Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain

Tri Wahyuningsih, Fifi Swandari

Abstract


This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Adecuacy Capital Ratio (CAR), Return on Assets (ROA) and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of  Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to  digital banking.

Keywords: Non-Performing Loans, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Revenues and Operating Expenses of Operational Income, Bank BNI, Bank BUMN.


Full Text:

PDF

References


Abiola, Idowu dan Olausi, Awoyemi Samuel. 2014. The Impact of Credit Risk Management on the Commercial Banks Performance in Nigeria. International Journal of Management and Sustainability. Vol. 3, No. 5, Halaman 295-306

Aiyuan, Tao dan Sihong, Zhao. 2011. Analysis of the Factors Influencing Credit Risk of Commercial Banks. Journal Quantitative Financial Risk Management. Vol. 1, No. 1, Halaman 123-135

Arikunto, Suharsimi. 2010. Prosedur Penelitian: Suatu Pendekatan Praktik. Rineka Cipta, Jakarta

Buchory, Herry Achmad. 2014. Analysis of the Effect of Capital, Credit Risk, and Profitability to Implementation Banking Intermediation Function (Study on Regional Development Bank All Over Indonesia Year 2012). International Journal of Business, Economic, and Law. Vol. 4, No. 1, Halaman 133-144

Cahyani, dkk. 2013. Pengaruh Persepsi Bunga Bank dan Kualitas Pelayanan Terhadap Minat Menabung Pada Bank BNI Syariah di Kota Semarang. Jurnal Ilmu Administrasi Bisnis Vol. 2, No. 3. Hal:1-9

Curak, dkk., 2013. Determinants of Non-Performing Loans: Evidence from Southeastern European Banking Systems. Banks and Bank System Journal. Vol. 8, No. 1, Halaman 45-53

Debora, dkk., 2015. Analisis Perbandingan Kinerja Keuangan dengan Menggunakan Metode CAMEL pada PT. Bank Jateng dan PT. Bank DKI. Jurnal EMBA. Vol. 3, No. 1, Halaman 1117-1128

Detiana, Tita. 2013. Pengaruh Current Ratio, Return on Equity dan Total Asset Turn Over terhadap Devidend Payout Ratio dan Implikasi pada Harga Saham LQ45. Jurnal Bisnis dan Akuntansi. Vol. 15, No. 1, Halaman 82-88

Ghozali, Imam. 2013. Aplikasi Analisis Multivariate dengan Program IBM SPSS 21 Update PLS Regresi. Badan Penerbit Universitas Diponegoro, Semarang

Gill, James O. 2001. Dasar-Dasar Analisis Keuangan. Diterjemahkan oleh: Eka Herawaty. Penerbit PPM, Jakarta

Golin, Jonathan dan Delhaise, Philippe. 2013. The Bank Credit Analysis Handbook: A Guide for Analysis, Bankers, and Investors. Second Edition. Singapore ; Hoboken, N.J. : John Wiley & Sons Singapore Pte. Ltd.,

Islam, dkk., 2005. Non Performing Loans: its Causes, Consequences and Some Learning. MPRA Paper. No. 7708, Halaman 1-13

Kasmir. 2012. Manajemen Perbankan. Raja Grafindo Persada, Jakarta

Latumaerissa, Julius R. 2011. Bank dan Lembaga Keuangan Lain. Salemba Empat, Jakarta

Liora, dkk., 2014. Analisis Perbandingan Kinerja Keuangan Bank Konvensional dan Bank Syariah yang Terdaftar di Bank Indonesia. Jurnal JOM FEKON. Vol. 1, No. 2, Halaman 1-15

Maharani, Vivi Putri & Afandy, Chairil. 2014. Analisis Perbandingan Kinerja Keuangan Bank Pemerintah dan Bank Swasta di Bursa Efek Indonesia (BEI) Periode 2008-2012. Jurnal Management Insight Vol. 9, No. 1. Hal:16-29

Margaretha, Farah dan Zai, Marsheilly Pingkan. 2013. Faktor-faktor yang Mempengaruhi Kinerja Keuangan Perbankan Indonesia. Jurnal Binis dan Akuntansi. Vol. 15, No. 2, Halaman 133-141

Merentek, Kartika Citra Claudia. 2013. Analisis Kinerja Keuangan antara Bank Negara Indonesia (BNI) dan Bank Mandiri Menggunakan Metode CAMEL. Jurnal EMBA. Vol. 1, No. 3, Halaman 645-652

Najmudin. 2011. Manajemen Keuangan dan Aktualisasi Syari'ah Modern. Andi, Yogyakarta

Orniati, Yuli. 2009. Laporan Keuangan Sebagai Alat Untuk Menilai Kinerja Keuangan. Jurnal Ekonomi Bisnis Tahun 14, No. 3. Hal:206-213

Poetry, Zaky Dwi & Sanrego, Yulizar. 2014. Pengaruh Variabel Makro dan Mikro Terhadap NPL Perbankan Konvensional dan NPF Perbankan Syariah. Jurnal Tazkia Islamic Finance and Business Review Vol. 6, No. 2. Hal:79-104

Prasanna, P. Krishna. 2014. ‘Determinants of Non-Performing Loans in Indian Banking System’ dalam 3rd International Conference on Management, Behavioral Science and Economics Issues. February 11-12, 2014, Singapore

Rahayu, Yoseva Maria Puji. 2014. Analisis Pengaruh Capital Adequacy Ratio, Return On Asset, Non Performing Loan dan Suku Bunga SBI Terhadap Jumlah Kredit Yang Disalurkan Bank (Studi pada Bank Umum Swasta Nasional Devisa yang terdaftar di BEI Periode 2010-2011). Jurnal Ilmiah Mahasiswa Vol. 2, No. 1. Hal:1-14

Riyanto, Bambang. 2001. Dasar-Dasar Pembelanjaan Perusahaan. Edisi 4. BPFE-Yogyakarta, Yogyakarta

Shingjergji, Ali dan Hyseni, Marsida. 2015. The Determinants of the Capital Adequacy Ratio in the Albanian Banking System during 2007-2014. International Journal of Economics, Commerce, and Management. Vol. 3, No. 1, Halaman 1-10

Shingjergji, Ali. 2013. The Impact of Bank Specific Variables on the Non Performing Loans Ratio in the Albanian Banking System. Research Journal of Finance and Accounting. Vol. 4, No. 7, Halaman 148-152

Soebagio, Hermawan. 2005. Analisis Faktor-faktor yang Mempengaruhi Terjadinya Non Performing Loan (NPL) pada Bank Umum Komersial (Studi Empiris pada Sektor Perbankan di Indonesia). Tesis. Universitas Diponegoro. Semarang




DOI: http://dx.doi.org/10.20527/jwm.v4i2.87

Refbacks

  • There are currently no refbacks.


Copyright (c) 2017 Jurnal Wawasan Manajemen

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Creative Commons License
Jurnal Wawasan Manajemen by Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Lambung Mangkurat is licensed under a Creative Commons Attribution 4.0 International License. Based on a work at jwm.ulm.ac.id.