Analisis Kinerja Keuangan PT Bank Mega Syariah dengan RGEC, Efisiensi, Stabilitas, dan Financial Distress Periode 2019-2023

Nizzatul Husna; Najwa Nurfan Fadhilah; Nurul Eliza

doi:10.21009/wahana.19.0210

Authors

Nizzatul Husna UIN Syarif Hidayatullah Jakarta
Najwa Nurfan Fadhilah Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta
Nurul Eliza Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta

DOI:

https://doi.org/10.21009/wahana.19.0210

Keywords:

Islamic Bank, Bank Health Level, RGEC Method, Operational Efficiency, Financial Stability, Bankruptcy Potential, PT Bank Mega Syariah

Abstract

This study evaluates the health of PT Bank Mega Syariah from 2019 to 2023 using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The analysis includes operational efficiency, financial stability, and bankruptcy risk with annual financial report data. The results show that the RGEC method is effective in measuring the health of Islamic banks, with fluctuations in profitability and risk management. Despite efficiency challenges, the G-score model indicates low bankruptcy risk. This study provides strategic recommendations to improve financial and operational performance, relevant to regulators and stakeholders in the development of Islamic banking in Indonesia.

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