%A SARIAH SARIAH
%D 2025
%O Penelitian ini bertujuan untuk mengevaluasi tingkat kesehatan keuangan PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (Bank BJB) periode 2020-2023 berdasarkan analisis rasio keuangan sesuai standar Otoritas Jasa Keuangan (OJK). Analisis mencakup Loan to Deposit Ratio (LDR), Cash Ratio (CR), Return on Aset (ROA), dan Beban Operasional terhadap Pendapatan Operasional (BOPO). Hasil penelitian menunjukkan bahwa Bank BJB berada dalam kondisi keuangan yang sehat. Rasio LDR yang berkisar antara 80%-92% dan Cash Ratio di atas 4% menunjukkan kemampuan bank dalam menjaga likuiditas sesuai standar. Profitabilitas yang diukur melalui ROA juga konsisten di atas 1,5%, mencerminkan kinerja yang memadai, sedangkan efisiensi operasional yang tercermin dari BOPO berada pada kisaran 74%-83%, di bawah batas maksimum 85%. Meskipun demikian, fluktuasi laba bersih akibat tekanan ekonomi global tetap menjadi tantangan. Secara keseluruhan, Bank BJB dinyatakan sehat selama periode penelitian dengan kinerja yang stabil dan memenuhi standar kesehatan perbankan.
%L eprintuntirta49945
%T ANALISIS RASIO KEUANGAN DALAM KINERJA KEUANGAN PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TBK. PERIODE 2020-2023.
%K Bank Health Level, BJB Bank, Financial Ratio Analysis, Liquidity,
Profitability, Operational Efficiency
Tingkat Kesehatan Bank, Bank BJB, Analisis Rasio Keuangan,
Likuiditas, Profitabilitas, Efisiensi Operasional.
%X This research aims to evaluate the level of financial health of PT. West Java and Banten Regional Development Bank Tbk (Bank BJB) for the 2020-2023 period based on financial ratio analysis according to Financial Services Authority (OJK) standards. Analysis includes Loan to Deposit Ratio (LDR), Cash Ratio (CR), Return on Assets (ROA), and Operating Expenses to Operating Income (BOPO). The research results show that Bank BJB is in a healthy financial condition. LDR ratios ranging between 80%-92% and Cash Ratios above 4% indicate the bank's ability to maintain liquidity according to standards. Profitability as measured through ROA is also consistently above 1.5%, reflecting adequate performance, while operational efficiency as reflected in BOPO is in the range of 74%-83%, below the maximum limit of 85%. However, fluctuations in net profit due to global economic pressures remain a challenge. Overall, Bank BJB was declared healthy during the research period with stable performance and meeting banking health standards.
%I UNIVERSITAS SULTAN AGENG TIRTAYASA