663/abep.v6i1.49

Handayani, D., Ananto, R. P., & Ferdawati. (2020). Tingkat Kesehatan Bank Perkreditan Rakyat Syariah Ditengah Pandemi Covid-19 (Studi Kasus Pada BPRS Al-Makmur Payakumbuh). Jurnal Akuntansi Keuangan Dan Bisnis, 13(2), 60–69.

Krisetiawati, I. S. (2021). The Performance of Regional Development Banks during Covid-19 Pandemic. 4(3), 1337–1349.

Lisdayanti, A., Destion Daniel, R., & Anindita, W. (2013). Efektifitas Kinerja BPD Terhadap Pertumbuhan Ekonomi Daerah. PESAT (Psikologi, Ekonomi, Sastra, Arsitektur & Teknik Sipil), 5(22), 406–413.

Mulazid, A. S. (2016). Pelaksanaan Sharia Complience Pada Bank Syariah (Studi Kasus Pada Bank Syariah Mandiri, Jakarta). Madania, 20(1), 37–54.

Otoritas Jasa Keuangan. (2017). Salinan Surat Edaran Otoritas Jasa Keuangan Nomor 14 /SEOJK.03/2017 Tentang Penilaian Tingkat Kesahatan Bank Umum.

Paramartha dan Darmayanti, M. (2017). Penilaian Tingkat Kesehatan Bank Dengan Metode RGEC Pada PT Bank Mandiri,Tbk. E-jurnal Manajemen Unud Vol 6. E-Jurnal Manajemen Unud, 6(2), 948–974.

PT BPD Papua. (2022). Annual Report. https://www.bankpapua.co.id/home/index/laporan

PT.Bank Maluku & Maluku Utara. (2022). Annual Report. http://www.bankmalukumalut.co.id/public/guest/id/annually-report

PT.BPD Bali. (2022). Annual Report. https://www.bpdbali.co.id/page/read/33

PT.BPD Nusa Tenggara Timur. (2022). Annual Report. https://bpdntt.co.id/id/lapkeuc?id=1&title=Laporan Tahunan

PT.BPD Sulawesi Selatan & Barat. (2022). Annual Report. https://banksulselbar.co.id/download/laporan-tahunan

PT.BPD Sulawesi Tengah. (2022). Annual Report. http://www.banksulteng.co.id/l_annual.html

PT.BPD Sulawesi Tenggara. (2022). Annual Report. http://banksultra.co.id/v4/investor/laporan/tahunan.html

PT.BPD Sulawesi Utara & Gorontalo. (2022). Annual Report. https://www.banksulutgo.co.id/bankreport/list/laporan-tahunan.html

Purwanto, P. (2019). Analisis Perbandingan Antara Tingkat Kesehatan Bank Pembangunan Daerah Dengan Bank Umum Lainnya. Jurnal AKTUAL, 17(1), 1. https://doi.org/10.47232/aktual.v17i1.28

Ratcliffe, R. (2020). First coronavirus cases confirmed in Indonesia amid fears nation is ill-prepared for outbreak. TheGuardian.Com. https://www.theguardian.com/world/2020/mar/02/first-coronavirus-cases-confirmed-in-indonesia-amid-fears-nation-is-ill-prepared-for-outbreak

Refmasari, Aga, V., Setiawan., & Ngadirin. (2014). Penilaian Tingkat Kesehatan Bank Umum Menggunakan Metode RGEC dengan Cakupan Risk-Profile, Earnings, dan Capital pada Bank Pembangunan Daerah Provinsi Daerah Istimewa Yogyakarta Tahun 2012. Jurnal Profita 2014 Vol 2 No.1,41-45

Saiya, S. I. J., & Pandowo, M. (2014). Analysis of banking soundness using camel method. 3(2), 132–140.

Sarker, A. A. (2005). CAMELS Rating System in the Context of Islamic Banking: A Proposed “S†for Shariah Framework. Journal of Islamic Economics, Banking and Finance, 1(1), 78–84.

Sengkey, M. (2010). Performance of the Regional Development Banks in Indonesia: An Application of Camel and Anova Test. JBE (Journal of Business and Economics), 9(1), 40–48. http://ejournal.unklab.ac.id/index.php/jbe/article/view/120

Shabri, M., Majid, A., Musnadi, S., & Putra, I. Y. (n.d.). A Comparative Analysis of the Quality of Islamic and Conventional Banks’ Asset Management in Indonesia. Gadjah Mada International Journal of Business, 16(2), 185–200. http://www.gamaijb.mmugm.ac.id/

Shereen, M. A., Khan, S., Kazmi, A., Bashir, N., & Siddique, R. (2020). COVID-19 infection: Origin, transmission, and characteristics of human coronaviruses. Journal of Advanced Research, 24, 91–98. https://doi.org/10.1016/j.jare.2020.03.005

Sumanti, E. (2012). Kualitas Corporate Governance dan Kinerja Bank: Studi Kasus Perbankan di Indonesia. JBE (Journal of Business and Economics), 11(1), 44–52. http://ejournal.unklab.ac.id/index.php/jbe/article/view/70

Sutanto, H. A. (2015). Analisis Efisiensi Teknis Bank Pembangun. Jejak, 8(1), 23–35. https://doi.org/10.15294/jejak.v8i1.3851

Wahasusmiah, R., & Watie, K. R. (2018). Metode Rgec : Penilaian Tingkat Kesehatan. I-Finance, 04(02), 170–184.




DOI: https://doi.org/10.32535/jicp.v5i2.1690

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Irvandi W. Ombuh, Jones X. Pontoh

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Flag Counter

Published by:

AIBPM Publisher

Editorial Office:

JL. Kahuripan No. 9 Hotel Sahid Montana, Malang, Indonesia
Phone:+62 341 366222
Email: journal.jicp@gmail.com
Website:http://ejournal.aibpmjournals.com/index.php/JICP

Supported by: Association of International Business & Professional Management

If you are interested to get the journal subscription you can contact us at admin@aibpm.org.

ISSN 2622-0989 (Print)
ISSN 2621-993X (Online)

DOI:Prefix 10.32535 by CrossREF

Journal of International Conference Proceedings (JICP) INDEXED:

 

In Process


This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.