ANALISA LAPORAN KEUANGAN DALAM EFEKTIVITAS PENILAIAN PERMOHONAN KREDIT
STUDI KASUS PADA BANK MAYAPADA KANTOR FUNGSIONAL WAYHALIM
Keywords:
Financial reports, ratio analysis, the effectiveness of credit application assessment
Abstract
The purpose of this study is to ascertain how well Bank Mayapada Wayhalim Functional Office evaluates credit applications by examining financial statements. In this study, quantitative methods are combined with descriptive research methods. The financial reports of bank customers from 2020 to 2022 that were gathered from bank paperwork make up the processed data. By conducting credit checks on potential borrowers and determining the curent ratlo, quiick ratlo, debt to equityy ratlo, debt to asset ratlo, proflt margln, return onn assets, and return ln equlty, anaIysis of flnancial statements was successful in improving bank effectiveness in managing liquidity, solvency, and profitability.
References
[1] Undang-Undang RI, “Pengertian Bank (Undang-Undang RI Nomor 10 Tahun 1998).” 1998.
[2] Bank Mayapada Kantor Fungsional Way Halim, Data Pengajuan Kredit My Loan.
[3] A. Rivai, “Pengaruh Kepemimpinan Transformasional dan Budaya Organisasi Terhadap Kinerja Karyawan,” J. Ilm. Magister Manaj., vol. 3, no. 213–223, p. 2, 2022.
[4] I. G. N. Suteja, “Analisis Kinerja Keuangan Dengan Metode Altman Z-Score Pada PT Ace Hardware Indonesia Tbk,” J. Akunt. Dan Keuang., vol. 5, no. 12–17, p. 1, 2018, doi: https://doi.org/10.31294/moneter.v5i1.
[5] M. Maulana, “Analisis Kinerja Keuangan Pada PT Bayan Resource Tbk Per 2015-2017,” Res. J. Account. Bus. Manag., vol. 2, no. 146–160, p. 2, 2018, doi: https://doi.org/10.31293/rjabm.v2i2.
[6] Kasmir, Analisis Laporan Keuangan, Pertama. Depok: Rajawali Pres, 2018.
[7] S. Iqbal, “Analisa Laporan Keuangan Nasabah Dan Perananya Dalam Kebijakan Pemberian Kredit Pada PT Bank Rakyat Indonesia (PERSERO) Tbk. Kantor Cabang Sungguminas,” 2018.
[2] Bank Mayapada Kantor Fungsional Way Halim, Data Pengajuan Kredit My Loan.
[3] A. Rivai, “Pengaruh Kepemimpinan Transformasional dan Budaya Organisasi Terhadap Kinerja Karyawan,” J. Ilm. Magister Manaj., vol. 3, no. 213–223, p. 2, 2022.
[4] I. G. N. Suteja, “Analisis Kinerja Keuangan Dengan Metode Altman Z-Score Pada PT Ace Hardware Indonesia Tbk,” J. Akunt. Dan Keuang., vol. 5, no. 12–17, p. 1, 2018, doi: https://doi.org/10.31294/moneter.v5i1.
[5] M. Maulana, “Analisis Kinerja Keuangan Pada PT Bayan Resource Tbk Per 2015-2017,” Res. J. Account. Bus. Manag., vol. 2, no. 146–160, p. 2, 2018, doi: https://doi.org/10.31293/rjabm.v2i2.
[6] Kasmir, Analisis Laporan Keuangan, Pertama. Depok: Rajawali Pres, 2018.
[7] S. Iqbal, “Analisa Laporan Keuangan Nasabah Dan Perananya Dalam Kebijakan Pemberian Kredit Pada PT Bank Rakyat Indonesia (PERSERO) Tbk. Kantor Cabang Sungguminas,” 2018.
Published
2024-01-10
How to Cite
NETY KUMALASARI, & NILUH TIARA JULIANTI. (2024). ANALISA LAPORAN KEUANGAN DALAM EFEKTIVITAS PENILAIAN PERMOHONAN KREDIT . Dinamika: Jurnal Manajemen Sosial Ekonomi, 4(1), 01-06. https://doi.org/10.51903/dinamika.v3i2.409
Section
Articles
