eprintid: 49945
rev_number: 18
eprint_status: archive
userid: 22438
dir: disk0/00/04/99/45
datestamp: 2025-06-25 08:09:31
lastmod: 2025-06-26 02:52:57
status_changed: 2025-06-26 02:52:57
type: thesis
metadata_visibility: show
creators_name: SARIAH, SARIAH
creators_id: 5504210008
contributors_type: http://www.loc.gov/loc.terms/relators/THS
contributors_type: http://www.loc.gov/loc.terms/relators/THS
contributors_name: KHAERUNNISA, ENIS
contributors_name: SHAVAB, FIRLI AGUSETIAWAN
contributors_id: 198102152007012001
contributors_id: 198308172024211013
corp_creators: UNIVERSITAS SULTAN AGENG TIRTAYASA
corp_creators: FAKULTAS EKONOMI DAN BISNIS
corp_creators: JURUSAN PERBANKAN DAN KEUANGAN
title: ANALISIS RASIO KEUANGAN DALAM KINERJA KEUANGAN PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TBK. PERIODE 2020-2023.
ispublished: pub
subjects: HG
divisions: FEB
divisions: D3Perbankan
full_text_status: restricted
keywords: Bank Health Level, BJB Bank, Financial Ratio Analysis, Liquidity,
Profitability, Operational Efficiency
Tingkat Kesehatan Bank, Bank BJB, Analisis Rasio Keuangan,
Likuiditas, Profitabilitas, Efisiensi Operasional.
note: Penelitian ini bertujuan untuk mengevaluasi tingkat kesehatan keuangan PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (Bank BJB) periode 2020-2023 berdasarkan analisis rasio keuangan sesuai standar Otoritas Jasa Keuangan (OJK). Analisis mencakup Loan to Deposit Ratio (LDR), Cash Ratio (CR), Return on Aset (ROA), dan Beban Operasional terhadap Pendapatan Operasional (BOPO). Hasil penelitian menunjukkan bahwa Bank BJB berada dalam kondisi keuangan yang sehat. Rasio LDR yang berkisar antara 80%-92% dan Cash Ratio di atas 4% menunjukkan kemampuan bank dalam menjaga likuiditas sesuai standar. Profitabilitas yang diukur melalui ROA juga konsisten di atas 1,5%, mencerminkan kinerja yang memadai, sedangkan efisiensi operasional yang tercermin dari BOPO berada pada kisaran 74%-83%, di bawah batas maksimum 85%. Meskipun demikian, fluktuasi laba bersih akibat tekanan ekonomi global tetap menjadi tantangan. Secara keseluruhan, Bank BJB dinyatakan sehat selama periode penelitian dengan kinerja yang stabil dan memenuhi standar kesehatan perbankan.
abstract: This research aims to evaluate the level of financial health of PT. West Java and Banten Regional Development Bank Tbk (Bank BJB) for the 2020-2023 period based on financial ratio analysis according to Financial Services Authority (OJK) standards. Analysis includes Loan to Deposit Ratio (LDR), Cash Ratio (CR), Return on Assets (ROA), and Operating Expenses to Operating Income (BOPO). The research results show that Bank BJB is in a healthy financial condition. LDR ratios ranging between 80%-92% and Cash Ratios above 4% indicate the bank's ability to maintain liquidity according to standards. Profitability as measured through ROA is also consistently above 1.5%, reflecting adequate performance, while operational efficiency as reflected in BOPO is in the range of 74%-83%, below the maximum limit of 85%. However, fluctuations in net profit due to global economic pressures remain a challenge. Overall, Bank BJB was declared healthy during the research period with stable performance and meeting banking health standards.
date: 2025
date_type: published
pages: 82
institution: UNIVERSITAS SULTAN AGENG TIRTAYASA
department: PERBANKAN DAN KEUANGAN
thesis_type: diploma
thesis_name: dphil
citation:   SARIAH, SARIAH  (2025) ANALISIS RASIO KEUANGAN DALAM KINERJA KEUANGAN PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TBK. PERIODE 2020-2023.  D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.   
document_url: https://eprints.untirta.ac.id/49945/1/SARIAH_%2055004210008_Fulltext.pdf
document_url: https://eprints.untirta.ac.id/49945/2/SARIAH_55004210008_01.pdf
document_url: https://eprints.untirta.ac.id/49945/3/SARIAH_55004210008_02.pdf
document_url: https://eprints.untirta.ac.id/49945/4/SARIAH_55004210008_03.pdf
document_url: https://eprints.untirta.ac.id/49945/5/SARIAH_%2055004210008_04.pdf
document_url: https://eprints.untirta.ac.id/49945/6/SARIAH_%2055004210008_05.pdf
document_url: https://eprints.untirta.ac.id/49945/7/SARIAH_%2055004210008_Ref.pdf
document_url: https://eprints.untirta.ac.id/49945/8/SARIAH_%2055004210008_Lampiran.pdf