ANALISIS Rekapitalisasi Sebagai Program Penyehatan Perbankan Di Indonesia : Studi Kasus Bank BPD Jawa Tengah

Darryanto, Robertus (2000) ANALISIS Rekapitalisasi Sebagai Program Penyehatan Perbankan Di Indonesia : Studi Kasus Bank BPD Jawa Tengah. Masters thesis, program Pascasarjana Universitas Diponegoro.

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Abstract

ABSTRACK The economic crisis knocking down Indonesia up to nowadays have made banking industry get worse. The Authorfly initiative in handling ii by giving Indonesian Sank Liquidity Aids foflowed wlth Tight Money Policy at the very same time, however, have made the matter be complicated for appearing double impact those are negative spread at one hand and 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 recapitallzing. To which undergone recapitalizatlon, banking had to have due diilgenee 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 quality, 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 result that recapitalization was able to cover the capital gap while giving significant contribution for Bank BPD Jawa Tengah xli ABSTRA K Krisis ekonomi yang melanda Indonesia hingga saat ml lelah mengakibatkan industri perbankan terpuruk. Upaya otoritas ur.tuk mengatasthya dengan memberi Bantuan Likuiditas Bank Indonesia serta kebijakan uang ketat justru menjadi bumerang karena menirubulkan efek ganda yaitu Negatff Spread dan Non Perform lag Loan. Menyikapi hal flu Bank Indonesia membentuk badan khusus yang salah satutugasnya adalah menyehatkan bank melalul rekapitalisasi. Da!am mengikuti rekapifalisasi bank-bank lebih dahulu melakukan due diIgence dan dikelompokkan dalam tiga kategori yaflu 1. Kategori A, yaitu bank yang memililcul CAR 4% atau Ieblh 2. Kategori B, yaitu bank yang memiliki CAR dibawah 4% sampaF—25% 3. Kategori C, yadu bank yang memiliki CAR di bawah — 25% Bank. yang mengikuti program rekapitahsasi adalah bank Kategori B. Bank berkategori C diberi kesempatan menambah rn.odalnya hingga masuk kategori B dan harus mertystor kemball modal sebesar 20%. Program rekapitailsasi dlharapkan mampu menutup Capital Gap dan menlngkatkan kesehatan modal. Modal yang cukup akan mendukunó pengétoláan kualltás net kemampu-Iabaan dan. memenuhi Ilkulditas blia dikelola secara profesionai Oleh karena flu dalam thesis ml dilakUkan teihadap faktor CAMEL dl Bank BPD Jawa Tengah. Darl hash analisa disimpulkan bahwa rekapitaUsasl, mampu. menutup Capital Gap dan memberikan kontribusl yang signifikan bagi kesehatan Bank BPD Jawa Tengah.

Item Type:Thesis (Masters)
Subjects:H Social Sciences > HG Finance
Divisions:Postgraduate Program > Master Program in Management
ID Code:8784
Deposited By:Mr UPT Perpus 2
Deposited On:20 Apr 2010 13:04
Last Modified:20 Apr 2010 13:04

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