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