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This study aims to evaluate the financial condition of four private banks, namely Bank Mega, Bank JTrust, Bank Danamon, and Bank Panin listed on the Indonesia Stock Exchange during the period 2015 to 2024. The analysis uses the Risk-Based Bank Rating (RBBR) approach with a quantitative method, where the data source is derived from published annual financial statements. The sampling technique was carried out by purposive sampling with the criteria of financial statements available for the last 10 years and the fluctuations in profits in the last three years. The bank's health assessment is carried out through four main aspects. First, the risk profile is measured using non-performing loan (NPL) ratios and liquidity levels through the Loan to Deposit Ratio (LDR). Second, Good Corporate Governance (GCG) is evaluated based on regulatory compliance and transparency reporting. Third, profitability which includes the return on asset ratio (ROA) and net interest margin (Net Interest Margin / NIM). Fourth, the capital aspect is analyzed through the Capital Adequacy Ratio (CAR). The results of the study show that in general, the four banks are in a healthy condition, especially in terms of capital and governance, which reflects the bank's ability to meet the minimum capital requirements and maintain management practices in accordance with banking industry standards. However, significant differences were found in the risk and profitability aspects. Banks that have less than optimal risk management tend to experience an increase in NPLs, while banks that are more efficient in managing operational costs are able to maintain ROA and NIM at a more stable level. In addition, external factors such as global economic conditions, monetary policy, interest rates, and interbank competition also affect financial performance.

Vastenburg Fort is a cultural heritage area that has been designated by the Department of Culture and Tourism in 2010. In line with this designation, the City Government changed the spatial plan of Surakarta City by revising the Regional Regulation related to the regional spatial plan. In addition, the land status in the Vastenburg Fort area is divided into building use rights granted to the private sector. Even so, the City Government managed to obtain the former HGB land No. 383 which was designated as a Public Service Mall. The change in designation as a Public Service Mall is considered to reflect the need to adjust to the spatial plan in Surakarta City. However, the purpose of spatial planning in the Vastenburg Fort area should be designated for the preservation of cultural heritage. The purpose of this study is to find legal certainty arising from the conversion of former HGB land into a Public Service Mall by the Solo City Government. This study uses an empirical legal studies. The results of this study indicate that the conversion of former HGB land No. 383 in the Vastenburg Fort area by the Surakarta City Government is in accordance with the legislation. As for the City Government, the land is designated for the Public Service Mall in accordance with the spatial plan in Surakarta City in the Surakarta City RTRW Regional Regulation for the preservation of cultural heritage. However, the Surakarta City Government has not yet maximized the acquisition of HGB in the Vastenburg Fort area so that the use of land in the area is more optimal so that it benefits the entire community.

