ANALISIS KINERJA KEUANGAN SEBELUM DAN SESUDAH KRISIS GLOBAL 2008 BANK REKAPITALISASI DAN NON REKAPITALISASI TAHUN 1998
| Main Authors: | , Meity Temmy Carol Pandegirot, , Dr. Sony Warsono, MAFIS., Ak. |
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| Format: | Thesis NonPeerReviewed |
| Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 2014
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| Subjects: | |
| Online Access: |
https://repository.ugm.ac.id/133535/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=74235 |
Daftar Isi:
- One of the Indonesian government policy is doing banking recapitalization program in 1998, with the aim to save banking from global crisis of 1997. In the year 2008 there was another global crisis that also affected the liquidation of Indonesia banking, both in the bank recapitalization and nonrecapitalization. The purpose of this study to see the ability of Indonesia banking to anticipate the global crisis that can happen any time and unexpected, so the bank can maintain the liquidity and obtain trust of the public to operate long term. The study was conducted by taking some sample of banks in Indonesia with a purposive sampling techniques and method of analysis using time series analisys. Number of samples taken is 8 (eight) banks with 4 (four) representing recapitalized banks and 4 (four) were non-recapitalized banks consisting of private banks and are listed on the stock exchange. Financial ratios in this study were classified into four major classifications, the Capital Adequacy Ratio (Capital) analyzed the Capital Adequacy Ratio (CAR), Asset Quality Ratios (Assets) analyze Non Performing Loan (NPL), Profitability Ratios (Earnings) analyze Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), BOPO (Operating Expenses and Operating Income), and the Liquidity Ratio (Liquidity) analyzed the Loan to Deposit Ratio (LDR). The results show that for the study period of 2005-2011, the average value of CAR, ROA, ROE, NIM and BOPO for non-recapitalization banks show better performance compare to recapitalization bank. While the average of LDR ratio for recapitalization bank better than non-recapitalization bank. There is also a show same good value for both banks, the value of the average of NPL ratio. Overall, the analysis also showed that the government�s policy, especially in banking recapitalization is not in vain because both the recapitalization of banks and non-recapitalization affected global crisis of 2008 but still able to maintain its liquidity and run the daily operations.