KINERJA FINANSIAL BANK PERKREDITAN RAKYAT MILIK PEMERINTAH DAERAH DAN MILIK SWASTA DI PROVINSI RIAU

Abstract

This research aimed to analyze the differences in the financial performance of rural
banks owned of local government with rural bank owned of private in terms of CAR, NPL,
PPAP, ROA, ROA, CR, and LDR factors. Data analysis techniques in quantitative research
uses statistical analysis consisted of a descriptive statistical analysis and inferential
statistical analysis. Descriptive statistical analysis was used to describe the characteristics
of the variables researched, while the inferential statistical analysis was used to see the
difference in financial performance of rural banks owned of local government and owned of
private by using a statistical test by the use of test model Mann-Whitney. Based on the
results of the research showed that the average ratio of CAR, PPAP, ROA, ROA, and CR
between rural banks owned of local government with rural bank owned of private no
difference and financial performance both are in a healthy condition, while the average
ratio of NPL in an equally unhealthy conditions. For average ratio LDR of rural bank
owned of local government are in unhealthy conditions while the average ratio of LDR of
rural bank owned of private in unsanitary conditions. Overall, there was no difference in
financial performance between rural banks owned of local government with rural bank
owned of private.