This research is motivated by the existence of a high level of public trust in banking is closely related to the assessment of banking performance in terms of liquidity ratio analysis. The purpose of the study is to determine the level of bank liquidity and what policies will be carried out by banks against the ratio results. The method used in the research is the literature review method with data in the form of references to evaluate liquidity ratios in banking. The results obtained in this study from Table RQ1 the types of liquidity ratios that are often used in measuring the level of banking liquidity are the quick ratio and cash ratio. While Table RQ2 the advice that can be given is that banks must be able to pay attention and evaluate their assets. So it can be concluded that in general the types of liquidity ratios that are often used to calculate the level of bank liquidity are the quick ratio and cash ratio and further banking policy suggestions to use more diverse types of liquidity ratios. Ajmadayana, C. P., Akmalia, Z., & Hasibuan, A. F. (2022). Analisis Rasio Likuiditas dan Solvabilitas pada Bank Muamalat Indonesia Periode 2019-2020. Jurnal Ekobistek, Volume 11 No.3, 179-185. Fathurrahman. (2022, March). Banking Perfomance Analysis Based On Liquidity Ratio. Nusantara Hasana Journal, Vol.1 No.10, 141-145. Harahap, & Safitri, S. (2015). Analisis Kritis Atas Laporan Keuangan. Jakarta: PT. Rajagrafindo Persada. Harianto, S. (2017). Rasio Keuangan dan Pengaruhnya Terhadap Profitabilitas Pada Bank Pembiayaan Rakyat Syariah di Indonesia. Jurnal Bisnis dan Manajemen, 41-48. Iryani, L. D., & Herlina. (2015). Analisis Rasio Likuiditas, Solvabilitas, dan Profitabilitas dalam Mendukung Pembiayaan pada PT. Bank Danamon Indonesia, Tbk. Jurnal Ilmiah Akuntansi Fakultas Ekonomi, Volume 1 No. 2, 32-40. Jumingan. (2006). Analisis Laporan Keuangan. Jakarta: Bumi Aksara. Kasmir. (2015). Bank dan Lembaga Keuangan Lainnya. Jakarta: PT Raja Grafindo Persada. Kasmir. (2017). Analisis Laporan Keuangan. Jakarta: PT. Rajagfrindo Persada. Khotimah, I. C. (2021). Analisis Dampak Pandemi Covid-19 Bagi Rasio Likuiditas Bank Bukopin Syariah. Jurnal LARIBA Jurnaal Perbankan Syariah, Vol. 2 No. 02, 28-41. Masita, N., Hariatih, & Nianty, D. A. (2023). Analisis Kinerja Keuangan Menggunakan Rasio Likuiditas dan Profitabilitas pada PT. Bank Rakyat Indonesia (Persero) Tbk. Jurnal Manajemen dan Akuntansi, Vol. 1 No. 2, 203-214. Nurul, Suharti, T., & Nuhayati, I. (2020, Mei). Analisis Kinerja Keuangan Berdasarkan Rasio Likuiditas, Solvabilitas, dan Rentabilitas Pada Sektor Perbankan. Jurnal Ilmu Manajemen, Vol.3 No.2, 146-159. Ottay, M. C., & Alexander, S. W. (2015). Analisis Laporan Keuangan Untuk Menilai Kinerja Keuangan Pada PT. BPR Citra Dumoga Manado. Jurnal EMBA, Volume 3 No.1, 923-932. Pangemanan, I. W., Karamoy, H., & Kalalo, M. (2017). Analisis Rasio Likuiditas, Leverage dan Profitabilitas Untuk Menilai Kinerja Keuangan Pada PT. Bank Central Asia, Tbk. Cabang Manado. Jurnal Riset Akuntansi Going Concern, Volume 12 No. 2, 25-34. Permana, I. S., Halim, R. C., Nenti, S., & Zein, R. N. (2022). Analisis Rasio Likuiditas, Solvabilitas, dan Profitabilitas dalam Mendukung Pembiayaan pada PT. Bank Danamon Indonesia, Tbk. Jurnal Aktiva: Riset Akuntasi dan Keuangan, Volume 3 No.3, 132-139. Ramadhanty, T. N., Musriha, & Noviandri, I. (2021). Analisis Rasio Keuangan terhadap Kinerja Keuangan pada PT.Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Jurnal Ekonomi dan Bisnis, Volume 1 Nomor 3, 183-188. Setia, I., Clasissa, R., Nenti, S., & Zein, R. N. (2022). Analisis Kinerja Keuangan dengan Menggunakan Rasio Likuiditas, Solvabilitas, dan Profitabilitas pada PT. Bank BNI (Persero) Tbk. Jurnal Aktiva: Riset Akuntansi dan Keuangan, Vol.3 No.3, 132-139. Sihombing, C., Damanik, E. O., & Sriwiyanti, E. (2019). Pengaruh Rasio Likuiditas Terhadap Kinerja Keuangan Pada PT. Bank Perkreditan Rakyat Eka Prasetya Pematangsiantar. Jurnal of Accounting USI, Volume 1 No. 1, 12-22.  

The purpose of this research is to find out what factors in financial performance influence the growth of profitability at Bank Danamon and to find out whether company size at Bank Danamon can affect the growth of profitability at Bank Danamon. In conducting this research, the researcher was guided by previous studies and the research method used in this method was quantitative research and for the validity of the data, the researcher took samples from the official Danamon bank financial reports that had been published and had been processed by the researcher. The results of the analysis in this study show that the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and company size have a significant positive influence on bank Danamon TBK's profitability, while Net Interest Margin (NIM) and BOPO have no effect on the profitability of bank Danamon Tbk.

