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The Financial Performance Comparation of Private and Government Bank: Rural Bank Case

Management Analysis Journal · Vol. 10 No. 1 (2021) · pp. 77–84

DOI
10.15294/maj.v10i1.46009
ISSN
2502-1451, 2252-6552
Published
2021-04-22
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

The purpose of establishing rural bank/ Bank Perkreditan Rakyat known as BPR is to improve the regional economy through credit as financial support for inclusive society. Meanwhile, the contribution of BPR/BPRS (Conventional/Sharia) owned by the Local Government to the regional economy is still small in number. It reflected in the share of productive loans/financing channeled by Local Government BPR lower than private BPR/BPRS. This study aims to Analyze Performance Difference in Private Rural Banks and Rural Banks Owned by Local Government in Central Java Province using financial performance ratios. The financial performance ratios were Capital Adequacy Ratio (CAR), Quality of earning assets, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return on Assets (ROA). The method used to analyze data is Different Tests using Independent T-test. This study used SPSS Version 23 analysis tool. The sample of this research is BPR owned by Local Government of Central Java, and Private owned BPR in Central Java Province from 2016 to 2019. Selection of sample by using purposive sampling. Based on Independent T-Test, there is a difference in the ratio of Quality of earning assets and LDR between BPR owned by Local Government and Private Rural Bank, while for the ratio of NPL, CAR, and ROA there is no difference.

Collaboration network of the authors

29 authors · 73 co-authorship links

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Co-authorOrganisationJoint articles
kris Brantas AbiprayuAffiliation unknown2
Farida RahmawatiAffiliation unknown2
Ariyati AriyatiAffiliation unknown2
Bogy FebriatmokoAffiliation unknown2
Erisa Aprilia WicaksariAffiliation unknown2
Alan Ragil MaulanaAffiliation unknown1
Vitradesie NoekentAffiliation unknown1
Teguh Parmono HadiAffiliation unknown1
Toto SuharmantoAffiliation unknown1
Dwi Puji AstutiAffiliation unknown1
Kardiyem KardiyemAffiliation unknown1
Wulan Suci RachmadaniAffiliation unknown1
Sri WartiniAffiliation unknown1
Rulita HendriyaniAffiliation unknown1
HendrajayaAffiliation unknown1
Siti RidloahAffiliation unknown1
Anindya ArdiansariAffiliation unknown1
Farid AhmadiAffiliation unknown1
Dorojatun PrihandonoAffiliation unknown1
Bayu WiratamaAffiliation unknown1
Nanang Dwi PraatmanaAffiliation unknown1
Dwi CahyaningdyahAffiliation unknown1
Andhi WijayantoAffiliation unknown1
Vini Wiratno PutriAffiliation unknown1
Durrotun NabilahAffiliation unknown1
Putri KarismaAffiliation unknown1
Bela Noor AzizahAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/maj/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">The Financial Performance Comparation of Private and Government Bank: Rural  Bank Case</dc:title>
	<dc:creator>Widia, Syam</dc:creator>
	<dc:creator>Prananta, Widya</dc:creator>
	<dc:description xml:lang="en-US">The purpose of establishing rural bank/ Bank Perkreditan Rakyat known as BPR is to improve the regional economy through credit as financial support for inclusive society. Meanwhile, the contribution of BPR/BPRS (Conventional/Sharia) owned by the Local Government to the regional economy is still small in number. It reflected in the share of productive loans/financing channeled by Local Government BPR lower than private BPR/BPRS. This study aims to Analyze Performance Difference in Private Rural Banks and Rural Banks Owned by Local Government in Central Java Province using financial performance ratios. The financial performance ratios were Capital Adequacy Ratio (CAR), Quality of earning assets, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return on Assets (ROA). The method used to analyze data is Different Tests using Independent T-test. This study used SPSS Version 23 analysis tool. The sample of this research is BPR owned by Local Government of Central Java, and Private owned BPR in Central Java Province from 2016 to 2019. Selection of sample by using purposive sampling. Based on Independent T-Test, there is a difference in the ratio of Quality of earning assets and LDR between BPR owned by Local Government and Private Rural Bank, while for the ratio of NPL, CAR, and ROA there is no difference.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2021-04-22</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/maj/article/view/46009</dc:identifier>
	<dc:identifier>10.15294/maj.v10i1.46009</dc:identifier>
	<dc:source xml:lang="en-US">Management Analysis Journal; Vol 10 No 1 (2021): Management Analysis Journal; 77-84</dc:source>
	<dc:source>2502-1451</dc:source>
	<dc:source>2252-6552</dc:source>
	<dc:source>10.15294/maj.v10i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/maj/article/view/46009/18739</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Management Analysis Journal</dc:rights>
</oai_dc:dc>