Pengaruh Analisis Rasio Keuangan Terhadap Pemberian Kredit Modal Kerja Jangka Menengah Pada PT Bank Rakyat Indonesia, Tbk Cabang Puteri Hijau, Medan
The purpose of this research is to analyss and explain the influence of debtor financial analysis ratio in individual (partial) way to credit distribution in PT Bank Rakyat Indonesia, Tbk Cabang Puteri Hijau, Medan. This research is done to 30 sample which still received middle term of working capital credit from Januari 2006 until Januari 2008.The distribution credit in this case, through the calculation of debtor working capital needs, used as dependent variable. Debtor financial analysis ratio uses financial analysis ratio that is Liquidity Ratio, Leverage Ratio, Activity Ratio, and Profitability Ratio. In Liquidity ratio, the parameter are Working Capital To Total Asset Ratio, Current Ratio and Quick Ratio. Parameter of Leverage ratio is Debt to equity ratio. Parameter of Activity ratio is Account Raceivable Turn Over. Parameter of Profitability ratio are Net Profit Margin and Return On Investment. Those seventh parameter are independen variable. Analysis model that is used to view the influence of debtor financial analysis ratio to credit distribution is Doubled Regression Model. Researcher uses amos 16.0 to analyss data. Hypothesis testing is done with partial signification test (uji t) from independen variable to dependen variable. The result of this research show that only Account Recevaible Turn Over that has influence to credit distribution in partial method, but Working capital to total asset ratio, Current Ratio, Debt to Equity Ratio, dan Return On Investment have no influence to credit distribution in partial way.
Year of publication: |
2011-10-05
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Authors: | Purba, Rosani |
Other Persons: | Nurzaimah (contributor) |
Subject: | Working Capital Credit (KMK) | Rasio-Rasio Keuangan | Current Ratio (CR) | Working Capital To Total Asset Ratio (WC/TA) | Quick Ratio (QR) | Account Recevaible Turn Over (ARTO) | Return On Investment (ROI) |
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