Pengaruh Tingkat Kesehatan Bank dengan Metode Risk Profile, Good Corporate Governance, Earning dan Capital Terhadap Kinerja Keuangan Bank Digital Indonesia

Abstract

This study aims to determine and analyze the effect of bank health levels using the RGEC method (Risk Profile, Good Corporate Governance, Earning, and Capital) on the financial performance of digital banks registered with the Financial Services Authority (OJK) as measured by Return on Assets (ROA). This research uses a quantitative approach with the type of data used is explanatory research. Data was obtained from the financial statements of 10 digital banks during the 2021-2023 period, resulting in a total of 30 data points of observation. The research method used is descriptive analysis and panel data regression. The results showed that partially, BOPO had a negative and significant effect on ROA, while CAR had a positive and significant effect on ROA. Other variables such as NPL, LDR, Institutional Ownership, Independent Commissioner, Audit Committee, and NIM have no significant effect on ROA. Simultaneously, all independent variables in this study have a significant influence on ROA in digital banks in Indonesia.