PT. BANK SULUTGO AS A REGIONAL DEVELOPMENT BANK AND THE INFRASTRUCTURE LOAN: A SIMULATION ANALYSIS
Abstract: Infrastructure
development is government’s main program in Nawacita. From economic
perspective, financial institutions like banks can take an opportunity to fund
the infrastructure development. Government encourages banks to increase 60
percent of productive loans and 40 percent for consumptive loans. SulutGo bank
as a regional development bank can also take the same opportunity. This study
aims to analyze financial ratios when infrastructure loan takes place in
SulutGo bank. This study relies on simulation analyses. This study uses data
from financial statements of SulutGo bank year 2011-2016. There are two scenarios
of simulation used in this study, namely capital-taking and credit-switching.
Financial ratios to be analyzed are ROA, LAR, DAR, NPL Net, ROE, LDR, NIM,
OEOI, and CAR. One sample T-Test is needed to test the significant changes
before and after simulation of both scenarios. The results show that after
simulation ROA increases while ROE, NPL and OEOI decrease. The intervention of
infrastructure loan affects LAR, DAR, LDR, ROE and OEOI. There is no
statistical difference among ROA, NPL, NIM, and CAR between pre and post
simulation. Through this infrastructure loan, bank can expand its business
area, generate new source of income by getting fee based income based on
corporate collateral.
Keywords: infrastructure loan,
simulation, financial ratios
Penulis: Ezri Ponto, Herman
H.D Tasik
Kode Jurnal: jpmanajemendd170755
