Perbandingan Kinerja Bank Pemerintah Dan Bank Swasta Dengan Rasio Camel Serta Pengaruhnya Terhadap Harga Saham

Abstract

<p class="Style2">The objective of this research is to identify whether there is a significant difference between performance of state owned bank s and private banks. The mea-sure of performance is based on financial ratios CAMEL, which consist of CAR as represent of Capital, RORA as represent of asset quality, NPM as represent of Management, ROA as represent of earnings and LDR as represent of liquidity. This research also identify the influence of CAMEL to stock price.</p><p class="Style2">The sample of 26 state owned banks and 22 private banks. Kolmogorov Smimov test is used to test the normality of data distribution. For normally distributed data consist of CAR, NPM and LDR, test are conductable using West as parametric test. Meanwhile, RORA and ROA which non normally distributed, test are conducted using Mann-Whitney, as non parametric test to compare the difference between state owned banks and private bank's performance. The multiple reg4ession model is used to determine the relationship between CAMEL and stock price.</p><p class="Style2">The empirical result of this research indicates that the CAR, RORA, ROA dan LDR of state-owned banks and the private banks have a similar perfonance. Inspite of this, there is no significant difference in NPM between the state-owned banks and the private banks. The other analysis that CAMEL have simultaneously significant influence to the stock price.</p><p class="Style1"><strong><em>Keywords: CAMEL, financial ratio, bank performance, stock prise</em></strong></p>

Analisis Komponen Tingkat Kesehatan Bank Terhadap Harga Saham Bank Umum Swasta Nasional Devisa Yang Terdaftar Di Bursa Efek Indonesia Periode 2012-2016

“…Net Interest Margin (NIM) yang tinggi menunjukkan bank semakin efektif dalam penempatan aktiva perusahaan dalam bentuk kredit, sehingga pendapatan bunga bank meningkat. Informasi ini membuat investor tertarik berinvestasi pada saham perbankan dan berdampak pada peningkatan harga sahamnya (Kurniadi, 2012 Hasil penelitian ini sejalan dengan teori (Nasser, 2003) yang menyataan rasio nonperforming loan menunjukan bahwa kemampuan manajemen bank dalam mengelola kredit bermasalah yang diberikan oleh bank. Sehingga semakin tinggi rasio ini maka akan semakin semakin buruk kualitas kredit bank yang menyebabkan jumlah kredit bermasalah semakin besar maka kemungkinan suatu bank dalam kondisi bermasalah semakin besar dan memungkinkan pencapaian laba semakin rendah.…”

Determinant of Capital Ratio: A Panel Data Analysis on State-Owned Banks in Indonesia

“…The NPL ratio shows the ability of bank to manage the loans. Higher NPL indicates worse quality of the bank credit, hence bigger credit risk (Nasser, 2003). The non performing loans is classified as substandard, doubtful and loss.…”

Pengaruh Mekanisme Corporate Governance Terhadap Kinerja Keuangan Bank Perkreditan Rakyat

“…Makin tinggi rasio NPL berarti kinerja BPR makin buruk mengingat makin tinggi tingkat kredit bermasalah (macet). Ini sejalan dengan pernyataan Nasser (2003) bahwa semakin tinggi rasio NPL berpotensi menimbulkan masalah akibat buruknya kualitas kredit yang mengganggu kinerja bank. Sehingga hasil penelitian ini menunjukkan bahwa dengan meningkatnya kepemilikan manajerial akan menyebabkan meningkatnya non performing loan (tingkat kredit bermasalah) yang dihadapi oleh BPR dan semakin rendah tingkat profitabilitas BPR.…”