DAMPAK TINGKAT KONSENTRASI TERHADAP KINERJA DAN STABILITAS PERBANKAN DI INDONESIA TAHUN 2003-2013
Prodi Manajemen Fakultas Ekonomi Universitas Mulawarman
Jl. Tanah Gerogot Kampus Gn. Kelua-Samarinda, 75119, Indonesia.
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The Indonesian Banking Architecture policy had increased banks’ concentration to strengthen their capital structure. Banks were forced to increase their capital so that banks consolidation might occur through mergers and or acquisitions. Based on these conditions, the purpose of this study was to analyze the impact of bank concentration level to the performance and stability of the bank. Using the efficiency hypothesis, “concentration-stability” hypothesis, and “concentration-fragility” hypothesis, this study analyzed the entire conventional banks in Indonesia. The data used were secondary data from Bank Indonesia and the Central Bureau of Statistics from 2003 to 2013, with panel data regression using eviews program. The results showed that banking industries in Indonesia supported the efficiency hypothesis and the “concentration-stability” hypothesis.
Key words: banking, concentration, efficiency, stability
ANALISIS KOMPARATIF KINERJA KEUANGAN PERBANKAN ASEAN SETELAH KRISIS GLOBAL
I Gusti Ayu Purnamawati
Fakultas Ekonomi dan Bisnis Universitas Pendidikan Ganesha
Jl.Udayana No.11 Singaraja-Bali, 81116, Indonesia.
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- I Gusti Ayu Purnamawati: Telp. +62 362 26830
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The globalization of world trade era presented a competitive challenge for the banking sector, especially the countries that were members of the Association of Southeast Asian Nations (ASEAN) such as: Indonesia, Thailand, and Malaysia. The banking sector was very vulnerable to the economic turmoil that often occurred. The uncertainty in the global economic recovery resulted a high risk in the financial sector for the importance of the bank’s financial performance assessment for the stakeholders. This study aimed to compare the financial performance of the banking sector in Indonesia, Thailand, and Malaysia by using financial ratios. The sample was limited to banks that fell into the category of 5 largest banks in Indonesia, Thailand, and Malaysia during 2009-2012. The research data was secondary data obtained from the Indonesia Stock Exchange. The analysis method used was Kolmogorov Smirnov test for data normality test and one-way ANOVA parametric test. The results showed that: (1) There were significant differences of indicators ROA, ROE and LDR in the financial performance of banks in Indonesia, Thailand and Malaysia; (2) There was no difference of CAR indicator in banking finance in Indonesia, Thailand and Malaysia.
Key words: banking, capital adequacy ratio, loan to deposit ratio, return on assets, return on equity
PREDIKSI KEBANGKRUTAN BANK-BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA
Farida Titik Kristanti
Jurusan Akuntansi Telkom Business School, Telkom University
Jl. Telekomunikasi, Terusan Buah Batu, Dayeuh Kolot, Bandung, 40257.
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Farida Titik Kristanti: Telp. +62 22 750 3509; Fax. +62 22 750 2263
The purpose of this study was to investigate whether CAMELS ratios could be used to predict Bank bankruptcy. This study used seven ratios that represented CAMELS ratios. Logic regression Model used showed that model fit and prediction accuracy was as much as 81.2%. It led us to the conclusion that the CAMELS ratios could be used to predict bank bankruptcy. The research showed that only CAR (Capital) negatively and significantly influenced the prediction of Bank bankruptcy. The other variables, NPL (Asset quality), ROA (Management), NIM (Earnings), LDR (Liquidity), Price/Earning (Sensitivity) and size (Sensitivity) did not have any significant influence to predict bank bankruptcy. This model also showed us that variability of an independent variable could be explained by the dependent variability as much as 43.5%.
Key words: bankruptcy, banking, CAMELS ratios