Evaluasi kinerja perusahaan perbankan sebelum dan sesudah rekapitalisasi di Indonesia

SILABAN, Andar Bernard, Prof.Dr. Mas'ud Machfoedz, MBA

2004 | Tesis | Magister Manajemen

Berfungsi sebagai lembaga intermediasi, bank berperan menjadi tulang punggung ekonomi Indonesia. Isu Pakjun 83 dan Pakto 88 oleh pemerintah mendorong sektor swasta semakin meningkatkan dalam bank-bank baru. Sayangnya, perkembangan tersebut tidak diikuti oleh perkembangan di sektor riil. Bahkan, menciptakan boomerang bagi perbankan Indonesia. Likuidasi terhadap 16 bank, berhentinya 7 bank dan munculnya BPPN untuk mengontrol 7 bank swasta nasional telah menimbulkan naiknya kesuraman dunia perbankan kita. Ini membawa kita pada realisasi bahwa sangatlah penting untuk relativitasi image masyarakat dan kredibilitas pada industri perbankan. Analisis data dan diskusi dibawakan dengan menggunakan rasio keuangan yang digunakan oleh Bank Sentral Indonesia dalam menilai tingkat kesehatan bank dibandingkan dengan Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operational expense to Operational Revenue (BOPO), Loan to Deposite Ratio (LDR) dan ukuran bank. Hasil penelitian ini menunjukkan kesuksesan pemerintah dalam rekapitalisasi. Tingkat kesehatan telah meningkat bagi bank yang mengikuti program rekapitalisasi. Hal ini ditunjukkan dengan meningkatnya rasio keuangan.

Functioned as intermediary institution, banking turns to be backbone of Indonesian Economic. The issue of Pakjun 83 and Pakto 88 by Government increasingly support private sector to establish new banks. Unfortunately, such a development has not been followed by development in real sector. Therefore, it has created boomerang for indonesian banking. The liquidation toward 16 bank, stopage on 7 banks and the emergence of BPPN to control 7 national provate banks increasingly provide gloomy our banking world. This lead us to realize that it is necessary to revitalize public image and credibility on banking industry. This is manifested by recapitalization in banking industry. Data analyst and discussion were carried out by using financial ratio that used by Indonbesian Central Bank in assessing the health level of the bank comprising with Capital Adequacy Ratio (CAR), Non performing Loan (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operational expenses to Operational revenue (BOPO), Loan to Deposit Ratio (LDR) and size Result of this research showed that Government success in recapitalization. The health of banking industry which join the recapitalization program has growth. It’s showing by the increasing of the financial ratios.

Kata Kunci : Manajemen Perbankan, Kinerja, Rekapitalisasi, Recapitalization, CAR, NPL, NPM, ROA, BOPO, LDR