Perbedaan Kinerja Bank Pemerintah Dan Bank Asing Di Indonesia Periode 2005-2009
PRIMASARI, PAULA GIANITA (pembimbing: Sri Handaru Yuliati, Dra., M.B.A.), Sri Handaru Yuliati, Dra., M.B.A.
Penelitian ini bertujuan menganalisis perbedaan kinerja antara bank pemerintah dan bank asing di Indonesia menggunakan variabel Return On Assets (ROA), Return On Investement (ROE), Capital Adequacy Ratio (CAR), dan Net Interest Margin (NIM) serta menguji pengaruh CAR dan NIM terhadap ROA dan ROE bank pemerintah maupun bank asing di Indonesia. Populasi dalam penelitian adalah seluruh bank pemerintah dan bank asing yang ada di Indonesia serta tercatat dalam Laporan Bank Indonesia pada periode 2005-2009. Data yang digunakan diperoleh dari laporan keuangan masing-masing bank pada Bank Indonesia selama periode tahun 2005-2009. Jumlah populasi yang diperoleh sebanyak 32 bank, terdiri atas 16 bank pemerintah dan 16 bank asing. Teknik analisis yang digunakan adalah uji beda dua rata-rata dan uji regresi berganda dengan derajat signifikansi 5%. Data yang digunakan tidak menyimpang dari uji asumsi klasik yang terdiri atas uji multikolinearitas, uji heterokedastisitas, uji autokorelasi, dan uji normalitas sehingga layak digunakan dalam uji regresi. Dari temuan penelitian diketahui bahwa terdapat perbedaan signifikan antara ROA, ROE, dan NIM bank pemerintah dan bank asing, tetapi tidak terdapat perbedaan signifikan pada variabel CAR. Selain itu, ditemukan juga bahwa CAR berpengaruh terhadap ROA maupun ROE bank pemerintah di Indonesia pada periode 2005-2009, sementara NIM berpengaruh signifikan hanya terhadap ROA tetapi tidak terhadap ROE bank pemerintah di Indonesia pada periode 2005-2009. Sedangkan pada bank asing, CAR berpengaruh signifikan terhadap ROA tetapi tidak terhadap ROE, sementara NIM tidak berpengaruh signifikan pada derajat signifikansi 5% terhadap ROA maupun ROE bank asing di Indonesia pada periode 2005-2009.
This study aims to analyze performance difference between government and foreign banks by using Return On Assets (ROA), Return On Investement (ROE), Capital Adequacy Ratio (CAR), and Net Interest Margin (NIM) as well as examine the influence of CAR and NIM against ROA and ROE of government and foreign banks in Indonesia. The population are all government and foreign banks in Indonesia recorded in the Statement of Bank Indonesia in the period 2005-2009. The data used were obtained from the financial statement of each bank in the Bank Indonesia during the years 2005-2005. Total population earned are 32 banks comprising 16 government banks and 16 foreign banks. The analysis technique used are Independent Sample t-Test and multiple regression with level of significance of 5%. Data used in this study did not deviate from the classical assumption test consisting of multicollinearity test, heterocedasticity test, autocorrelation test, and normality test so that the available data fit to use in regression testing. From the findings of the study note that there are significant differences between ROA, ROE, and NIM of government banks and foreign banks, while there were no significant differences in the variable CAR. In addition, the study was also found that CAR was significant influence at the degree of significance of 5% to ROA and ROE of government banks in Indonesia during the years 2005-2009, while NIM effect significant at 5% only against ROA, but not for ROE. At the foreign banks, found that CAR was significant influence at the level significant 5% of ROA but not against ROE, while NIM had no significant effect at 5% of ROA and ROE of foreign banks in Indonesia in periode 2005-2009.
Kata Kunci : Return On Assets (ROA), Return On Investement (ROE), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM)
