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Project’s Detail

DESKRIPSI TUGAS AKHIR :
ANALISIS KINERJA KEUANGAN BERDASARKAN RASIO LIKUIDITAS, SOLVABILITAS DAN RENTABILITAS STUDI KASUS PADA PT. BANK CENTRAL ASIA, TBK PERIODE 2014-2019
Abstrak (Abstracts)
This research was conducted to determine the development of financial performance at PT. Bank Central Asia, Tbk by using the ratio analysis technique that is often used in banking, in this study the ratios used are the ratio of liquidity, solvency and profitability. This study used descriptive qualitative method. Based on the results of research and discussion, it can be concluded that the liquidity ratio for the 2014-2019 period at PT. Bank Central Asia, Tbk has fluctuated but tends to experience an increase due to economic and global factors that affect the interest rates for third party funds and loans extended. The solvency ratio for the 2014-2019 period tends to increase due to PT. Bank Central Asia, Tbk has a policy to maintain the capital structure and profitability of dividend distribution policies. The profitability ratio for the 2014-2019 period tends to experience a decline and a fluctuating increase due to allowance for impairment losses (CKPN), a decrease in dividends to meet growth targets and manage risks and low interest rates have an effect on net interest income. Penelitian ini dilakukan untuk mengetahui perkembangan kinerja keuangan pada PT. Bank Central Asia, Tbk dengan menggunakan teknik analisis rasio-rasio yang sering digunakan dalam perbankan, dalam penelitian ini rasio yang digunakan adalah rasio likuiditas, solvabilitas dan rentabilitas. Penelitian ini menggunakan metode deskriptif kualitatif. Berdasarkan hasil penelitian dan pembahasan dapat disimpulkan bahwa rasio rikuiditas periode 2014-2019 pada PT. Bank Central Asia, Tbk mengalami fluktuatif namun cenderung mengalami peningkatan disebabkan faktor ekonomi dan global yang berpengaruh terhadap tingkat suku bunga dana pihak ketiga dan kredit yang disalurkan. Rasio solvabilitas periode 2014-2019 cenderung mengalami kenaikan disebabkan PT. Bank Central Asia, Tbk memiliki kebijakan untuk menjaga struktur modal dan profitabilitas dari kebijakan pembagian deviden. Rasio rentabilitas periode 2014-2019 cenderung mengalami penurunan dan kenaikan fluktuatif disebabkan beban cadangan kerugian penurunan nilai (CKPN), penurunan dividen untuk memenuhi target pertumbuhan dan mengelola risiko dan suku bunga yang rendah berpengaruh terhadap pendapatan bunga bersih

Keyword : Loan to Deposit Ratio (LDR), Quick Ratio (QR), Capital Adequency Ratio (CAR), Debt to Equity Ratio (DER), Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin ( NIM) Identifying Movements of Financial Ratios

Nilai Properti
: FEBRIANTI, : 962017017, : Politeknik Negeri Balikpapan, : KEUANGAN DAN PERBANKAN, : 2020, : Indonesia, : Tugas Akhir, : Prepustakaan Poltekba,

 

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Pembimbing
Hasto Finanto, S.E., M.Sc.

E-mail :hasto.finanto@poltekba.ac.id

www.poltekba.ac.id
Nurul Musfirah Khairiyah, S.E., M.M.

E-mail :

www.poltekba.ac.id