DAFTAR ISI
ABSTRAK .............................................................................................................. ii KATA PENGANTAR ........................................................................................... iii DAFTAR ISI .................................................................................................................... vi
DAFTAR GAMBAR..............................................................................................ix DAFTAR TABEL...............................................................................................................x DAFTAR LAMPIRAN
BAB I PENDAHULUAN .......................................................................................1 1.1 Latar Belakang masalah .........................................................................1 1.2 Identifikasi Masalah ......................................................................................... 4
1.3 Tujuan Penelitian ...................................................................................4 1.4 Kegunaan Penelitian...............................................................................5 1.4.1 Kontibusi Teoritis.................................................................................5 1.4.2 Kontribusi Praktis.................................................................................6 1.5 Definisi Variabel Penelitian ............................................................................. 6
1.6 Outline Skripsi .......................................................................................8
BAB II TINJAUAN PUSTAKA ...........................................................................10 2.1 Pengertian .......................................................................................................10 2.1.1 Bank .............................................................................................. 10
2.1.2
Fungsi
Bank....................................................................................11 2.1.3 Jenis-Jenis Bank............................................................................. 12 2.1.4 Kinerja Keuangan Bank................................................................. 18 2.1.5 Analisis Tingkat Kesehatan Bank.................................................. 15
2.2 Merger .................................................................................................27 2.2.1 Pengertian dan Motif Merger......................................................... 27 2.2.2 Alasan-Alasan Melakukan Merger dan Akuisisi........................... 29 2.2.3 Pola Merger.....................................................................................31 2.2.4 Keunggulan dan Kelemahan Me.................................................... 31 2.2.5 Faktor-Faktor Kegagalan M........................................................... 32
2.3 Kerangka Penelitian. ...................................................................................... 33
2.4 Pengembangan Hipotesis .....................................................................36
BAB III OBJEK DAN METODOLOGI PENELITIAN ......................................41 3.1 Objek Penelitian ..................................................................................41 3.2 Profil dan Sejarah Perusahaan ....................................................................... 41 3.3 Metodologi Penelitian ................................................................................... 43
3.3.1 Desain penelitian ..................................................................44 3.3.2 Operasional Variabel ........................................................................45 3.3.3 Metode Analisis ...............................................................................46 BAB IV HASIL DAN PEMBAHASAN ......................................................................... 51 4.1. Perkembangan Tingkat Kesehatan Bank OCBC Sebelum dan Setelah Merger Berdasarkan Metode CAMEL............................................................................. 51 4.1.1 Perkembangan Permodalan (Capital)......................................................... 51 4.1.2 Kualitas Aktia Produktif (Asset)................................................................ 53 4.1.3 Perkembangan Manajemen........................................................................ 54 4.1.4 Perkembangan Earnings............................................................................. 55 4.1.4.1 Return On Asset (ROA).............................................................. 55 4.1.4.2 Return On Equity (ROE)............................................................ 56 4.1.4.3 Net Interest Margin (NIM)......................................................... 58 4.1.4.4 Beban Operasional Teradap Pendapatan Operasional................ 59 4.1.5 Perkembangan Likuiditas........................................................................... 60 4.1.6 Perbandingan Score CAMEL..................................................................... 62 4.2 Uji Normalitas..................................................................................................... 63 4.3 Pengujian Hipotesis............................................................................................. 64 4.3.1 Analisis Perbedaan Capital Adequacy Ratio Bank OCBC NISP Sebelum dan Setelah Merger..................................................................................... 64 4.3.2 Analisis Perbedaan Non Performing Loan Bank OCBC NISP Sebelum dan Setelah Merger..................................................................................... 65 4.3.3 Analisis Perbedaan Net Profit Margin Bank OCBC NISP Sebelum dan Setelah Merger............................................................................................ 67
4.3.4 Analisis Perbedaan Return On Asset Bank OCBC NISP Sebelum dan Setelah Merger............................................................................................ 68 4.3.5 Analisis Perbedaan Return On Equity Bank OCBC NISP Sebelum dan Setelah Merger............................................................................................ 69 4.3.6 Analisis Perbedaan Net Interest Margin Bank OCBC NISP Sebelum dan Setelah Merger............................................................................................ 70 4.3.7 Analisis Perbedaan Beban Operasional terhadap Pendapatan Operasional Bank OCBC NISP Sebelum dan Setelah Merger....................................... 71 4.3.8 Analisis Perbedaan Loan To Deposit Ratio Bank OCBC NISP Sebelum dan Setelah Merger...................................................................................... 72 4.3.9 Analisis Perbedaan Score CAMEL Bank OCBC NISP Sebelum dan Setelah Merger............................................................................................ 73 4.4 Pembahasan ........................................................................................................ 74 4.4.1 Rekaptulasi Hasil Penelitian....................................................................... 74 4.4.2 Diskusi........................................................................................................ 75
BAB V KESIMPULAN DAN SARAN ................................................................79 5.1 Kesimpulan .........................................................................................79 5.2 Saran ............................................................................................................. 81
DAFTAR PUSTAKA ................................................................................................ LAMPIRAN-LAMPIRAN.........................................................................................
