PENGELOMPOKAN BANK DI INDONESIA BERDASARKAN INDIKATOR RASIO KEUANGAN DENGAN ANALISIS GEROMBOL

Authors

  • Elita Rahma Putri
  • Maiyastri .
  • Hazmira Yozza

DOI:

https://doi.org/10.25077/jmu.6.4.43-50.2017

Abstract

Abstrak. Bank adalah badan usaha yang menghimpun dana dari masyarakat dalam
bentuk simpanan dan menyalurkannya dalam bentuk kredit dan atau bentuk-bentuk
lainnya dalam rangka meningkatkan taraf hidup rakyat banyak. Banyaknya alternatif
bank yang dapat dipilih membuat nasabah cenderung lebih memilih bank yang memiliki
kinerja terbaik, sehingga penggerombolan bank berdasarkan kinerjanya menjadi suatu
hal penting untuk dilakukan. Tingkat kinerja bank dapat diukur dengan cara menga-
nalisis rasio keuangannya. Metode statistik yang digunakan dalam penelitian ini adalah
analisis gerombol berhirarki penggabungan. Objek yang digunakan dalam penelitian ini
adalah 18 bank umum konvensional yang laporan keuangannya telah diterbitkan un-
tuk periode September 2016. Hasil dari pengelompokan tersebut terbentuk 4 gerombol,
Gerombol I diisi oleh Bank Mandiri, Gerombol III diisi oleh Bank Multiarta Sentosa,
Gerombol IV diisi oleh Bank KEB Hana Indonesia dan selebihnya terletak pada Gerom-
bol II. Gerombol yang memiliki kinerja terbaik adalah Gerombol III, diikuti Gerombol
IV, Gerombol II dan Gerombol I.
Kata Kunci: Pengelompokan Bank, Analisis Gerombol, Rasio Keuangan

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Published

01-12-2017

Issue

Vol. 6 No. 4 (2017)

Section

Articles

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