Analisis Rekapitalisasi Sebagai Program Penyehatan Perbankan Di Indonesia : (Studi Kasus Bank Bpd Jawa Tengah)

Abstract

ABSTRACK The economic crisis knocking down Indonesia up to nowadays have made banking industry get worse. The Authordy initiative In handling ft by giving Indonesian Bank Liquidity Aids roilowed with Tight Money Pohcy at the very same time, however, have made the matter be complicated for appearing double impact those are negative spread at one hand ano non performing loan at the other one. Facing the unfortune situation, Bank Indonesia formed a special Institution which one of the mission is to recover banking Industry by recapitailzing. To which undergone recapitalizatlon, banking had to have due diligence first, before grouped onto three categories, namely: 1. Category A, Bank with the Capital Adequacy Ratio more than 4% 2. Category B, Bank with the Capital Adequacy Ratio —25% up to 4% 3. Category C, Bank with the Capital Adequacy Ratio less than —25% Those which were being in B Category were given chance to add their capital first before being the same as those in B category, and should have to redeposit their capital up to 20% Covering capital gap and enhance the capital recovery is the aim of this program. Any way, adequate capital will support the managing assets • luaifly, earning power and full fill the liquidity If it be managed professionally. That’s why, it viewed CAMEL Factor in analyzing recapitalization at Bank BPD Jawa Tengah. it concluded from the resull that recapitaiization was able to cover the capital gap while giving significant contribution for Sank BPD Jawa Tengah XII ABS T RA K Krisis ekononil yang melanda Indonesia hingga saat ini telah mengakibatkan industri perbankan terpuruk. Upaya otoritas untuk mengataslnya dengan memberi Bantuan Likuiditas Bank Indonesia serta kebijakan uang ketat justru menjadi bumerang karena menimbulkan efek ganda yaltu Negatif Spread dan Non Performing Loan. Menyikapi hal itu Bank Indonesia membentuk badan khusus yang salah satu tugasnya adalah nienyehatkan bank melalui rekapitalisasl. Dalam mengikuti rekapitalisasi bank-bank Iebih dahulu melakukan due dilligeiice dan dikelompokkan dalam tiga kate9ori yaitu 1. Kategori A, yaftu bank yang memilikui CAR 4% thou lebih 2. Kategori B, yaitu bank yang memuliki CAR dibawah 4% sampai—25% 3. Kategori C, yaitu bank yang memiliki CAR di Dawah — 25% • Bank yang mengikuti program rekapitalisasi adalah bank Kategori B. Bank berkategori C diberi kesempatan menambah modalnya hingga mas.ik kategori B dan harus menyetor kembali modal sebesar 20%. Program rekapitalisasi dlharapkan mampu menutup Capital Gap dan meningkatkan kesehatan modal. Modal yang cukup akan mendukung pengélolaan kualitas aset kemampu-labaan don memenuhi Ilkulditas hila dikelola secara profesional. Oleh karena Itu dalam thesis ml dilakukan teihadap faktor CAMEL dl Sank SPO Jawa Tengah. Dan hash analisa dislmpulkan bahwa rekapitahisash mampu. • menutup Caphal Gap dart memberikan kontribush yang signifikan bagi kesehatan Rank RPD Jawa Tengab.