Analisis Komprehensif Kinerja dan Tingkat Kesehatan Bank Syariah: Integrasi Metode MaxDEA, Z-Score, dan RGEC pada BTPN Syariah Periode 2020–2024
DOI:
https://doi.org/10.30640/ekonomika45.v13i2.6831Keywords:
Altman Z-Score, Bank Stability, Data Envelopment Analysis, Islamic Bank, RGEC.Abstract
This study aims to analyze the health level, efficiency, stability, and bankruptcy risk of Bank BTPN Syariah during the 2020–2024 period. The assessment of bank health was conducted using the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) method. Efficiency analysis was measured using the Data Envelopment Analysis (DEA) method with an input-oriented approach through MaxDEA software. Furthermore, bank stability was analyzed using the stability Z-Score, while bankruptcy prediction was examined using the modified Altman Z-Score method. The data used in this study were secondary data obtained from the annual financial statements of Bank BTPN Syariah. The results show that Bank BTPN Syariah was classified as very healthy to healthy based on the RGEC method. The DEA analysis indicates that the bank was generally efficient, except in 2021, when it experienced relative inefficiency. The stability analysis shows that the bank was in a fairly stable category, while the bankruptcy analysis indicates that Bank BTPN Syariah remained in the safe zone throughout the research period. These findings suggest that Bank BTPN Syariah has good performance, operational efficiency, and adequate financial resilience.
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Copyright (c) 2026 Muhammad Syaiful Ridwan, Umiyati Umiyati, Hirzi Muhammad Hafiz, Dzakwan Panca Sakti Prakoso
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