Qualitative Study on Bank Health Perception in PT BPD Bali
Keywords:
Bank governance, Financial performance, Perceived bank health, Regional development bank, Stakeholder perceptionAbstract
This study explores stakeholder perceptions of bank health in the context of PT Bank Pembangunan Daerah Bali (BPD Bali), focusing on how financial, managerial, relational, and cultural dimensions shape the perceived soundness of a regional banking institution. The study examines how these perceptions reflect broader socio institutional realities and influence trust, legitimacy, and institutional sustainability. A phenomenological qualitative study was conducted using purposive sampling. Data were collected through in depth semi structured interviews and supported by a qualitative document analysis of the official 2024 Annual Report of PT BPD Bali to contextualize stakeholder narratives with institutional performance metrics and regulatory evaluations. Interview transcripts were analyzed using open and axial coding techniques to identify thematic patterns. Triangulation with findings from the Annual Report ensured consistency between stakeholder perspectives and documented institutional data, enhancing the depth and credibility of the analysis. The findings reveal that stakeholders perceive PT BPD Bali as a financially sound, professionally managed, and culturally embedded institution. While financial indicators such as ROA, CAR, and NPL confirm technical soundness, perceptions are primarily shaped by relational trust, consistent governance, and alignment with local values and regional development missions. The congruence between formal evaluations and stakeholder interpretations underscores the importance of institutional legitimacy in defining bank health. Based on the results, the study proposes a multidimensional perspective of bank health that integrates formal performance assessments with stakeholder perceptions and socio cultural embeddedness. This perspective contributes to the development of a more comprehensive and contextually relevant framework for evaluating the sustainability of regional financial institutions in Indonesia.Downloads
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References
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Frederich, R., & Syafri, S. (2024). Tingkat kesehatan bank yang terdaftar dalam indeks Infobank15 tahun 2019–2022. Jurnal Ekonomi Manajemen Perbankan, 6(2), 109–119.
Hasan, H., Bora, M. A., Afriani, D., Artiani, L. E., Puspitasari, R., Susilawati, A., ... & Hakim, A. R. (2025). Metode penelitian kualitatif. Yayasan Tri Edukasi Ilmiah.
Ma’bad, N. L., Ekaningsih, L. A. F., & Mustafidah, W. (2024, December). Analysis of health level at Bank Muamalat Indonesia TBK using RBBR (Risk-Based Bank Rating) method. In Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA) (Vol. 2, pp. 1879–1886).
Muntaqiah, K., & Akhmadi, A. (2024). Banking financial performance as influenced by credit risk, liquidity and bank size in conventional banks listed on the Indonesian Stock Exchange for the period 2014–2023. Indonesian Journal of Innovation Multidisipliner Research, 2(4), 149–160.
Pratiwi, S. E., & Sulhan, M. (2024). The influence of bank health level using the RGEC method on firm value is moderate by company size. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 7(2), 3065–3082.
Rahmiani, R., BL, R., & Sukmawati, S. (2024). Analysis of Islamic banking health using the CAMEL method (case study on Bank Victoria Syariah and Bank Panin Dubai Syariah 2018–2022). Southeast Asia Journal of Business, Accounting, and Entrepreneurship, 2(1), 35–43.
Sari, A. D. N., Dahliani, Y., & Edi, B. Q. R. (2024). Comparative analysis of bank health level using RGEC method during and post COVID-19 pandemic. Journal of Economic, Management, Business, and Accounting Research, 2(2), 126–137.
Suhartini, N., & Awaliah, S. F. N. (2023). Health analysis of private banks during the COVID-19 pandemic with the RGEC approach. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 13(1), 127–142.
Sumantri, M. B. A., & Suwarna, A. (2023). The influence of banking health indicators on profitability for the 2017–2020 period in Indonesia. International Journal of Asia Pasific Collaboration, 1(2), 66–71.
Yudawisastra, H., Sumantri, M. B. A., & Suwarna, A. (2023). THE INFLUENCE OF BANKING HEALTH INDICATORS ON PROFITABILITY FOR THE 2017-2020 PERIOD IN INDONESIA. International Journal of Asia Pasific Collaboration, 1(2), 66-71.
Zebua, C. S. R., Handayani, Y. I., & Ilmi, M. (2024, September). Analysis of bank health levels using the RGEC approach on company value of digital banks registered with the Financial Services Authority (OJK). In Proceeding International Conference on Economics, Business and Information Technology (ICEBIT) (Vol. 5, pp. 289–300).
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Published
2025-07-31
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Qualitative Study on Bank Health Perception in PT BPD Bali. (2025). Proceeding of International Conference on Economics, Technology, Management, Accounting, Education, and Social Science (ICETEA), 1, 752-763. https://conference.unita.ac.id/index.php/icetea/article/view/419
