PENGARUH PROFITABILITAS DAN EFISIENSI OPERASIONAL TERHADAP PERMODALAN PADA PT BANK DANAMON INDONESIA TBK (STUDI KASUS SEBELUM DAN SESUDAH AKUISISI OLEH MITSUBISHI UFJ FINANCIAL GROUP)

Siahaan, Joice Viona (2025) PENGARUH PROFITABILITAS DAN EFISIENSI OPERASIONAL TERHADAP PERMODALAN PADA PT BANK DANAMON INDONESIA TBK (STUDI KASUS SEBELUM DAN SESUDAH AKUISISI OLEH MITSUBISHI UFJ FINANCIAL GROUP). S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan untuk mengkaji dampak dari Profitabilitas dan Efisiensi Operasional terhadap Permodalan (Capital Adequacy Ratio/CAR) di PT Bank Danamon Indonesia Tbk sebelum dan sesudah diambil alih oleh Mitsubishi UFJ Financial Group (MUFG). Profitabilitas diukur dengan Return on Assets (ROA), sedangkan efisiensi operasional dievaluasi menggunakan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO). Pendekatan yang digunakan dalam penelitian ini adalah kuantitatif dengan analisis regresi linier berganda, dibantu dengan software SPSS versi 29. Sampel yang digunakan terdiri dari data laporan keuangan triwulanan sebanyak 32 observasi, termasuk 8 triwulan sebelum akuisisi (2017–2018) dan 24 triwulan setelah akuisisi (2019–2024). Analisis dilakukan melalui pengujian statistik deskriptif, pengujian asumsi klasik, analisis regresi linier berganda, serta uji t dan uji F. Temuan penelitian mengindikasikan bahwa sebelum akuisisi, ROA dan BOPO tidak menunjukkan pengaruh signifikan terhadap CAR. Namun, setelah akuisisi, ROA memberikan pengaruh positif yang signifikan, sementara BOPO berdampak negatif yang signifikan terhadap CAR. Hasil ini menunjukkan bahwa akuisisi mempengaruhi komposisi modal bank, khususnya melalui peningkatan efisiensi operasional dan profitabilitas. Penelitian ini diharapkan dapat menjadi referensi bagi manajemen, investor, dan peneliti dalam mengevaluasi pengaruh akuisisi terhadap kinerja keuangan bank./This research focuses on examining how Profitability and Operational Efficiency affect Capital (Capital Adequacy Ratio / CAR) in PT Bank Danamon Indonesia Tbk both before and after its acquisition by Mitsubishi UFJ Financial Group (MUFG). Profitability is assessed using Return on Assets (ROA), whereas operational efficiency is evaluated by the ratio of Operating Costs to Operating Income (BOPO). A quantitative methodology is employed, utilizing multiple linear regression analysis, with assistance from SPSS version 29 software. The sample comprises quarterly financial statement data consisting of 32 observations, including 8 quarters prior to the acquisition (2017–2018) and 24 quarters following the acquisition (2019–2024). The analysis includes descriptive statistical evaluations, classical assumption examinations, multiple linear regression assessments, as well as t tests and F tests. Post-acquisition, it was found that ROA had a notably positive impact, while BOPO had a significantly negative influence on CAR. These results indicate that acquisitions affect the capital structure of the bank, primarily through enhancements in operational efficiency and profitability. This study is anticipated to serve as a source of information for management, investors, and scholars in evaluating the effect of acquisitions on the financial performance of banks.

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