DAFTAR GAMBAR Gambar 2.1 Gambar 3.1
Skema Kerangka Pemikiran.......................................................... 35 Gambar Penerimaan (Uji t).......................................................50
DAFTAR TABEL
Tabel 2.1
Penilaian Kesehatan Bank Menurut CAMEL ......................................... 17
Tabel 2.2
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio CAR.................... 20
Tabel 2.3
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio NPL ................... 21
Tabel 2.4
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio NPM .................. 22
Tabel 2.5
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio ROA .................. 23
Tabel 2.6
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio ROE .................... 24
Tabel 2.7
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio NIM .................... 25
Tabel 2.8
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio BOPO ................. 26
Tabel 2.9
Kriteria Predikat Penilaian Tingkat Kesehatan Rasio LDR .................... 27
Tabel 3.1
Operasional Variabel .............................................................................. 45
Tabel 4.1
Perkembangan Capital Adequacy Ratio Bank OCBC NISP sebelum dan setelah merger ......................................................................................... 52
Tabel 4.2
Perkembangan Net Performing Loan Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 53
Tabel 4.3
Perkembangan Net Profit Margin Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 55
Tabel 4.4
Perkembangan Return On Asset Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 56
Tabel 4.5
PerkembanganReturn On Equity Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 57
Tabel 4.6
Perkembangan Net Interest Margin Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 58
Tabel 4.7
Perkembangan Beban Operasional terhadap Pendapatan Operasional Bank OCBC NISP sebelum dan setelah merger .................................... 59
Tabel 4.8
Perkembangan Loan To Deposit Ratio Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 61
Tabel 4.9
Perkembangan Score CAMEL Bank OCBC NISP sebelum dan setelah merger ........................................................................................ 65
Tabel 4.10
One Sample Kologomorov Test.............................................................. 64
Tabel 4.11
Paired Sample Test Capital Adequacy Ratio (CAR) .............................. 65
Tabel 4.12
Paired Sample Test Non Performing Loan (NPL) .................................. 66
Tabel 4.13
Paired Sample Test Net Performing Margin (NPM) .............................. 67
Tabel 4.14
Paired Sample Test Return On Asset (ROA) .......................................... 68
Tabel 4.15
Paired Sample Test Return On Equity (ROE) ........................................ 69
Tabel 4.16
Paired Sample Test Net Interst Margin (NIM) ....................................... 70
Tabel 4.17
Paired Sample Test Beban Operasional terhadap Pendapatan Operasional(BOPO) ............................................................................... 71
Tabel 4.18
Paired Sample Test Loan To Deposit Ratio ........................................... 72
Tabel 4.19
Paired Sample Test Skor CAMEL .................................................73
Tabel 4.20
Rekaptulasi Hasil Uji-t Dua sampel Berpasangan (Paired Sample Test .................................................................................................74
DAFTAR LAMPIRAN Lampiran 1
Tabel Perhitungan
Lampiran 2
Laporan Keuangan
Lampiran 3
Paired Sample T test
Lampiran 4
Daftar Riwayat Hidup
Lampiran 5
Kartu Bimbingan
