Analisis Tingkat Kesehatan dan Kinerja Keuangan Bank Digital di Indonesia dalam Era Transformasi Digital Berdasarkan Metode RGEC Periode 2021–2025

Visel Westzona, Henri Dwi Wahyudi

Abstract


Penelitian ini bertujuan menganalisis tingkat kesehatan dan kinerja keuangan bank digital di Indonesia dalam era transformasi digital berdasarkan metode RGEC selama periode 2021–2025. Penelitian menggunakan pendekatan kuantitatif dengan desain deskriptif longitudinal pada empat bank, yaitu Bank Jago, Bank Neo Commerce, Allo Bank Indonesia, dan Bank Aladin Syariah. Data sekunder diperoleh dari laporan tahunan dan laporan tata kelola yang dianalisis melalui dokumentasi, perhitungan rasio keuangan, serta penilaian komponen Risk Profile, Good Corporate Governance, Earnings, dan Capital. Kinerja keuangan dievaluasi menggunakan indikator Return on Assets (ROA), Return on Equity (ROE), dan BOPO. Hasil penelitian menunjukkan bahwa tingkat kesehatan bank berada pada Peringkat Komposit (PK) 2 hingga PK 4. Allo Bank Indonesia konsisten pada PK 2, Bank Jago pada PK 3, sedangkan Bank Neo Commerce dan Bank Aladin Syariah mengalami peningkatan peringkat. Efisiensi operasional menjadi pembeda penting profitabilitas antarbank. Fenomena profitability paradox ditemukan pada Bank Neo Commerce dan Bank Aladin Syariah sebelum profitabilitas keduanya membaik. Konvergensi tingkat kesehatan mulai terlihat pada 2024–2025 dan bersifat parsial.

Keywords


Bank Digital, Kinerja Keuangan, Profitabilitas, RGEC, Tingkat Kesehatan Bank.

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DOI: https://doi.org/10.17509/ijdb.v6i1.107362

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