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Ira Lailatul Maghfiroh
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PERBEDAAN RISIKO KREDIT BANK UMUM SWASTA NASIONAL DEVISA (BUSN) DAN BANK ASING YANG GO PUBLIC DI INDONESIA Ira Lailatul Maghfiroh; Nur Khusniyah Indrawati
Jurnal Ilmiah Mahasiswa FEB Vol 1, No 2: Semester Genap 2012/2013
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The research aims to know the difference between credit risk in The Private National Bank and Foreign Bank terms of the value of the Loan to Deposit Ratio (LDR), Non Performing Loan(NPL), Capital Adequacy Ratio (CAR) and Bank Size. This research are explanatory research and used a descriptive comparative method. The period of study are 2007-2011 year. This study includes research in the study population because as all elements of the population are studied. The data used The Private National Bank and Foreign Bank published on the Bank Indonesia and the official website of the bank which is the object of research. The different test performed using an independent sample t test and Mann-Whitney U test.The results for each ratio analysis shows that there is no difference in the level of credit risk in terms of the value of LDR, NPL and Bank Size between The National Private Banks and Foreign Banks in Indonesia. However, in terms of the CAR indicates that the credit risk between the National Private Banks and Foreign Banks are significantly different. Keywords: Credit Risk Management, Loan to Deposit Ratio (LDR), Non Performing Loan(NPL), Capital Adequacy Ratio (CAR), Bank Size, The Private National Bank (BUSN), Foreign Banks.
PERBEDAAN RISIKO KREDIT BANK UMUM SWASTA NASIONAL DEVISA (BUSN) DAN BANK ASING YANG GO PUBLIC DI INDONESIA Maghfiroh, Ira Lailatul; Indrawati, Nur Khusniyah
Jurnal Ilmiah Mahasiswa FEB Vol. 1 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The research aims to know the difference between credit risk in The Private National Bank and Foreign Bank terms of the value of the Loan to Deposit Ratio (LDR), Non Performing Loan(NPL), Capital Adequacy Ratio (CAR) and Bank Size. This research are explanatory research and used a descriptive comparative method. The period of study are 2007-2011 year. This study includes research in the study population because as all elements of the population are studied. The data used The Private National Bank and Foreign Bank published on the Bank Indonesia and the official website of the bank which is the object of research. The different test performed using an independent sample t test and Mann-Whitney U test.The results for each ratio analysis shows that there is no difference in the level of credit risk in terms of the value of LDR, NPL and Bank Size between The National Private Banks and Foreign Banks in Indonesia. However, in terms of the CAR indicates that the credit risk between the National Private Banks and Foreign Banks are significantly different. Keywords: Credit Risk Management, Loan to Deposit Ratio (LDR), Non Performing Loan(NPL), Capital Adequacy Ratio (CAR), Bank Size, The Private National Bank (BUSN), Foreign Banks.
Co-Authors Nur Khusniyah Indrawati