Analisis Perbandingan Kinerja Keuangan Bank BUMN dengan Bank Non- BUMN
Abstract
The banking industry is a very tight and competitive industry. It is seen from total assets ratings of commercial banks in 2011, BUMN banks have 36.35% market share of total assets. 8 Bank besides BUMN bank with 30% of market share is Non-BUMN Bank group. Intense competition in the banking industry makes should be able to keep and improve its financial performance as one of the factors that can be trusted by investors and third parties to determine their financial decisions. The purpose of this study is to analyze the financial condition of the BUMN Bank and Non-BUMN bank and to analyze whether there is a significant difference at the specified financial ratios (CAR, NPL, ROA, ROA, LDR) and “kinerja” variable to look at the overall performance among both bank group. Analysis Tools that are used are independent sample t-test and Mann-Whitney for the “Kinerja” variable by using SPSS software. The results obtained by BUMN bank financial condition is better than Non-BUMN bank. To test the results of independent sample t-test is obtained CAR (0.377), NPL (0.383), ROA (0.102), LDR (0.644) indicates a value greater than 5% significance level (α = 0.05) so that there is no significant difference between BUMN bank and Non-BUMN bank. The results of the test variable ROA (0.028) and “Kinerja” (0.019) is smaller than the significance level of 5% (α = 0.05) so that there is a significant difference between BUMN and Non-BUMN bank.
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- UT - Management [3458]