Wibowo, Dimas Hary and Ajeng Kartika Galuh,, SE., ME. (2022) Perbandingan Kinerja Perbankan Melalui Rasio Keuangan Berdasarkan Aspek Risk Profile, Earnings, Dan Capital Sebelum Dan Selama Pandemi Covid-19 (Studi Pada Bank Bumn Konvensional). Sarjana thesis, Universitas Brawijaya.
Abstract
Rasio keuangan sebagai indikator kinerja bank, pada bank BUMN konvensional memperlihatkan bahwa terdapat perbedaan kinerja antara sebelum dan selama pandemi Covid-19. Penelitian ini bertujuan guna melihat apakah terdapat bank BUMN konvensional yang memiliki perbedaan kinerja yang signifikan antara sebelum dan selama pandemi Covid-19, yang dilihat melalui rasio keuangan. Rasio keuangan Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) sebagai proyeksi dari aspek Risk Profile, Return on Asset (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) sebagai proyeksi dari aspek Earning, serta Capital Adequacy Ratio (CAR) sebagai proyeksi dari aspek Capital. Metode analisis data yang digunakan ialah uji beda menggunakan Paired Sample t Test dan Wilcoxon Signed Ranks Test. Hasil penelitian menunjukkan bahwa terdapat penurunan kinerja berdasarkan aspek Risk Profile, Earning, serta Capital pada bank BUMN konvensional. Dari hasil analisis data juga didapatkan bahwa bank Mandiri menunjukkan perbedaan NPL, LDR, ROA, ROE, NIM, dan CAR yang signifikan, pada bank BRI menunjukkan perbedaan NPL, LDR, ROA, dan ROE yang signifikan, bank BNI menunjukkan perbedaan NPL, LDR, ROA, ROE, dan NIM yang signifikan, serta pada bank BTN menunjukkan perbedaan LDR, ROA, dan CAR yang signifikan.
English Abstract
Financial ratios as an indicator of bank performance, in conventional state-owned banks show differences in performance between before and during the Covid-19 pandemic. This study aims to see whether there are conventional state-owned banks that have significant differences in performance between before and during the Covid-19 pandemic, as seen through the financial ratios. Financial ratios Non Performing Loan (NPL) and Loan to Deposit Ratios (LDR) as a projection from the Risk Profile aspect, Return on Asset (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) as a projection from the Earnings aspect, as well as the Capital Adequacy Ratio (CAR) as a projection from the Capital aspect. The data analysis method is a different test used Paired Sample t-Test and Wilcoxon Signed Ranks Test. The study results indicate a decrease in performance based on aspects of Risk Profile, Earnings, and Capital in conventional state-owned banks. From the results of data analysis, it was also found that bank Mandiri showed significant differences in NPL, LDR, ROA, ROE, NIM, and CAR, bank BRI showed significant differences in NPL, LDR, ROA, and ROE, bank BNI showed significant differences in NPL, LDR, ROA, ROE, and NIM, as well as at bank BTN showed significant differences in LDR, ROA, and CAR.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0522020088 |
| Uncontrolled Keywords: | Bank BUMN, Capital, Earnings, Kinerja Bank, Risk Profile, Bank Performance, Capital, Earnings, Risk Profile, State-Owned Banks |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 08 Nov 2022 02:16 |
| Last Modified: | 08 Nov 2022 02:16 |
| URI: | http://repository.ub.ac.id/id/eprint/196194 |
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