ANALISIS TINGKAT RISIKO KREDIT PADA BANK BUMN YANG TERDAFTAR DI BURSA EFEK INDONESIA

2015Penelitian ini bertujuan untuk menganalisis tingkat risiko kredit pada bank BUMN\ud yang terdaftar di bursa efek Indonesia pada periode 2009-2013, ditinjau dari segi\ud Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit\ud Ratio (LDR). Metode yang digunakan untuk menentukan tingkat risiko kredit yaitu\ud dengan membandingkan hasil analisis rasio NPL, CAR dan LDR dengan standar\ud ketetapan Bank Indonesia.\ud Hasil penelitian menunjukkan bahwa tingkat risiko kredit bank BUMN masih\ud tergolong rendah, karena NPL nya masih di bawah 5% sesuai dengan standar\ud ketetapan Bank Indonesia.Rasio kecukupan modal (CAR), keempat bank BUMN\ud tersebut telah memenuhi standar yang ditetapkan oleh Bank Indonesia, yakni\ud 8%. Namun, dari segi likuiditas, hanya Bank Tabungan Negara yang memenuhi\ud standar Bank Indonesia. Oleh karena itu, bank Mandiri, BNI, dan BRI harus\ud berupaya untuk meningkatkan likuiditasnya agar dapat memenuhi standar\ud ketetapan Bank Indonesia.\ud Kata Kunci :Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan\ud to Deposit Ratio (LDR), Risiko Kredit\ud This study aims to analyze the level of credit risk instate-owned banks listed on\ud the stock exchanges of Indonesia in the period 2009-2013, in terms of nonperforming\ud loan (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio\ud (LDR). The method used to determine the level of credit risk by comparing the\ud results of the analysis with the standard provisions of Bank Indonesia.\ud The results showed that the level of the state-owned banks credit risk were still\ud relatively low, because the NPL was still below 5% in accordance with the\ud standard provisions of Bank Indonesia. In terms of capital adequacy ratio (CAR),\ud the four state-owned banks have met the standards set by Bank Indonesia, which\ud is 8%. However, in terms of liquidity, only BTN met the standards of Bank\ud Indonesia. Hence, bank Mandiri, BNI and BRI should strive to improving the\ud liquidity in order to meet the provision standards from Bank Indonesia.\ud Key Words : Non Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan\ud to Deposit Ratio (LDR), credit ris