ANALISIS PERBEDAAN KINERJA PERBANKAN SEBELUM DAN SESUDAH MUNCULNYA OJK TAHUN 2011 DENGAN METODE CAMEL (STUDI KASUS PADA PERUSAHAAN PERBANKAN YANG LISTING DI BEI TAHUN 2006-2016)

Abstract

This study aimed to analyze the differences in performance of banks as measured by Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Operating Income Operating Cost (BOPO) and Loan to Funding Ratio (LFR) before and after the presence of the Financial Services Authority (FSA) in Year 2011. The population in this study are all banks listed on the Indonesia Stock Exchange Year 2006 - 2016 that as many as 38 emiten. Based on predetermined criteria, 24 of the 38 banking companies listed in Indonesia Stock Exchange in 2006 - 2016 was used as a samples in this study. The Data used in this research is were secondary data. Results of data normality test is  used to determine what test equipment most suitablefor use in testing the hypothesis. If the data were normally distributed, hypothesis testing using Paired Samples T-Test. The results showed that there was no difference in the performance of the banks as measured by Capital Adequacy Ratio (CAR) and Operational Cost of Operating Income (BOPO) before and after before and after the presence of the Financial Services Authority (FSA). The results also showed that there are differences in in the performance of the banks as measured by Non Performing Loan (NPL), Net Interest Margin (NIM) and Loan to Funding Ratio (LFR) before and after the presence of the Financial Services Authority (FSA).

Penelitian ini bertujuan untuk menganalisis perbedaan kinerja perbankan yang diukur dengan Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional Pendapatan Operasional (BOPO) dan Loan to Funding Ratio (LFR), saat sebelum dan sesudah hadirnya OJK Tahun 2011. Populasi dalam penelitian ini adalah seluruh bank yang listing di Bursa Efek Indonesia Tahun 2006 - 2016 yakni sebanyak 38 emiten. Berdasarkan kriteria yang telah ditentukan, didapatkan 24 dari 38 perusahaan perbankan yang listing di Bursa Efek Indonesia pada tahun 2006 – 2016 digunakan sebagai sampel dalam penelitian ini. Data yang dipergunakan dalam penelitian ini adalah data sekunder. Hasil uji normalitas data digunakan untuk menentukan alat uji apa yang paling sesuai digunakan dalam pengujian hipotesis. Jika data terdistribusi normal, pengujian hipotesis menggunakan Paired Sampel T-Test. Hasil penelitianmenunjukkan bahwa tidak terdapat perbedaan Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO) saat sebelum dansesudah hadirnya OJK. Hasil penelitian juga menunjukkan bahwa terdapat perbedaan kinerja bank yang diukur dengan Non Performing Loan (NPL), Net Interest Margin (NIM) dan Loan to Funding Ratio (LFR)  saat sebelum dan sesudah hadirnya OJK.