Peranan Rasio Likuiditas, Rasio Profitabilitas dan Rasio Solvabilitas Perusahaan Sebagai Bahan Pertimbangan Dalam Pengambilan Keputusan Pemberian Kredit Pada PT. Bank Panin Cabang Pemuda Medan

The objective of this research is to examine the effect if leverage, liquidity, and profitability ratio to working capital credit at PT. BNI (Persero) Tbk Medan. Leverage is represented by Debt to Total Assets Ratio, liquidity is represented by Quick Ratio and profitability is represented by Net Profit Margin and Return On Investment. These financial ratios are used by creditor to make decision for credit approval. The research populations are debitor who are apply for credit approval and approve by bank as long as 2007 until 2008. This research uses purposive sampling method and the sample of this research is 32 debitors. Secondary data are debitur’s financial ratios. This research used simple regression and multiple regression as analysis model. The statistic method being used is multiple linear regression with the model being tested previously in classic assumptions. The result of this research indicates that Debt to Total Assets Ratio, Quick Ratio, Net Profit Margin, Return On Investment have simultaneously influenced to working capital credit. Meanwhile, this research indicates that only Debt to Total Assets Ratio has partially influenced to working capital credit, but Quick Ratio, Net Profit Margin, and Return On Investment have no partially influenced to working capital credit.