KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH SUMATERA BARAT, KALIMANTAN SELATAN, DAN NUSA TENGGARA BARAT

Juli Panglima Saragih
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Abstract

Local government-owned banks (Bank Pembangunan Daerah) have an important role in boosting local economy development. ln response with a tighter competition, BPDs are argued to be able to keep on increasing their assets, as well as capital, and better managing their financial performance in order to penetrate local market to become market leaders rather than market followers. This meant that they must be able to run their business thoroughly and share more contributions from the profits they obtained to the local government revenue. This research focuses on analyzing financial performance of BPDs in the provinces of Sumatera Barat, Kalimantan Selatan and Nusa Tenggara Barat. lt includes a comparative analysis to reveal those which can fully run its business very well.

Keywords

kinerja keuangan; neraca; laporan keuangan; bank pembangunan daerah

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References

Buku:

Budi Rahardjo, Laporan Keuangan Perusahaan, Penerbit Gadjah Mada University Press, Yogyakarta, Cetakan ke-2 Januari, 2005.

Harmono, Manajemen Keuangan, Penerbit Bumi Aksara , 2009,Jakarta

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Oxford English Dictionary, Tenth Edition 2005, Oxford University Press Inc., New York, USA

Majalah:

Majalah lnfoBank, Nomor 360, Maret 2009.

Majafah lnfoBank, Nomor 363, Juni 2009

Majalah lnfoBank, Nomor 368, November 2009

Laporan Tahunan BPD Kalimantan Selatan, 2007& 2008

Laporan Tahunan Bank Nagari Sumatera Barat, 2008

Laporan Tahunan BPD Nusa Tenggara Barat, 2008

Peraturan Perundang-undangan

Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan, sebagaimana telah diubah dengan UU Nomor 10 Tahun 1998.

Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan.

Undang-Undang Nomor 5 Tahun 1962 tentang Perusahaan Daerah.

Perda Provinsi Daerah Tingkat I Sumatera Barat Nomor 15 Tahun 1992 tentang Bank Pembangunan Daerah Sumatera Barat.

Perda Provinsi Sumatera Barat Nomor 2 Tahun 1996 tentang Penyebutan BPD Sumatera Barat Menjadi Bank Nagari.

Perda Provinsi Sumatera Barat Nomor 3 Tahun 2006 tentang Perubahan Bentuk Badan Hukum BPD Sumatera Barat dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT).

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http://www.bizwiz.calorofitabiIitvratiocalculation-formulas/profit marqin ratio.html.

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