Analisis Kesehatan Sektor Bank Digital yang Terdaftar di BEI dengan Pendekatan Risk Based Bank Rating pada Periode 2022-2024

Indri Iswardhani

doi:10.59603/masman.v3i3.1074

Authors

Indri Iswardhani Universitas Negeri Makassar

DOI:

https://doi.org/10.59603/masman.v3i3.1074

Keywords:

Digital Banking, Good Corporate Governance, RGEC, Risk Based Bank Rating, Risk Profile

Abstract

This study aims to analyze the health of the digital banking sector listed on the Indonesia Stock Exchange (IDX) for the period 2022-2024 using the Risk-Based Bank Rating (RGEC) approach, which involves four main aspects: risk profile, good corporate governance, earnings, and capital. The research method used is descriptive quantitative analysis with secondary data. The sampling method was purposive sampling, which includes four digital banks listed on the IDX: ARTO (Bank Jago Tbk), BBHI (Bank Harda Internasional Tbk), BBYB (Bank Neo Commerce Tbk), and AMAR (Bank Amar Indonesia Tbk). The results show that based on the composite value calculations, these digital banks have shown significant improvement, moving from a composite rating of 3 (PK-3) with a "fairly healthy" predicate in 2022 to a composite rating of 2 (PK-2) with a "healthy" predicate in 2023 and 2024. Although improvements have been made in several key areas, such as risk management and profitability, the main challenges still faced by digital banks are liquidity management and credit quality, reflected in the high Loan to Deposit Ratio (LDR) and significant Non-Performing Loans (NPL). This study also emphasizes the importance of strengthening good corporate governance (GCG) principles and more effective risk management to support the sustainability and growth of the digital banking sector in Indonesia. Therefore, digital banks need to focus more on improving liquidity management, credit quality, and enhancing the efficiency of margin and capital management to overcome future challenges and strengthen their position in the digital banking industry.

References

Agung, J., & Harun, C. A. (2021). Kebijakan Makroprudensial di Indonesia: Konsep, Kerangka, dan Implementasi - Rajawali Pers. PT. RajaGrafindo Persada.

Anam, H., Sl, H., & Anhar, B. (2022). Tingkat Kesehatan Bank dengan Metode RGEC. Jurnal GeoEkonomi. https://jurnal.fem.uniba-bpn.ac.id/index.php/geoekonomi/article/view/150

Aprilia, W., & Hapsari, N. (2021). Pengaruh Tingkat Kesehatan Bank Melalui Metode RGEC Terhadap Nilai Perusahaan (Studi Kasus Pada Perusahaan Perbankan Yang Terdaftar di Bursa Efek Indonesia Periode 2016-2020). Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan, 16(2), 13–27. https://doi.org/10.32832/neraca.v16i2.5432

Bank Indonesia. (2011). Surat Edaran Bank Indonesia No.13/24/DPNP/2011.

Fauzan, M., Hardana, A., Nasution, A. A., & Pasaribu, M. (2021). Analisis Perbandingan Metode CAMELS Dan Metode RGEC Dalam Menilai Tingkat Kesehatan PT. Bank Panin Dubai Syariah, Tbk. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 6(3), 815–832. https://doi.org/10.30651/jms.v6i3.9998

Gina, F. I., Nopiyanti, A., Cahyani, I. D., Fadila, A., Fajrin, I. A., Marlina, Arrosyid, M. R., Hidayati, S., Ramadhani, R. B., Wahyudi, Fahrezi, Z., & Tristiarto, Y. (2025). Dinamika Kinerja Keuangan Bank. Deepublish.

