Analisis Pengaruh Akuisisi terhadap Perubahan Struktur Modal dan Tingkat Daya Saing Pada PT Bank Hibank Indonesia

Annisa Maharani, Dra. Sufitri, MM.

2025 | Tugas Akhir | D4 PERBANKAN

Penelitian ini bertujuan untuk menguji keberhasilan PT Bank Hibank Indonesia dalam mencapai tujuan yang melatarbelakangi tindakan akuisisi yakni perbaikan struktur modal dan peningkatan daya saing. Variabel struktur modal diukur dengan indikator modal inti, Capital Adequacy Ratio (CAR), serta Debt to Equity Ratio (DER). Sedangkan variabel daya saing diukur dengan indikator market share, Beban Operasional terhadap Pendapatan Operasional (BOPO), serta Return on Asset (ROA). Analisis data dilakukan dengan metode kuantitatif dan pendekatan komparatif dengan periode amatan tahun 2019–2024. Hasil dari uji normalitas menunjukan bahwa indikator modal inti, CAR, DER, serta market share diuji dengan metode Paired Sample T-test dan BOPO serta ROA diuji dengan metode Wilcoxon Signed Ranks Test. Hasil dari penelitian menunjukan bahwa tidak ada perubahan signifikan pada indikator CAR, market share, BOPO, serta ROA, namun terdapat perubahan signifikan pada modal inti dan DER.

This study aims to examine the success of PT Bank Hibank Indonesia in achieving the objectives behind the acquisition, namely improving capital structure and increasing competitiveness. Capital structure variables are measured by core capital indicators, Capital Adequacy Ratio (CAR), and Debt to Equity Ratio (DER). Meanwhile, competitiveness variables are measured by market share indicators, Operating Expenses to Operating Income (BOPO), and Return on Asset (ROA). Data analysis was conducted using quantitative methods and a comparative approach with an observation period of 2019-2024. The results of the normality test showed that the indicators of core capital, CAR, DER, and market share were tested using the Paired Sample T-test method and BOPO and ROA were tested using the Wilcoxon Signed Ranks Test method. The results of the study showed that there were no significant changes in the indicators of CAR, market share, BOPO, and ROA, but there were significant changes in core capital and DER.

Kata Kunci : akuisisi, Bank Hibank Indonesia, struktur modal, daya saing