Analisis Pengaruh RGEC Terhadap Financial Distress Bank Umum Syariah di Indonesia

This study aims to analyze the influence of RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) against potential distress financial Islamic Banks in Indonesia from 2011 until 2016. The dependent variable as a variable dummy where 1 codes for Islamic Banks experiencing financial distress and code 0 for Islamic Banks are not experiencing financial distress. Categories of financial distress was measured with a negative net income of at least one year. The independent variable in the form of ratios RGEC health assessment includes a non performing financing, financing to deposit ratio, good corporate governance, return on assets, return on equity, operating expenses to operating income, net reward and capital adequacy ratio. This type of research is quantitative descriptive. Subjects were enrolled Islamic Banks in Bank Indonesia from 2011 until 2016. The sampling technique purposive sampling. The data source of documentation. The data analysis technique is logistic regression. The results showed that the non-performing financing significant positive effect while the return on assets statistically significant negative effect on the probability of distress financial Islamic Banks. Variable financing to deposit ratio, good corporate governance, return on equity, operating expenses to operating income, net yield and capital adequacy ratio does not significantly affect the probability of distress financial Islamic Banks