ABSTRAK
Tujuan dari penelitian ini adalah menganalisis perbedaan antara bank swasta dan bank pemerintah yang go public di Bursa Efek Indonesia dengan menggunakan rasio Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Equity (ROE), Return on Asset (ROA), Beban Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), dan Posisi Devisa Neto (PDN). Populasi dalam penelitian ini adalah seluruh bank swasta dan bank pemerintah yang terdaftar di Bursa Efek Indonesia selama periode 2010-2014. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Teknik analisis yang digunakan adalah statistik deskriptif, analisis korelasi, uji beda dua rata-rata, dan uji Mann-Whitney. Analisis deskriptif menunjukkan bahwa LDR bank pemerintah meningkat secara teratur. Rasio keuangan lainnya ditemukan berfluktuasi. Juga ditemukan bahwa terdapat korelasi yang signifikan antara CAR dan LDR. Sesuai dengan uji Mann-Whitney terdapat perbedaan yang signifikan pada ROA, ROE, dan NIM antara bank swasta dan bank pemerintah.
ABSTRACT
This study aims is to analyze the differences between private bank and government banks performance go public in Indonesia Stock Exchange toward Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Equity (ROE), Return on Asset (ROA), Operational Expense to Operational Revenue (BOPO), Net Interest Margin (NIM), Loan to Deposits Ratio (LDR), and Net Open Position (PDN). The population of this research are all private banks and government banks go public in Indonesia Stock Exchange in the period of 2010 until 2014. The sampling technique used in this study was purposive sampling. Analysis techniques use descriptive analysis, correlation analysis, Independent Sample T-Test, and Mann-Whitney test. Result of descriptive analysis showed that LDR of government bank was found to steadily increase. Other financial ratios were found to be fluctuated. It is also found that there significant correlation amongst CAR and LDR. According to the Mann-Whitney test it has a significant difference at ROA, ROE, and NIM between private banks and government banks.
