Analisis Pengaruh Komposisi Penyaluran Kredit terhadap Kinerja Keuangan Studi Kasus: PT. Bank Mandiri (Persero) Tbk Tahun 2004-2011

• Main Authors: , Dewi Sari Pinandita, , Dr. Sumiyana, M.Si.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2013
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/118258/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=58202
• Institution: Universitas Gadjah Mada

PT Bank Mandiri is a bank with the biggest asset in Indonesia in recent years. This company has business strategy which focus on micro sector, retail and consumer. However it is different from the history of this company as the bank that was formed by merger of banks which have corporation segment such as Bapindo, Exim, Bumi daya, and Bank Dagang Negara. Currently the largest composition of Bank Mandiri loans still in corporate and commercial segment. This study aims to analyze further the influence of the composition of credit in Bank Mandiri to financial performance. Analysis was done by testing and interpretation of statistical results on four models of the model established by the independent variable credit segment (corporate, commercial, micro, and consumer) paired with each of the four dependent variables of financial performance (ROA, ROE, NIM and NOPAT) for 32 times the quarterly report of 2004 -2011. From the test results can be concluded that the strategy has taken Bank Mandiri to focus on the micro sector, retail and consumer currently less precise due to the present corporate and commercial business unit still plays an important role in the sustainability of a company which is reflected in its financial performance.