Ika Mulyani. NIM 2021050101067., I (2026) ANALISIS KINERJA MENGGUNAKAN METODE BALANCED SCORECARD PADA PT BANK NEGARA INDONESIA (PERSERO), Tbk. Other thesis, IAIN KENDARI.
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Abstract
ABSTRAK
Ika Mulyani. NIM 2021050101067. “Analisis Kinerja
Menggunakan Metode Balanced Scorecard pada PT. Bank Negara
Indonesia (Persero),Tbk”. Melalui Pembimbing : Dr. Akmal ME,
dan Adzil Arsyi Sabana, SE, ME.
Penelitian ini bertujuan untuk menganalisis kinerja PT. Bank
Negara Indonesia (Persero), Tbk berdasarkan empat perspektif
Balanced Scorecard yaitu 1) Perspektif Keuangan, 2) Perspektif
Pelanggan, 3) Perspektif Proses Bisnis Internal dan 4) Perspektif
Pertumbuhan dan Pembelajaran. Metode Penelitian ini ini adalah
metode kuantitatif deskriptif dengan menggunakan data sekunder
berupa Laporan Keuangan Bank Negara Indonesia (BNI) selama lima
(5) tahun yaitu dari tahun 2019-2023. Hasil analisis data menunjukkan
bahwa kinerja keuangan yang diukur menggunakan indikator Rasio
Return On Asset (ROA) memperoleh skor 2, Net Profit Margin (NPM)
memperoleh skor -1, Return On Equity (ROE) memperoleh skor 1,
Rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO)
memperoleh skor 5 dan rasio Loan to Deposit Ratio (LDR)
memperoleh skor 2 sehingga total bobot skor perspektif keuangan
adalah 9 dan skor rata-rata adalah 1,8 dimana hal tersebut menunjukkan
bahwa range kinerja keuangan dapat dikatakan baik. Hasil analisis data
juga menunjukkan bahwa kinerja perspektif Pelanggan yang diukur
menggunakan tolok ukur Customer Acquitition memperoleh skor -3 dan
Customer Retention memperoleh skor 5 sehingga total bobot skor
perspektif pelanggan adalah 2 dan skor rata-rata adalah 1 dimana hal ini
menunjukkan bahwa range kinerja perspektif pelanggan dapat
dikategorikan baik. Perspektif proses bisnis internal menggunakan
tolok ukur rasio Administrative Expens to Total Revenue (AETR)
memperoleh skor 0 sehingga range kinerja perspektif proses bisnis
internal dapat dikategorikan cukup baik. Perspektif pertumbuhan dan
pembelajaran menggunakan tolok ukur produktivitas karyawan memperoleh skor 3 dan Employee Trainee to total Employee (ETTE)
memperoleh skor -2 sehingga total bobot skor yang diperoleh ada 1 dan
skor rata-rata adalah 0,5 dimana hal tersebut menunjukkan bahwa range
kinerja perspektif pertumbuhan dan pembelajaran dapat dikategorikan
cukup baik.
Kata Kunci: Kinerja, Balanced Scorecard, Perspektif Keuangan,
Perspektif Pelanggan, Perspektif Proses Bisnis
Internal, Perspektif Pertumbuhan dan
Pembelajaran, PT. Bank Negara Indonesia Tbk.
ABSTRACT
Ika Mulyani. NIM 2021050101067. “Performance Analysis Using
the Balanced Scorecard Method at PT Bank Negara Indonesia
(Persero), Tbk”. Through Supervisors: Dr. Akmal ME, and Adzil
Arsyi Sabana, SE, ME.
This study aims to analyze the performance of PT Bank Negara
Indonesia (Persero), Tbk based on four Balanced Scorecard
perspectives, namely 1) Financial Perspective, 2) Customer
Perspective, 3) Internal Business Process Perspective and 4) Growth
and Learning Perspective. This research method is a descriptive
quantitative method using secondary data in the form of Bank Negara
Indonesia (BNI) Financial Statements for five (5) years, namely from
2019-2023. The results of data analysis show that financial
performance as measured using the Return On Asset (ROA) Ratio
indicator scores 2, Net Profit Margin (NPM) scores -1, Return On
Equity (ROE) scores 1, Operating Cost to Operating Income Ratio
(BOPO) scores 5 and Loan to Deposit Ratio (LDR) scores 2 so that the
total weight of the financial perspective score is 9 and the average score
is 1.8 which shows that the range of financial performance can be said
to be good. The results of the data analysis also show that the
performance of the Customer perspective as measured using the
Customer Acquitition benchmark obtained a score of -3 and Customer
Retention obtained a score of 5 so that the total weighted score of the
customer perspective was 2 and the average score was 1 where this
indicates that the range of performance of the customer perspective can
be categorized as good. The internal business process perspective using
the Administrative Expenses to Total Revenue (AETR) ratio
benchmark obtained a score of 0 so that the performance range of the
internal business process perspective could be categorized as quite
good. The growth and learning perspective using the employee
productivity benchmark obtained a score of -3 and Employee Trainee to total Employee (ETTE) obtained a score of -2 so that the total
weighted score obtained was 0 which indicates that the range of
performance of the growth and learning perspective can be categorized
as quite good.
Keywords: Performance, Balanced Scorecard, Financial
Perspective, Customer Perspective, Internal Business
Process Perspective, Growth and Learning
Perspective, PT Bank Negara Indonesia Tbk.
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | Kinerja, Balanced Scorecard, Perspektif Keuangan, Perspektif Pelanggan, Perspektif Proses Bisnis Internal, Perspektif Pertumbuhan dan Pembelajaran, PT. Bank Negara Indonesia Tbk. |
| Subjects: | 600 Teknologi dan Ilmu Terapan > 658 Manajemen Umum > 658.3 Manajemen Personalia, Manajemen Sumber Daya Manusia, Manajemen SDM > 658.306 Analisa Pekerjaan Manajemen Personalia |
| Divisions: | Fakultas Ekonomi dan Bisnis Islam > Prodi Ekonomi Syariah |
| Depositing User: | Unnamed user with email [email protected] |
| Date Deposited: | 06 Apr 2026 03:26 |
| Last Modified: | 06 Apr 2026 03:26 |
| URI: | http://digitallib.iainkendari.ac.id/id/eprint/4300 |
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