ANALISIS KINERJA KEUANGAN BANK SETELAH MERGER BERDASARKAN FORMULA CAMEL

• Main Author: Istiqomah, Nurul (Author)
• Format: Book
• Published: 2015-10-28.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata

Summary

Persainganmerupakantantangan yang tidakbisadihindarkan disegalabidang, termasukdiduniaperbankan.Tujuanpersaingantersebutyaituuntukmendapatkan profit.Untukmeningkatkanprofitabilitas, perusahaanharusmemperbaikikinerjakeuangannya.Menjelangkrisismoneterkondisiperbankan Indonesia sudahmenghadapibanyakmasalah.Masalah-masalahtersebutdapatterlihatdarikinerjakeuanganperusahaan yang menurundaritahunketahun.Masalahpenurunankinerjakeuanganpernahdialamijugaolehsalahsatu bank yaitu PT. Bank OCBC NISP padatahun 2011-2014 mengalamipenurunan yang sangatdrastis.Olehkarenaitu, perludilakukan merger untukmeningkatkankinerjasebuah bank, dandapatmenghasilkankinerja yang lebihbaiklagi. Penelitianinibertujuanuntukuntukmemperolehinformasitentanggambarankinerjakeuanganpada PT.OCBC NISP setelah merger.ObjekpenelitianiniadalahlaporankeuanganPT.Bank OCBC NISP periode2011-2014, jenispenelitianiniadalahtimes series designdenganmetodepenelitiandeskriptif. Hasilpenelitianmenunjukkanbahwakinerjakeuangan yang diukurdenganrasio CAMEL yaituCapita Adquacy Ratio (CAR), Non Performing Loan (NPL), Return on Assets (ROA),Return on Equity (ROE), BebanOperasional/PendapatanOperasional (BOPO)danLoan to Deposit Ratio (LDR) masing-masingcenderungmengalamipeningkatan, meskipunmasihada yang berada di bawahstandarketentuan BIsepertipada ROA, dan LDR yang dalamketentuanstandar BI yaitu ROA 1,5%, dan LDR 85% -110% meskimengalamikenaikantetapimasihdikatakanbelummencapaistandar. Kata Kunci : Merger, KinerjaKeuanagn, CAR, NPL, ROA, ROE, BOPO, LDR Competitionis a challengethat can not beavoidedinall fields, includingbankingfield. Thecompetitiongoalis tomake a profit. To improveprofitability, the companymustimproveits financial performance. To face the monetarycrisisIndonesiabanking conditionshas beenfacing many problems. These problemscanbe seenfromthe company's financialperformancedeclined fromevery year. Financialperformance declinationproblemseverexperienced byone of the banks, PT. BankOCBCNISPin2011-2014decreaseddrastically. Therefore, themergerneeds to be donetoimprove theperformance of abank, andcanproducea betterperformance. This studyaimedtoobtaininformationabout thefinancial performancePT.OCBCNISPaftermerger. The objectof this research isfinancial reports ofPT.BankOCBCNISPperiod2011-2014,kind of the researchis times seriesdesignwithdescriptive research method. The results showedthat thefinancial performanceas measuredby ratio ofCAMELisCapitaAdquacyRatio (CAR), Non Performing Loan(NPL), Return on Assets(ROA), Return on Equity(ROE) Operating Expenses/Operating Income(ROA) andLoanto DepositRatio (LDR) eachtends to increase,althoughstillunderBIstandardprovisionssuch astheROA, andLDRin theBIstandard provisionsthatROA1.5%, andLDR85% -110% despite asaidthe risebut stillnotup to standard. Keywords: Mergers, Financialperformance, CAR, NPL, ROA, ROE, BOPO, LDR.

Item Description

http://repository.upi.edu/19458/1/S_MBS_1105761_Title.pdf
http://repository.upi.edu/19458/2/S_MBS_1105761_Abstract.pdf
http://repository.upi.edu/19458/3/S_MBS_1105761_Table_of_content.pdf
http://repository.upi.edu/19458/4/S_MBS_1105761_Chapter1.pdf
http://repository.upi.edu/19458/5/S_MBS_1105761_Chapter2.pdf
http://repository.upi.edu/19458/6/S_MBS_1105761_Chapter3.pdf
http://repository.upi.edu/19458/7/S_MBS_1105761_Chapter4.pdf
http://repository.upi.edu/19458/8/S_MBS_1105761_Chapter5.pdf
http://repository.upi.edu/19458/9/S_MBS_1105761_Bibliography.pdf
http://repository.upi.edu/19458/10/S_MBS_1105761_Appendix1.pdf
http://repository.upi.edu/19458/11/S_MBS_1105761_Appendix2.pdf