ANALISIS KINERJA KEUANGAN BANK SETELAH MERGER BERDASARKAN FORMULA CAMEL

Istiqomah, Nurul (2015) ANALISIS KINERJA KEUANGAN BANK SETELAH MERGER BERDASARKAN FORMULA CAMEL. S1 thesis, Universitas Pendidikan Indonesia.

Abstract

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.

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Item Type:	Thesis (S1)
Additional Information:	No. Panggil: S_MBS_IST a-2015; Pembimbing : I.Ahim Surachim, II. Heraeini Tanuatmodjo
Uncontrolled Keywords:	Merger, KinerjaKeuanagn, CAR, NPL, ROA, ROE, BOPO, LDR
Subjects:	H Social Sciences > HD Industries. Land use. Labor H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management
Divisions:	Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Manajemen Bisnis
Depositing User:	Mr. Cahya Mulyana
Date Deposited:	04 Mar 2016 02:44
Last Modified:	04 Mar 2016 02:44
URI:	http://repository.upi.edu/id/eprint/19458

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