ANALISIS KINERJA FINANSIAL SEBAGAI SALAH SATU TOLAK UKUR BANK UNTUK PENGAMBILAN KEPUTUSAN DALAM PROSES PEMBERIAN KREDIT (STUDI KASUS PADA PT. BANK CENTRAL ASIA)

Kurniasari, Ratna Endah (2009) ANALISIS KINERJA FINANSIAL SEBAGAI SALAH SATU TOLAK UKUR BANK UNTUK PENGAMBILAN KEPUTUSAN DALAM PROSES PEMBERIAN KREDIT (STUDI KASUS PADA PT. BANK CENTRAL ASIA). Other thesis, University of Muhammadiyah Malang.

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ANALISIS_KINERJA_FINANSIAL_SEBAGAI_SALAH_SATU_TOLAK_UKURBANK_UNTUK_PENGAMBILAN_KEPUTUSAN_DALAM_PROSES_PEMBERIAN_KREDIT.pdf - Published Version

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Abstract

Bank represent one of the financial institution collecting fund of society and channelling it again through gift of bank kredit. Function can walk better if banking can work professionally, can read gap and analyse all business activity, and also can read market. For to out of job avoiding it fund which there are in bank, hence banking have to be more ekspansif to real sktor by giving aid in the form of giving of credit. Aspect getting the more attention from bank party is monetary aspect. One of them monetary analyzer which used by bank side is ratio analysis of finansial. ratio analysis of Finansial represent one of the instrument analyse company achievement explaining various monetary indicator and relation, which is ditunjukan for menunjukan of[is change in the condition of achievement or finance operate for company of past and assist to depict pattern tren change of tersebut,yang later;then risk menunjukan and coherent opportunity at pertinent company. Formula of problem of from this research is: (1) Do ratio analysis of finansial have an effect on in taker of decision of giving of credit of PT. Bank of Central Asian of Tbk. Cabag Probolinggo? (2) How bank measure prospect is effort (Competitor, buyer, pemasok, part of substitution) debitor candidate in decision making?. So that/ to be this research do not extend and do not experience of mistake, hence problems above in limiting at: (1) Financial statement Candidate debitor the used is financial statement per 31 December 2007, per 30 December 2008. (2) Type credit the checked is working capital. Research type the used is case study having the character of descriptive which look for answer by base about causality from an occurence phenomenon and test causality of available datas. Type and Source Data (1) Data Primary (2) Data of Sekunder. Technique Data Collecting: (1) Documentation, (2) Interview. Technics of Analysis Data (1) Depicting Analysis giving of Credit. With analysis of trend this will seen do that company presentation mount or downhill during certain periose. Model ratio analysis the used is: (a) Ratio of Likuiditas ( b) Solvency Ratio (c) Ratio Rentability (d) Ratio Activity (e) Ratio of Coverage (f) Other Ratio. (2) Analysing role of monetary ratio for the, base of intake of decision of giving of credit (3) Analysis Prospect of Effort Candidate debitor. Pursuant to result of research obtained by the following result: (1) Factors which is considered in giving of credit cover factor of finansial and non finansial. Where both is supporting each other in influencing decision of giving of credit by a bank. (2) From result of calculation of research obyek have ability to be given by credit by finansial because guarantee which is up to standard diagunkan that way also the things of with calculation of financial analysis show competent debitor to be given by credit by Bank side of BCA Probolinggo. (3) From calculation is non finansial by debitor bank party is also assumed competent to accept credit. (4) If paid attention in agreement of credit in this research domicile bank as creditor with debitor have never is well-balanced. Difference domicile that because stronger bank than debitor because making agreement is bank side and debitor tend to to agree any kind of conditions raised by bank side. Though fill agreement comprise one sided clausal tending to or more beneficial or protect importance of bank.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Anwar Jasin
Date Deposited: 10 Jul 2012 04:08
Last Modified: 10 Jul 2012 04:08
URI: http://eprints.umm.ac.id/id/eprint/11668

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