Analisis Principal Component Biplots pada Bank Umum Persero yang Beroperasi di Jawa Tengah

Abstract

Competition among Indonesian banks today are tightening due to the good economic growth and mid social class enhancement. This competition occurs between banks and internal banks themselves. Increasing number of operating private banks enforce the government to work harder to maintain its existence. In this case, the appraisal of the bank tends to be a very important aspect in the banking business to survive today's banking industry. This study was conducted to determine how competition in the Government Bank (Persero) whom operating in Central Java with Biplot of Principal Component Analysis (PCA Biplot) method. This analysis can be applied to find out information about the relative position, the similarity between objects and diversity characteristic variable or variables in the four government banks operating in Central Java, according to several variables related to the bank's appraisal of the health measure aspects. The results obtained from this study is the variable BOPO has the greatest diversity. Among the six variable aspects of the assessment of the bank, with Bank Mandiri, Bank Rakyat Indonesia (BRI) and the Bank Tabungan Negara (BTN) leading with most superior variable ROA (Return on Assets), while Bank Negara Indonesia (BNI) is the most superior value CAR (Capital Adequacy Ratio). Diversity that can be explained is by 95.71%, which means the principal component analysis biplot is able to explain 95.71% of the total diversity of the actual data. Keywords: Principal Component Biplot Analysis (PCA Biplot), bank competition, bank's appraisal of the health measure aspects