ANALISIS FAKTOR-FAKTOR ASSETS LIABILITY YANG MEMPENGARUHI KINERJA INDUSTRI PERBANKAN DI INDONESIA (Study Kasus Industri Pethankan Tahun 1999 dan 2000)

Herunarko, Herunarko (2002) ANALISIS FAKTOR-FAKTOR ASSETS LIABILITY YANG MEMPENGARUHI KINERJA INDUSTRI PERBANKAN DI INDONESIA (Study Kasus Industri Pethankan Tahun 1999 dan 2000). Masters thesis, program Pascasarjana Universitas Diponegoro.

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Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor Assets Lihbility yang mempengaruhi kinerja industri perbankan di Indonesia dan sekaligus menganalisis kebijakan ALMA bank besar dan bank kecil Hasil penelitian diharapkan dapat memberikan gambaran mengenai komponen Assets Liability yang berperan dalam mencapai kinerja perbankan, baik pada bank besar maupun bank kecil. Obyek yang dipakai penelitian adalah Bank Umum pada industri perbankan di Indonesia periode tahun 1999 dan 2000. Kelemahan struktural industri perbankan Indonesia yang diperparah krisis moneter yang dimulai pada pertengahan tahun 1997 mengubah peta perbankan secara mendasar. Bank-bank yang semula dianggap kuat dan sehat ternyata justru banyak yang jatuh, sedangkan bank-bank yang kecil dan semula tidak diperhitungkan dapat bertahan. Hal tersebut antara lain disebabkan gagalnya bank melaksanakan ALMA dengan baik. Dan hasil serangkaian pengujian dan analisis regresi dengan bantuan Program. SPSS Ver 10.01 diperoleh kesimpulan bahwa kinerja industri perbankan di Indonesia yang diproksi dengan Cash ratio (CR), Capital Adequacy Ratio (CAR), Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Return On Assets (ROA) dipengaruhi oleh komponen Assets Liability, Primary Reserve yang terdiri kas, giro pada Bank Indonesia dan giro pada bank lain, Secondary Reserve yang terdiri dan penempatan pada bank lain dan surat-surat berharga (termasuk Obligasi Pemerintah), kredit yang diberikan, Dana Pihak ke Tiga, Modal dan Total Assets. Sedangkan kebijakan ALMA bank besar tidak berbeda dengan bank kecil.The objective of this study is to analyze Assets Liability factors that influencing Banking Industries performance in Indonesia and to analyze ALMA policies of Large Banking Industries and Small Banking Industries. The result of this study is expected to describe Assets Liability factors that having role on the achievement of banks performance, the Large Bank industries and the Small Banks industries performance. This is the case study of General Banking Industries in Indonesia period year of 1999 and 2000. The weaknesses of Indonesia Banking Industries structural that become worse by the monetery crisis that started in the mid year of 1997 had changed the banks performances basically. Banks that at surface was considered strong and healthy but in the fact many of them fallen down, on the other hands the Small Banks that was uncounted can survived. Those are because of banks failed to do ALMA best. The summary of this study, after have been analized and examed by SPSS Program Ver 10.01 is the performance of bank industries in Indonesia which is proximated by Cash Ratio (CR), Capital Adequacy Ratio (CAR), Cost of Operational against Revenue of Operational (BOPO) and Return On Assets (ROA) is effected by Assets Liability factors, Primary Reserve which is consist of Cash, Account on Indonesia State Bank and Account on Others Banks, Secondary Reserve which is consist of lied on others banks and Commercial Papers (includes Government Obligation), Loans that Distributed, Third Party Fund, Capital and Total Assets. On the other hands ALMA policies on Large Banks and Small Banks are found no different.

Item Type:Thesis (Masters)
Subjects:H Social Sciences > HG Finance
Divisions:Postgraduate Program > Master Program in Management
ID Code:8960
Deposited By:Mr UPT Perpus 1
Deposited On:21 Apr 2010 19:11
Last Modified:21 Apr 2010 19:11

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