ANALISIS KONDISI KEBANGKRUTAN USAHA PERBANKAN DI INDONESIA SEBELUM DAN SESUDAH MERGER
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Date
2004-05
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JURNAL BISNIS, MANAJEMEN & EKONOMI, Vol.5 No.4, Fakultas Ekonomi Universitas Widyatama Bandung
Abstract
Many business combination took place in banking industries in Indonesia that are particularly caused by the economic crisis in the year of 1997. Business combination or merger in a special condition or merger in a special condition such alike are not guaranteed to be succeed in the years to come, especially when the main mission was only for political urgency, such as to prevent mass chaos by saving banks from bankcruptcy.
Evaluating development performances of banks after merger can be work out by analyzing the financial statements. This observation was to compare the financial statements before and after the merger took place, as to review if there are any better improvements in the bank performances. The title of this observation is “Bankruptcy Analysis in Banking Industries Before And After Merger In Indonesia.”
The observation found out that the bank performances after the merger did not automatically better than before the merger. The financial condition of the new banks are greatly affected by the financial condition of their previous banks. The new bank were not in bankrupt contion when the previous banks were not and vice versa. Only that for certain new banks which are large in scale, the performance development are increasing relatively more significant two years after merger.
Before going into merger strategy, it is better to scrutinize the banks condition very carefully, as to find out it the bankswere worth saving or not, because merger could lead a healthy bank into bankcruptcy when it was not carefully reviewed beforehand.
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