Analisis penggunaan rasio keuangan untuk menduga pertumbuhan laba bank asing di indonesia

Tua Halomon Silalahi, Ferryanto (2003) Analisis penggunaan rasio keuangan untuk menduga pertumbuhan laba bank asing di indonesia. Masters thesis, Institut Pertanian Bogor.

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Official URL: http://elibrary.mb.ipb.ac.id

Abstract

the Growth of Foreign Bank Profit in Indonesia Ferryanto Tua Halomoan Silalahi The health level of a bank can be observed from several indicators. One main indicator, which may be used as the evaluation base, is the banks financial report. Based on the report, the financial ratio, which is commonly used as the base for evaluating the health level of a bank, can be calculated. This study aims at finding out the financial ratios, which are measured by CAMEL (Capital, Assets, Management, Earnings, Liquidity) ratio, may significantly influence the growth of profit; and providing inputs for the banking management and the society, who are users of foreign banks, in order to find out which financial ratios that are most influencing in predicting the growth of the banks profit and the banking finance. The analyzed financial ratio is beneficial for setting up the bank rating accurately. The secondary data used in this study is the financial reports of the banks covered in the Indonesian Bank Directory. The samples used in this study are 10 foreign banks operating in Indonesia. This study uses bi-variate correlation analysis (Pearsons product moment) and multiple regression analysis. Bi-variate correlation analysis quantifies the proximity of relation among the data results having two variants (bi-variate). Multiple regression analysis is used for forecasting purpose, where there are dependent and independent variables. The result of this study is an earning ratio (the profit before taxes compared to the total asset), which significantly influences the growth of profit. This study has several limitations, which amongst all is that only 7 ratios are used as independent variables. Other ratios used by Bank Indonesia cannot be fully used because of the unavailability of data. Economic factors, such as inflation, interest rate, government subsidy and so on, have not yet been considered in this study. Those factors may influence the way the company conducts its business, which then influences the analysis result of this study. A financial report has a limitation, too. Each company has different method and policy, which is difficult to be compared and contrasted in the resulted financial report.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Rasio CAMEL, Bank Asing, Pertumbuhan Laba, Analisa Korelasi Pearson, Analisa Regresi Berganda
Subjects: Manajemen Keuangan
Depositing User: Library
Date Deposited: 26 Dec 2011 06:12
Last Modified: 26 Dec 2011 06:12
URI: http://repository.sb.ipb.ac.id/id/eprint/178

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