Detail Karya Ilmiah

  • ANALISIS KEUANGAN PERBANKAN MENGGUNAKAN METODE YIELD AND RATE PADA BANK PEMERINTAH DI BURSA EFEK INDONESIA
    Penulis : Moh. Tohir
    Dosen Pembimbing I : Dr. Chairul Anam, Drs., Ec., M.Kes
    Dosen Pembimbing II :R. Gatot Heru Pranjoto, SE., MM.
    Abstraksi

    ABSTRAK Menganalisa kinerja keuangan Bank Pemerintah sangat penting untuk mengetahui kinerja keuangannya. Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan bank pemerintah yang terdaftar di Bursa Efek Indonesia (BEI) periode 2009-2013, berdasarkan metode Yield and Rate. Jenis penelitian ini adalah diskriptif. Objek dalam penelitian ini adalah Bank Mandiri, Bank BNI, Bank BRI, dan Bank BTN. Data dan informasi penelian diperoleh dari Bursa Efek Indonesia. Kesimpulan penelitian ini adalah (1) Ditinjau dari rasio Yield On Investmen kinerja keuangan Bank Pemerintah kurang baik. (2) Dari segi Break Even Yields Bank Mandiri, BNI, dan BRI nilai rasionya turun dari tahun ke tahun, sedangkan Bank BTN nilainya berfluktuasi. (3) Hasil perhitungan Biaya Dana kinerja keempat bank baik. (4) Berdasarkan rasio Dana Pihak Ketiga Terhadap Aktiva Produktif nilai Bank Mandiri dan Bank BNI baik, sedangkan Bank BRI dan Bank BTN kurang baik. (5) Berdasarkan Loan To Deposit Ratio (LDR) kinerja Bank Pemerintah baik, kecuali Bank BTN. (6) Dari sisi Margin Bunga, kinerja Bank Pemerintah kurang baik, hanya Bank BRI yang kinerjanya baik. (7) Bank yang memiliki kinerja paling baik adalah Bank BRI, karena Bank BRI sudah hampir memenuhi standard secara keseluruhan, hanya dua rasio yang tidak memenuhi standard yaitu rasio Break Even Yield dan rasio Dana Pihak Ketiga Terhadap Aktiva Produktif. Dari segi profitabilitas Bank BRI paling baik. Kata kunci : Yield and Rate, Bank Pemerintah, Kinerja keuangan.

    Abstraction

    ABSTRACT Analyzing the performance of Government Bank is very important to know its financial performance. The purpose of this research was to determine the financial performance of Government Bank listed on the Indonesia Stock Exchange (IDX) 2009-2013, based on the yield and rate method. This research is descriptive. The object of this research is Bank Mandiri, BNI, BRI, and BTN. Data and information obtained from Indonesia Stock Exchange . The conclusion of this study is (1) In terms of the ratio Yield On Investmen the financial performance of Government Bank is not good. (2) In terms of Break Even Yields of Bank Mandiri, BNI, and BRI the value of the ratio is down from year to year, while BTN value fluctuates. (3)The calculation of Cost Of Fund four banks have good performance. (4) Based on the ratio Third Fund to Productive Assets, the value of Bank Mandiri and Bank BNI is well, while BRI and BTN unfavorable. (5) Based on the loan to deposit ratio (LDR) Government Bank have good performance, except Bank BTN. (6) From the Interest Margin, Government Bank have poor performance, only Bank BRI whose performance is good. (7) Bank which has the best performance is BRI, because BRI is almost reach the standard as a whole, only two did not meet the standard ratio, is the ratio of Break Even Yields and ratios Third Fund to Productive Assets. In terms of profitability Bank BRI is the most good . Keywords: Yield and Rate, Government Banks, Financial Performance.

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