Hoesen, Yudi Wahyudi and Veronica, M. Sienly (2011) Pengaruh Kinerja Keuangan Debitur Sektor Korporasi terhadap Besarnya Persentase Pemberian Kredit Modal Kerja di Bank BJB pada tahun 2010. In: Seminar Nasional Ke 3 Forum Manajemen Indonesia, 9-10 November 2011.
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Abstract
The purpose of this study was to determine and explain whether the debtor's financial performance affects lending decisions either simultaneously or partially in PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk or better known as Bank BJB. This study uses financial ratio analysis as a proxy of the financial performance of liquidity ratios, activity ratios, solvency ratios, and profitability ratios. The sample in this study consists of 30 borrowers who received loans for working capital loans in 2010. In this study, the data used are secondary data is debtors financial statements in 2009. Analysis tools used to test the effect of financial performance against the decision to provision of credit in the Bank BJB is multiple regression analysis. The amount of disbursement of the loans obtained through the calculation of working capital needs of the debtor where the research is used as the dependent variable. Debtor's financial ratios used are liquidity ratios, solvency ratios, activity ratios, and profitability ratios. In the liquidity ratio, the parameter of this ratio is current ratio, quick ratio, and net working capital. In Solvency ratio, the parameter is debt to total asset ratio and debt to equity ratio. The activity ratio’s parameter is collection period, inventory turnover, and total asset turnover. Profitability ratio’s parameter is the net profit margin, return on investment and return on equity. The eleven parameters are independent variables in this study. The results of this study indicate that simultaneous financial ratios significantly influence the provision of credit. Partial analysis results show that the variable Current Ratio (CR), Quick Ratio (QR), Debt to Asset (DA), Collection periods (CP), Asset Turnover (AT) and Profit Margin (PM) effect partially on the percentage of credit.
| Item Type: | Conference or Workshop Item (Paper) |
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| Uncontrolled Keywords: | banks, provision of credit (WCL), Financial Ratios |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management |
| Depositing User: | Perpustakaan Maranatha |
| Date Deposited: | 13 Jan 2016 09:00 |
| Last Modified: | 13 Jan 2016 09:00 |
| URI: | http://repository.maranatha.edu/id/eprint/18128 |
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