Project’s Detail

ANALISIS LAPORAN KEUANGAN MENGGUNAKAN RASIO LIKUIDITAS, PROFITABILITAS, DAN SOLVABILITAS PADA PT. BANK MUAMALAT INDONESIA TBK. PERIODE 2014-2019

Abstrak (Abstracts)

This study aims to determine the causes of decreasing and increasing movements in Liquidity Ratios (Quick Ratio, Banking Ratio, and Loan to Deposit Ratio), Profitability Ratios (Net Profit Margin, Return On Assets, and Return On Equity Capital), and Solvency Ratios ( Primary Ratio and Capital Adequacy Ratio) PT. Bank Muamalat Indonesia Tbk. during the 2014-2019 period. This research is a quantitative descriptive analysis research. The data used are secondary data in the form of annual financial reports obtained from the official website of PT. Bank Muamalat Indonesia Tbk. The results of this study indicate that the Liquidity Ratio seen from the Quick Ratio has decreased due to the decline in cash assets, the Banking Ratio has decreased because the total deposits held by the Bank are small, the Loan to Deposit Ratio has also decreased due to the decrease in total loans distributed by the Bank, the Profitability Ratio is seen from Net Profit Margin has decreased due to an increase and decrease in Bank revenue, Return on Assets has decreased due to decreased profit before tax and total assets, Return On Equity Capital has also decreased due to decreased net income, and the Solvency Ratio seen from the Primary Ratio has experienced increase because total assets are greater than equity, and the Capital Adequacy Ratio has increased due to an increase in securities. Penelitian ini bertujuan untuk mengetahui penyebab dari pergerakan penurunan dan kenaikan pada Rasio Likuiditas (Quick Ratio, Banking Ratio, dan Loan to Deposit Ratio), Ratio Profitabilitas (Net Profit Margin, Return On Assets, dan Return On Equity Capital), dan Rasio Solvabilitas (Primary Ratio dan Capital Adequacy Ratio) PT. Bank Muamalat Indonesia Tbk. selama periode 2014-2019. Penelitian ini merupakan penelitian Analisis Deskriptif Kuantitatif. Data yang digunakan adalah data sekunder berupa laporan keuangan tahunan yang diperoleh dari situs resmi PT. Bank Muamalat Indonesia Tbk. Hasil penelitian ini menunjukkan bahwa Rasio Likuiditas dilihat dari Quick Ratio mengalami penurunan karena menurunnya cash asset, Banking Ratio mengalami penurunan karena total deposit yang dimiliki Bank sedikit, Loan to Deposit Ratio juga mengalami penurunan karena menurunnya total loans yang disalurkan oleh Bank, Rasio Profitabilitas dilihat dari Net Profit Margin mengalami penurunan karena adanya kenaikan dan penurunan pada pendapatan Bank, Return On Assets mengalami penurunan karena menurunnya laba sebelum pajak dan total aktiva, Return On Equity Capital juga mengalami penurunan karena menurunnya laba bersih yang dihasilkan, dan Rasio Solvabilitas dilihat dari Primary Ratio mengalami kenaikan karena total aktiva lebih besar daripada equity, dan Capital Adequacy Ratio mengalami kenaikan karena adanya peningkatan pada securities.

Keyword : Financial Ratio Analysis, Liquidity Ratio, Profitability Ratio, Solvency Ratio

Nilai Properti

Penulis : FITRI WIDYAWATI, NIM : 962017032, Penerbit : Politeknik Negeri Balikpapan, Program Studi : KEUANGAN DAN PERBANKAN, Tahun : 2020, Bahasa : Indonesia, Jenis Penelitian : Tugas Akhir, Lokasi : Prepustakaan Poltekba,

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