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ANALISIS LAPORAN KEUANGAN DEBITUR (PERORANGAN) SEBAGAI PERTIMBANGAN REALISASI KREDIT USAHA RAKYAT (KUR) DI BANK PEMBANGUNAN DAERAH JATIM CABANG BATU

Arafah, Jehan (2012) ANALISIS LAPORAN KEUANGAN DEBITUR (PERORANGAN) SEBAGAI PERTIMBANGAN REALISASI KREDIT USAHA RAKYAT (KUR) DI BANK PEMBANGUNAN DAERAH JATIM CABANG BATU. Other thesis, University of Muhammadiyah Malang.

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Abstract

This is type of descriptive research with case study research method that uses financial statement analysis as an analytical tool with the title "Analysis of Financial Statement of Debtor (Individual) For Consideration of Actual People's Business Credit (KUR) in East Java Development Bank Regional Branch of Batu City". The purpose of this study is to determine the use of financial statement analysis at Bank Jatim branch of Batu city as consideration the realization of people's business credit (KUR). The data used are the primary data that is direct interview to the informant and secondary data in the form of financial statements of the debtor (individual) People's Business Credit (KUR), which has been collected by Bank Jatim branch of Batu city. Analytical technique used is the analysis of financial statements with the first procedure presents a debtor's financial statements in the form of balance sheet and income statement of the debtor. The second is analysis of the financial statements with financial ratios. And the last of these analyzes can be known whether the company is worth or do not deserve credit. The analysis showed that the company is able to produce monthly net income exceeds the amount of monthly installments that have been established BPD Jatim in Batu branch according to the filing company's credit based of Rp. 100,000,000, - namely Rp.3. 321 431, - for 36 months. From the results of the study also note that the analysis conducted by the bank on the Rose flower trade company is using financial statements in the form of balance sheet and income statement and then using financial ratio analysis, but not all are used, only the ratio of liquidity ratios, profitability and solvency. So the bank knows the company's financial condition from year to year. By doing this analysis the Bank can make conclusion about the bank's financial condition for the realization of small loans considerations (KUR).

Item Type: Thesis (Other)
Subjects: H Social Sciences > HJ Public Finance
Divisions: Faculty of Economics > Diploma of Banking and Finance (61406)
Depositing User: Fitriana Kasiani
Date Deposited: 28 Sep 2015 04:07
Last Modified: 28 Sep 2015 04:07
URI : http://eprints.umm.ac.id/id/eprint/18533

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