ANALISIS LAPORAN KEUANGAN SEBAGAI SALAH SATU ALAT PENILAIAN PEMBERIAN KREDIT PADA BRI CABANG NGAWI

SRI WAHYUNINGSIH

Abstract


This research is a descriptive research in Bank Rakyat Indonesia Cabang Ngawi. The title is ?ANALISIS LAPORAN KEUANGAN SEBAGAI SALAH SATU ALAT PENILAIAN PEMBERIAN KREDIT PADA BANK BRI CABANG NGAWI?.
The purpose of this research is to know the capability of BRI Cabang Ngawi in analyzing the financial report that is propose by the debitur candidate to know how far the financial analysis report take a part in taking decision on credit application.This research is using descriptive analysis, that this research is try to tell and broke the problem that exist based on the data. So that these research also serve the data, analyze and interpret it.The method of analysis data that is used is The Comparison Report of Financial Analysis, Source Analysis and The Use of Capital Work, Component Analysis Percentage Report and Analysis Ratio that consist of Likuidity Ratio, Solvability Ratio, Rentability Ratio and Activity Ratio.Result of the analysis from the financial report of goth company show that ?X? Company has more opportunity to have the loan from the bank. The ?Y? Company has less opportunity because there is decreasing in likuidity and solvability side. This is show that there is a bank consideration in deciding the loan giving. So that the financial report of the candidate have to show the real financial report of the candidate, so that the loan effect could be sigh beside considered another thing such as 5C principle.From the conclusion above can be gained an implication as follow: the arrangement of financial report should be match or oriented to the SAK, so we can get the right accounting information because SAK is arranging how to measure, estimate, manufactured and communicate an accounting information. The financial report that transferred by the company to propose a credit in large amount it is better if the financial report has examine by KAP to take care the financial report. So that it can help in decreasing credit from crediture bank.

 

Keyword : Analisis Laporan Keuangan; Pemberian Kredit

 

Link Terkait : http://skripsi.umm.ac.id/files/disk1/27/jiptummpp-gdl-s1-2004-sriwahyuni-1322-jiptumm--n.pdf

Keywords


Analisis Laporan Keuangan; Pemberian Kredit