ANALISA LAPORAN KEUANGAN SEBAGAI ALAT UNTUK MENILAI KINERJA KEUANGAN PADA PT. BPR MANDIRI DANA SEJAHTERA MADIUN

Ristanawati, Tian (2007) ANALISA LAPORAN KEUANGAN SEBAGAI ALAT UNTUK MENILAI KINERJA KEUANGAN PADA PT. BPR MANDIRI DANA SEJAHTERA MADIUN. Other thesis, University of Muhammadiyah Malang.

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Abstract

This study aimed to find out find out the company's financial performance in managing the bank's funds at PT. RB Dana Sejahtera Mandiri Madiun using ratio analysis The data used are secondary data is data obtained indirectly but the data has been published by the relevant agencies. Secondary data used in the author form the company's financial statements comprising balance sheet and profit / loss from 2003-2005. These data were analyzed using ratio analysis .. The results show that when viewed the quick ratio Liquidity ratio banks can not be said liquid in which the level of bank-owned quick ratio of 25.16, 13:13 and 6.82, Ratio Banking in 2003, 2004, 2005 have increased, this suggests the bank has gained trust from outsiders who are considered capable of completing the obligation short-term and Loan to Assets Ratio in 2003, and 2004 increased, which means in the bank's ability to meet customer loans increased by using the assets or in good condition. Judging from the ratio of capital to Primary Ratio in 2003, and 2004 increased, which means that in years to refute the ability of the bank in assets due to various losses that can not be dihidari in good condition, Capital Ratio in 2003, 2004 and 2005 has decreased, which means the year in the bank's ability to disprove the amount of customer loans in bad condition and Capital Ratio Adequaty in 2003, 2004 and 2005 has decreased, thus the Bank lacks sufficient capital to cover possible failures in the provision of credit While looking at the profitability ratios of Gross Profit Margin in 2003, 2004 and 2005 has increased, which means the year in the bank's ability to produce good operating profit, net profit margin in 2003, 2004 and 2005 has decreased, which means that in the year the bank the ability to generate sufficient net income bad. and Return on Equity and Net Income to Total Assets in 2003 and 2004 has decreased, which means that in the bank's ability to generate net income through the use of capital is less well Based on the above conclusions, the suggestions can be given to the company are: to see there is still a reduction of the Quick ratio, banks should set policy liquidity by establishing a self kebiaksanaan liquiditing approach. That approach to increase bank liquidity by increasing the repayment of loans and investments in marketable securities sruat, in accordance with the due dates and the Management of the Bank should be able to suppress the lowest possible cost of funds by way of choosing the composition of the source of funds or foreign capital which will provide the lowest cost .

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 26 Jun 2012 07:21
Last Modified: 26 Jun 2012 07:21
URI: http://eprints.umm.ac.id/id/eprint/9684

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