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APRILINA INGGIT PRATIWI
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ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN NASIONAL DENGAN MENGGUNAKAN PENDEKATAN RISIKO (RISK-BASED BANK RATING/ RBBR)
Abstrak (Bhs. Indonesia)
Penelitian ini bertujuan untuk mengetahui perbedaan kinerja keuangan Bank Umum Milik Pemerintah dan Bank Umum Swasta Nasional Devisa. Untuk mengetahui kinerja keuangan bank dapat diketahui melalui pendekatan Risk- Basd Bank Rating(RBBR) dengan menggunakan 4 faktor penilaian yaitu Risk Profile, Good Corporate Governance, Earning, dan Capital atau bisa disebut dengan Faktor RGEC. Bank yang menjadi sampel dalam penelitian ini sebanyak 12 bank dari populasi 23 bank dengan metode purposive sampling.Teknik analisis data yang digunakan adalah uji Mann- Whitney. Hasil penelitian diketahui bahwa kinerja keuangan Bank Umum Milik Pemerintah dalam kondisi sangat sehat, artinya Hipotesis I diterima. Bank Umum Swasta Nasional Devisa dalam kondisi sangat sehat, artinya Hipotesis II diterima. Untuk hipotesis terakhir yaitu Hipotesis III ditolak karena diketahui tidak terdapat perbedaan signifikan kinerja keuangan antara Bank Umum Milik Pemerintah dan Bank Umum Swasta Nasional Devisa.
Abtrak (Bhs. Inggris)
This research aimed to determine the differences between financial performance of State-Owned Commercial Bank and Foreign Exchange National Private Bank. Determining bank’s financial performance can be known through Risk Based Bank Rating (RBBR) approach with using four assessment factors, they are Risk Profile, Good Corporate Governance, Earning and Capital or can be called as RGEC factor. They were 12 banks as the sample of this research from the population of 23 banks by using purposive sampling method. Data analysis technique used was Mann-Whitney test. The result indicated that financial performance of State-Owned Commercial Bank was in a very healthy condition, meaning that the first hypothesis was accepted. Foreign Exchange National Private Bank was in a very healthy condition, meaning that the second hypothesis was accepted. For the last hypothesis, the third hypothesis was rejected because it was determined that there was no significant differences between financial performance of State-Owned Commercial Bank and Foreign Exchange National Private Bank.
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