Abstract
The purpose of this study was to find out how much a significant difference between CAR BNI and BRI. The sampling technique in this study used purposive sampling. This research sample for 5 years from 2014-2018 was listed on the Indonesia Stock Exchange. Types of quantitative research data with secondary data sources. The data analysis technique used independent sample t-test. The analysis shows that the CAR variable on BNI and BRI based on the Sig (2-tailed) value of 0.010 so that a significant value of 0.010 0, 05, then Ho is rejected and Ha is accepted stating that there is a significant difference between the average CAR on BNI and BRI . Of the two banks, BNI's average is 17.760% smaller than the BRI's average of 21.332%. This shows that during 2014-2018 BRI's CAR was better than BNI, due to the increase in the amount of capital received by BRI. When referring to the minimum Bank Indonesia regulation is 8%, both banks have good financial performance in terms of (CAR).
Highlights
Abstrak Tujuan penelitian ini adalah untuk mengetahui seberapa besar perbedaan yang signifikan antara Capital Adequacy Ratio (CAR) BNI dan BRI.Teknik pengambilan sampel dalam penelitian ini menggunakan Purposive Sampling
The purpose of this study was to find out how much a significant difference between CAR BNI and BRI
The analysis shows that the CAR variable on BNI and BRI based on the Sig (2-tailed) value of 0.010 so that a significant value of 0.010
Summary
Kegiatan usaha yang paling dominan dan sangat dibutuhkan keberadaannya di dunia ekonomi dewasa ini adalah kegiatan usaha lembaga keuangan perbankan. CAR semakin mengindikasikan bahwa bank itu mempunyai permodalan yang baik untuk menunjang permodalannya dalam pemenuhan kebutuhankebutuhannya dan penanggungan terhadap risiko-risiko yang ditimbulkan, termasuk risiko kredit. BRI memiliki jaringan distribusi paling luas di industry perbankan Indonesia dan waralaba yang tidak tertandingi dalam kredit mikro pedesaan. Profil pendanaan BNI di untungkan oleh kepemilikan saham mayoritas oleh pemerintah, waralaba yang berkembang,dan jaringan distribusi yang luas.DPK memiliki 90% dari total pendanaan BNI sementara rasio pendanaan berbiaya murah terhadap total pendanaan sebesar 61% , lebih tinggi dari rata-rata industry sebesar. Hasil penelitian tersebut menyatakan bahwa Rasio Solvabilitas pada Capital Adequacy Ratio (CAR) Bank BNI periode semester 2 tahun 2011 sampai dengan semester 1 tahun 2015 menunjukkan rasio permodalan yang lebih baik dibandingkan rata-rata CAR Bank BUMN pada periode yang sama. Rasio rata-rata selama periode tersebut baik Bank BNI maupun Bank BUMN masih berada diatas rasio yang ditentukan oleh Bank Indonesia yaitu sebesar minimal sebesar 8%. Berdasarkan uraian diatas, peneliti tertarik untuk meneliti perbandingan Capital Adequacy Ratio pada PT BNI Tbk dengan PT BRI Tbk
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