PERANAN LAPORAN KEUANGAN DALAM KEBIJAKSANAAN PEMBERIAN KREDIT KEPADA CALON NASABAH PADA PT. BPR BATANG KAPAS

Ananda Rahmi Shanjaya · Doni Marlius

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Banking Sector Performance and Management Financial Analysis and Corporate Governance Financial Literacy and Behavior

Abstract

The objective to be achieved in this study is to find out how the financial statement analysis of PT. BPR Batang Kapas in giving credit to prospective customers. In analyzing data, the author uses qualitative data analysis as a research method that explains descriptively about the role of financial statements in the policy of giving credit to prospective customers of PT. BPR Batang Kapas. Research Results The total operating income of PT. BPR Batang Kapas in 2015 was Rp. 4,127,157,198 while in 2016 it was Rp. 4,614,930,633. While the operating profit and loss of PT. BPR Batang Kapas in 2015 was IDR 552,086,280 and in 2016 was IDR 627,180,472. it can be seen that the national financial profit of PT. BPR Batang Kapas has increased by Rp 75,094,192. It is clear that PT. BPR Batang Kapas benefited from 2015 to 2016. Both in terms of the amount of operating income, operating income or net income at PT. BPR Batang Kapas. But based on the data on the ratio of Liquidity, Solvability, and Profitability see the percentage that exists at PT. BPR Batang Kapas, there is a possibility that credit can be given to prospective customers.

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2018Analisis kritis atas laporan keuangan 2001Manajemen Keuangan : Teori dan Aplikasi 2021ANALISIS LAPORAN KEUANGAN

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