PENGUJIAN MODEL PREDIKSI KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH PERIODE 1995-2005

Oleh:

Luciana Spica Almilia, Nanang Shonhadji, Angraeni

(BULETIN EKONOMI Vol. 6 No. 2 Agustus 2008)

Abstract:

This study is aimed to test the consistency of time period model, whether the information that previously affects today’s performance can be used to predict the performance in the future, and how the consistency of Indonesia banking financial prediction model formulation equation in order to detect bank condition and performance in the period of pre-economic crisis (1995-1996), during economic crisis (1997-1999) or post-economic crisis (2000-2005) is since bank condition and health is the interest of all relevant parties namely bank owner and manager, customers, Bank Indonesia in its capacity as the supervisor and builder, and the government.

The samples are Local Government Banks listed in Indonesian Banking Directory during the period after economic crisis in 1995 – 2005 and have total assets of less than or as much as 10 quintillion (≤10 quintillion), and Indonesian Financial Economic Statistics Monthly Statement for economic macro indicator. The sampling is performed by means of purposive method (purposive sampling). Dependent Variable in this study is Financial Sustainability Ratio and independent variable in this study is Capital Adequacy Ratio, Non Performing Loan, Return On Assets, Operational Cost Ratio to Operational Income, Loan to Deposit Ratio, Money Supply Sensitivity,  General Customer Price Index Sensitivity and SBI Interest Rate Sensitivity. The result of this study shows that model financial sustainability ratio did not have structural stabilization in 1999 – 2005.

 

Keywords: financial prediction, financial sustainability ratio, macroeconomic variable, financial performance

Artikel Lengkap dapat di download disini ->Pengujian Model Prediksi BPD – Bulet

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About Luciana Spica Almilia

Peneliti dan Dosen Tetap Jurusan Akuntansi (STIE Perbanas Surabaya)
This entry was posted in Publikasi Penelitian Akt Keuangan - Jurnal. Bookmark the permalink.

5 Responses to PENGUJIAN MODEL PREDIKSI KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH PERIODE 1995-2005

  1. Veronica says:

    Ibu, saya Vero, mahasiswa akuntansi tingkat akhir sedang meneliti performa kinerja BPR. Dengan variabel dependen yang sama CAR, LDR, BOPO, NPL, ROA. Cuma saya bingung untuk landasan teori/tinjauan pustaka secara ilmiah mengapa saya menggunakan ke 5 variabel tersebut. Saya menggunakan variabel tersebut karena memang variabel tersebut sering digunakan untuk menilai performa Bank. Ada saran dari Ibu? Mmmm… Kalau tidak keberatan, saya boleh tidak minta jurnal “PENGUJIAN MODEL PREDIKSI KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH PERIODE 1995-2005″ dari Ibu? Terima kasih.

  2. Sangat menarik. Bila semakin banyak kita yang berbagi seperti ini, mudah2an akan semakin memudahkan upaya meningkatkan SDM ya. Mantab

  3. hendra says:

    Bu Luciana, saat ini saya sedang menyelesaikan tesis dengan tema kinerja BPD se Indonesia, mohon bantuan ibu untuk mengirimkan jurnal PENGUJIAN MODEL PREDIKSI KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH PERIODE 1995-2005, terima kasih bantuannya Bu.

  4. Bian says:

    Bu luciana, saya berencana menulis tesis tentang Bank Pembangunan Daerah. Saya mohon bantuan Ibu untuk mengirimkan jurnal PENGUJIAN MODEL PREDIKSI KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH PERIODE 1995-2005. Terima kasih atas bantuannya.

  5. septinus wandagau says:

    Bu luciana, saya berencana menulis skripsi tentang Bank Pembangunan Daerah. Saya mohon bantuan Ibu untuk mengirimkan jurnal PENGUJIAN MODEL PREDIKSI KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH PERIODE 2006-2010. Terima kasih atas bantuannya.

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