This study aims to see how the difference in financial performance between state-owned banks and national private banks through analysis from 2019 to 2022, using the RGEC approach to measure the level of bank health and the Zmijewski model to measure financial distress. With descriptive and comparative research types, as well as a quantitative approach, secondary data from four state-owned banks (Mandiri, BRI, BNI, BTN) and four private banks (BCA, CIMB, Danamon, Permata) were used. The analysis shows that private banks and state-owned banks do not have significantly different health levels in terms of risk profile (LDR and NPL), GCG, and earnings (NIM, ROA, BOPO). However, there are differences in the capital aspect (CAR). Overall, based on the Zmijewski X-score method, between private banks and state-owned banks do not have significantly different financial distress conditions. In conclusion, from 2019 to 2022, both state-owned banks and private banks show healthy financial conditions. Even though there are differences in the capital aspect, the overall health of state-owned banks is not significantly different from private banks.

Penelitian ini bertujuan untuk mendeskripsikan jenis risiko dan bagaimana proses Enterprise Risk Management (ERM) pada Bank Danamon terhadap aktivitas pada perusahaan tersebut. Metode penelitian ini menggunakan metode pengamatan (observation research) yang diambil langsung dari hasil pengamatan terhadap objek yang diteliti yakni dengan peninjauan langsung ke Bank Danamon. Hasil penelitian ini membuktikaan bahwa Bank Danamon membentuk risk management yang berperan untuk memantau keseluruhan bank atas risiko kredit, market, likuiditas dan juga operasional. Dan bank Danamon memiliki prinsip bahwa memandang seluruh risiko - risiko secara terkonsolidasi dan mengelola keseluruhan dengan mempertimbangkan kemungkinan antara risiko satu dengan risiko yang lainnya. Kata kunci: Risiko, Enterprise Risk Management (ERM), Bank Danamon

Pembiayaan dengan akad Ijarah Al Muntahiya Bit Tamlik tentunya tidak terlepas dari risiko-risiko yang akan timbul yakni pembiayaan bermasalah atau penundaan pembayaran yang dapat  mengakibatkan kerugian bagi pihak bank. Agar Bank tidak mengalami kerugian secara terus menerus dan nasabah membayar angsuran sesuai dengan kesepakatan disaat awal akad pihak bank melakukan berbagai strategi dan kebijakan untuk menghindari adanya wanprestasi dari para nasabah. Nasabah yang melakukan wanprestasi seperti menunda-nunda angsuran pembiayaan yang sebenarnya mampu untuk membayarnya maka akan dikenakan sanksi sesuai dengan fatwa DSN-MUI No.17 Tahun 2000 yaitu dengan sanksi Ta’zir. Bank Danamon Syariah Cabang Denpasar telah mengimplementasikan Ta’zir tersebut terhadap nasabahnya yang melakukan penundaan pembayaran angsuran terutama pada pembiayaan Ijarah Muntahiyah Bit Tamlik. Pembiayaan Ijarah Al Muntahiya Bit Tamlik pada bank tersebut merupakan pembiayaan sewa yang diakhiri dengan pemindahan kepemilikan barang atau sejenis perpaduan antara kontrak jual beli dan sewa atau lebih tepatnya akad sewa yang diakhiri dengan kepemilikan barang.

Tujuan penelitian ini adalah untuk mengetahui implementasi akad musyarakah mutanaqisah pada pembiayaan kredit pemilikan rumah (KPR) syariah di Bank Danamon Syariah Kantor Cabang Gunung Agung Denpasar. Untuk mengetahui manfaat pada akad musyarakah mutanaqisah pembiayaan kredit pemilikan rumah (KPR) syariah di Bank Danamon Syariah Kantor Cabang Gunung Agung Denpasar. Untuk mengetahui kendala pada akad musyarakah mutanaqisah pada pembiayaan kredit pemilikan rumah (KPR) syariah di Bank Danamon Kantor Cabang Gunung Agung Denpasar. Penelitian ini menggunakan penelitian kualitatif deskriptif, dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Analisis data model Miles dan Huberman dengan teknik analisis data dengan reduksi data, display data, dan verifikasi. Hasil penelitian implementasi akad Musyarakah mutanaqisah pada pembiayaan KPR syariah berjalan sesuai dengan fatwa DSN. Serta sangat bermanfaat untuk memenuhi kebutuhan masyarakat dalam memiliki rumah. Namun perlu ditinjau kembali terhadap berkas-berkas yang masih belum di revisi dengan teliti karna diberlakukan sistem DBLM (Dual Banking Level Model) serta perlu dilakukan sosialisasi kepada nasabah agar minat nasabah meningkat.