Analisis Perbandingan Kinerja Keuangan Berdasarkan Pendekatan CAMEL (Studi di Bank BUMN dan Bank Swasta Nasional Tahun 2019-2023) - khusnul dwi syahputri; Hari Karyadi; Ika Sisbintari (Universitas Diponegoro, 2026)
Abstract: This research is entitled “Comparative Analysis of Financial Performance Based on the CAMEL Approach (Study at Bank BUMN and Bank Swasta Nasional in 2019-2023)”. The aim of this research is to examine and analyze: 1.) Differences in financial performance based on CAR between Bank BUMN and Bank Swasta Nasional; 2.) Differences in financial performance based on NPL between Bank BUMN and Bank Swasta Nasional; 3.) Differences in financial performance based on PDN between Bank BUMN and Bank Swasta Nasional; 4.) Differences in financial performance based on ROA between Bank BUMN and Bank Swasta Nasional; 5.) Differences in financial performance based on BOPO between Bank BUMN and Bank Swasta Nasional; 6.) Differences in financial performance based on LDR between Bank BUMN and Bank Swasta Nasional. The population in this research, namely 4 Bank BUMN and 95 Bank Swasta Nasional. The sample using purposive sampling consisting of 4 Bank BUMN and 4 Bank Swasta Nasional. The data analysis method used is the normality test and the mann-whitney test. The result of this research show that there are significant differences in financial performance based on CAR, NPL, and LDR, there are no significant differences in financial performance based on PDN, ROA, and BOPO..Abstrak: Penelitian ini berjudul “Analisis Perbandingan Kinerja Keuangan Berdasarkan Pendekatan CAMEL (Studi di Bank BUMN dan Bank Swasta Nasional Tahun 2019-2023”. Tujuan penelitian ini untuk menguji dan menganalisis: 1.) Perbedaan kinerja keuangan berdasarkan CAR antara Bank BUMN dan Bank Swasta Nasional; 2.) Perbedaan kinerja keuangan berdasarkan NPL antara Bank BUMN dan Bank Swasta Nasional; 3.) Perbedaan kinerja keuangan berdasarkan PDN antara Bank BUMN dan Bank Swasta Nasional; 4.) Perbedaan kinerja keuangan berdasarkan ROA antara Bank BUMN dan Bank Swasta Nasional; 5.) Perbedaan kinerja keuangan berdasarkan BOPO antara Bank BUMN dan Bank Swasta Nasional; 6.) Perbedaan kinerja keuangan berdasarkan LDR antara Bank BUMN dan Bank Swasta Nasional. Populasi penelitian ini adalah 4 Bank BUMN dan 95 Bank Swasta Nasional. Sampel penelitian ini menggunakan purposive sampling terdiri dari 4 Bank BUMN dan 4 Bank Swasta Nasional. Metode analisis data adalah uji normalitas dan uji mann-whitney. Hasil penelitian ini menyatakan terdapat perbedaan signifikan kinerja keuangan berdasarkan CAR, NPL, LDR, dan tidak terdapat perbedaan signifikan kinerja keuangan berdasarkan PDN, ROA, dan BOPO.