QUMAIRA, SUNIA HEDY (2018) ANALISIS PERBANDINGAN TINGKAT KESEHATAN BANK MELALUI PENDEKATAN CAPITAL (CAR), RISK PROFILE (NPL & LDR), DAN EARNINGS (ROA & NIM) PADA BANK KONVENSIONAL BUMN DAN BANK SWASTA NASIONAL. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
The purpose of this research was to analyze the comparison of the soundness level of state-owned public banking with private-owned banking in Indonesia during the period 2012-2016. This research was conducted using the Capital approach with CAR ratio, Risk Profile with NPL & LDR ratios, and Earnings with ROA & NIM ratios. This study uses data from each bank's financial statements published on the official website of Otoritas Jasa Keuangan. The sample of this study amounted to 8 banks consisting of 4 state-owned banks and 4 private banks. Normality testing uses the Kolmogorov-Smirnov test and hypothesis testing using the Independent t-test also Mann-Whitney test U-test. From the results of this study it is known that there are significant differences in ROA & NIM ratios, while there is no significant difference in the CAR, NPL & LDR ratios. Whereas, based on the average CAR, NIM and ROA, state-owned banking is better at a level of soundness compared to private-owned banks, and the NPL & LDR ratio of private-owned banks is better than the state-owned banking. Keyword: bank, comparison, capital, risk, earnings Penelitian ini bertujuan untuk menganalisis perbandingan tingkat kesehatan perbankan umum milik negara dengan perbankan milik swasta di Indonesia selama periode tahun 2012-2016. Penelitian ini dilakukan menggunakan pendekatan Capital dengan rasio CAR, Risk Profile dengan rasio NPL & LDR, serta Earnings dengan rasio ROA & NIM. Penelitian ini menggunakan data dari laporan keuangan masing-masing perbankan yang dipublikasikan pada situs resmi Otoritas Jasa Keuangan. Sampel penelitian ini berjumlah 8 perbankan yang terdiri dari 4 perbankan milik negara dan 4 perbankan milik swasta. Pengujian normalitas menggunakan uji Kolmogorov-Smirnov dan uji hipotesis menggunakan uji Independent t-test serta Mann-Whitney U-test. Dari hasil penelitian ini diketahui bahwa terdapat perbedaan yang signifikan pada rasio ROA & NIM, sedangangkan pada rasio CAR, NPL, & LDR tidak terdapat perbedaan yang signifikan. Sedangkan berdasarkan rata-rata CAR, NIM dan ROA perbankan milik negara lebih baik tingkat kesehatannya dibandingkan dengan perbankan milik swasta, dan pada rasio NPL & LDR perbankan milik swasta lebih baik tingkat kesehatannya dibandingkan dengan perbankan milik negara. Kata Kunci: bank, komparasi, capital, risk, earnings
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