Gultom, S. A., & Siregar, S. (2022). Penilaian Kesehatan Bank Syariah di Indonesia dengan Metode RGEC. Jurnal Ilmiah Ekonomi Islam, 8(1), 315–327. https://doi.org/10.29040/jiei.v8i1.4593

Linggadjaya, R. I. T., Sitio, B., & Situmorang, P. (2022). Transformasi Digital Pt Bank Jago Tbk dari Bank Konvensional menjadi Bank Digital. International Journal of Digital Entrepreneurship and Business, 3(1), 9–22. https://doi.org/10.52238/ideb.v3i1.76

Matruty, D. J., Fretes, A. V. C. de, & Seipatiseun, M. N. (2025). Analisis Metode RGEC untuk Menilai Kesehatan Bank Artha Graha Priode 2019 – 2022. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(2), 507–512. https://doi.org/10.31004/riggs.v4i2.529

Meythi, Debbianita, & Oktavianti. (2023). Strategi Memahami, Memiliki, dan Memantau Saham Perbankan di Indonesia Bagi Investor Pemula. Penerbit Andi.

Nugraha, M. A. N., Norvadewi, N., & Noni, Y. (2024). Analisis Implementasi Digital Banking dalam Peningkatan Kualitas Layanan pada Nasabah Bank Syariah Indonesia (BSI) KCP Samarinda. Journal of Information Systems Management and Digital Business, 1(3), 314–321. https://doi.org/10.59407/jismdb.v1i3.628

OJK. (2016). Peraturan Otoritas Jasa Keuangan RI No.4/POJK.03/2016 tentang Penilaian Tigkat Kesehatan Bank Umum.

OJK. (2021). Peraturan Otoritas Jasa Keuangan RI No.12/POJK.03/2021 tentang Bank Umum.

Oktawiranti, A., Rahmawati, Achmad, G. N., ZA, S. Z., & Indriastuti, H. (2025). Jejak Digital Keuangan: Memahami Perilaku Pengguna Bank Digital. Deepublish.

Prabawati, N. P. S., Pradnyani, N. D. A., & Suciwati, D. P. (2021). Pengaruh RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital) terhadap Nilai Perusahaan (Studi Kasus Perusahaan Perbankan di BEI 2016-2018) | Jurnal Bisnis dan Kewirausahaan. JBK-Jurnal Bisnis Dan Kewirausahaan. https://ojs.pnb.ac.id/index.php/JBK/article/view/2257

Rachman, A., Rauf, N., Hasan, Y., Muda, T. S., Mandagi, T. L., Rahim, S. P., Bau, S. M., Didipu, N. R., Sompah, H., Lahay, H., Nurkamiden, F. S., & Ibrahim, E. (2025). Pengantar Good Corporate Governance. TOHAR MEDIA.

Riftiasari, D. (2025). Analisis Rasio Keuangan dalam Menilai Tingkat Kesehatan Bank Badan Usaha Milik Negara (BUMN) pada Saat Pandemi Covid-19. Jurnal Informatika Ekonomi Bisnis, 5(2), 390–396. https://doi.org/10.37034/infeb.v5i2.579

Sa’diyah, C., & Widagdo, B. (2022). Financial Distress, Dividend Policy, RGEC, and Earning per Share. Trikonomika, 21(1), 37–45. https://doi.org/10.23969/trikonomika.v21i1.5085

Saputra, R. R. (2024). Teori Dasar Manajemen Perbankan Syariah. CV Brimedia Global.

Sarra, H. D., Mikrad, M., & Sunanto, S. (2022). Analisis Pengaruh Tingkat Kesehatan Bank Menggunakan Metode RGEC terhadap Profitabilitas pada Perusahaan Perbankan Periode 2015-2019. Dynamic Management Journal, 6(2), 110–121. https://doi.org/10.31000/dmj.v6i2.6763

Sugeng, B. (2022). Fundamental Metodologi Penelitian Kuantitatif (Eksplanatif). Deepublish.

Suharbi, M. A., & Margono, H. (2022). Kebutuhan transformasi bank digital Indonesia di era revolusi industri 4.0. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 4(10), 4749–4759. https://doi.org/10.32670/fairvalue.v4i10.1758

Tashakkori, A., & Teddlie, C. (2010). SAGE Handbook of Mixed Methods in Social & Behavioral Research (2nd ed.). SAGE Publications, Inc. https://doi.org/10.4135/9781506335193

Toni, N., & Silvia. (2021). Determinan Nilai Perusahaan. Jakad Media Publishing.