Warahmah, Mawaddatan (2014) ANALISIS KINERJA KEUANGAN PERBANKAN SEBELUM DAN SETELAH MERGER. Other thesis, UPN "Veteran" Yogyakarta.
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Abstract
ABSTRACT
The purpose of this research is to analyse the different of the financial
performance before and after the merger of the bank which is listed on the
Indonesia Stock Exchange with using CAMELS ratio which are Capital Adequity
Ratio (CAR), Non Performing Loan (NPL), Net Profit Margin (NPM), Gross
Profit Margin (GPM) dan Net Income on Total Assets (NITA), Return on Assets
(ROA), Return on Equity (ROE) dan Net Interest Margin (NIM), Loan to Deposit
Rate (LDR), Net Open Position (PDN). The research period is 2002-2012. Study
using purposive sampling method in the collection of samples, so we get six
merging banks are Permata Bank, Mutiara Bank, Artha Graha International
Bank, Windu Kentjana International Bank, CIMB Niaga Bank, and OCBC NISP
Bank.
The analysis used in the research is even study which the bank use the
publication date not the effective date of the merger. It is used financial report
two years pre and post merger. Hypothesis was procesed by using non
parametrict test different of Two Related Samples Test by the Wilcoxon Test. The
result showed that the ratio of two ratio of ten that have significant differences are
Capital Adequacy Ratio (CAR), Non Performing Loan (NPL). But CAR, NITA,
and ROE are decreased financial performance, while NPL, NPM, GPM, ROE,
NIM, LDR, and PDN are increasing financial performance.
Keywords: Financial Performance, CAMELS, Banking, Merger.
ABSTRAK
Penelitian ini bertujuan untuk menganalisis perbedaan kinerja keuangan
perbankan yang terdaftar di Bursa Efek Indonesia dengan menggunakan rasio
keuangan bank yang mengacu pada rasio CAMELS yaitu Capital Adequity Ratio
(CAR), Non Performing Loan (NPL), Net Profit Margin (NPM), Gross Profit
Margin (GPM) dan Net Income on Total Assets (NITA), Return on Assets (ROA),
Return on Equity (ROE) dan Net Interest Margin (NIM), Loan to Deposit Rate
(LDR), Posisi Devisa Netto (PDN). Periode penelitian yang digunakan adalah
2002-2012. Penelitian menggunakan metode Purposive Sampling dalam
pengumpulan sampel, sehingga didapatkan enam bank yang melakukan merger
yaitu: Bank Permata, Bank Mutiara, Bank Artha Graha Internasional, Bank
Windu Kentjana Internasional, Bank CIMB Niaga, dan Bank OCBC NISP.
Analisis yang digunakan dalam penelitian ini adalah berupa studi peristiwa
dimana menggunakan tanggal publikasi bank yang merger bukan tanggal
efektifnya. Data keuangan yang digunakan data keuangan dua tahun sebelum dan
dua tahun setelah merger. Pengujian hipotesis yang digunakan adalah uji beda non
parametrik Two Related Sample Test dengan uji Wilcoxon. Hasil penelitian
menunjukkan bahwa dari sepuluh rasio yang digunakan hanya rasio Capital
Adequacy Ratio (CAR), Non Performing Loan (NPL) yang mempunyai perbedaan
yang signifikan. Tetapi rasio CAR, NITA, dan ROE mengalami penurunan kinerja
keuangan sedangkan rasio NPL, NPM, GPM, ROE, NIM, LDR, dan PDN
mengalami peningkatan kinerja keuangan setelah merger.
Kata Kunci: Kinerja Keuangan, CAMELS, Perbankan, Merger.
| Item Type: | Thesis (Other) |
|---|---|
| Subjek: | H Social Sciences > HG Finance |
| Divisions: | x. Faculty of Law, Arts and Social Sciences > School of Social Sciences |
| Depositing User: | Ratna Sufiatin |
| Date Deposited: | 06 Oct 2016 01:38 |
| Last Modified: | 06 Oct 2016 01:38 |
| URI: | http://eprints.upnyk.ac.id/id/eprint/7349 |
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