scholarly journals Manajemen Risiko Pada Bank Pembangunan Daerah Jawa Barat dan Banten Tbk

2021 ◽  
Vol 1 (2) ◽  
pp. 105
Author(s):  
Lutfi Alif Tiyani ◽  
Diah Febriyanti ◽  
Siti Ummi Munawaroh ◽  
Ulin Ni’mah
Keyword(s):  
Regional Development ◽  
Stock Exchange ◽  
Investment Risk ◽  
Development Bank ◽  
West Java ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Yield Risk ◽  
Period Data ◽  
Regional Development Bank

This study aims to identify and analyze risk management in banking, namely risk, operational risk, market risk, liquidity risk, legal risk, compliance risk, yield risk and investment risk. And to analyze the financial ratio reports for the first quarter and second quarter of 2020 at the West Java and Banten (BJB) Tbk development bank. This research uses descriptive quantitative method at PT. West Java and Banten Regional Development Bank Tbk (BJB) Tbk which are listed on the Indonesia Stock Exchange during the period 2018 to 2020. The sample in this study is PT. West Java Regional Development Bank and Banten Tbk (BJB) which are registered on the IDX and are still operating in the 2018-2020 period. Data collection tools in  this study are to use the method of observation on financial data at the bank and internet  research. The results of this study indicate the existence of smooth and bad conditions in management analysis and financial ratio analysis at BJB banks which consist of analysis of CAR, non-performing assets, CKPN, gross NPF, NPF Net, ROA, ROE, NI, NOM, BOPO, and FDR. The results of the overall calculation at PT. West Java Regional Development Bank and Banten Tbk, in the 2018-2020 period experienced an increase and decrease every year.

scholarly journals ANALISA RASIO TERHADAP LAPORAN KEUANGAN PADA PT. BANK PEMBANGUNAN DAERAH SULAWESI TENGAH

2021 ◽  
Author(s):  
Nursafitri
Keyword(s):  
Regional Development ◽  
Financial Statements ◽  
Financial Statement ◽  
Ratio Analysis ◽  
Development Bank ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Profitability Ratios ◽  
Central Sulawesi ◽  
Regional Development Bank

This research is entitled Ratio Analysis to the Financial Statements of PT. Central Sulawesi Regional Development Bank. This study aims to analyze financial statement ratios using the measurement of liquidity ratios, leverage ratios, profitability ratios, and banks have sufficient ability to take action in guaranteeing and paying off debts to creditors, and for the results of other financial ratio analysis.

Prosedur Pemberian Kredit Kepemilikan Rumah (KPR) PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor Cabang Subang

2020 ◽  
pp. 85-100
Author(s):  
Saryanti Saryanti ◽  
Yayat Sudrajat
Keyword(s):  
Regional Development ◽  
Mortgage Loan ◽  
Business Manager ◽  
Development Bank ◽  
West Java ◽  
Credit History ◽  
History Of ◽  
The Government ◽  
Regional Development Bank

PT.Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Adalah salah satu bank milik pemerintah yang memiliki tugas/kegiatan menghimpun dana dari masyarakat dan menyalurkan lagi kepada masyarakat dalam berbentuk kredit, serta memberikan pelayanan jasa-jasa lainnya. Salah satu jenis kredit yang diberikan oleh PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk adalah kredit pemilikan rumah (KPR). Berdasarkan kajian ini bahwa prosedur pemberian kredit pemilikan rumah (KPR) pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Terdiri dari : mengajukan surat permohonan kredit, wawancara, memenuhi persyaratan yang belum lengkap, mencari riwayat kredit calon debitur melalui database website Bank Indonesia (BI), verifikasi kunjungan (visit), penandatanganan daftar riwayat kredit beserta berkas aplikasi kredit oleh pihak Account Officer (AO), Bisnis Legal (BL), Cradit Risk (CR), manajer bisnis, pimpinan cabang, melakukan taksansi/ploting laporan pemeriksa akhir, pengecekan atas aspek yuridis atau legal atas dokumen agunan, pencairan dana kredit melalui pihak Hukum Administrai, mengingatkan kembali kepada debitur tentang jatuh tempo pembayaran angsuran kredit.   PT.Bank Regional Development of West Java and Banten, Tbk. Is one of the government-owned banks that have the task or activity to raise funds from the community and channel again to the community in the form of credit, and provide other services. One type of credit provided by PT. Regional Development Bank of West Java and Banten, Tbk is a mortgage loan (KPR). Based on the results of the final task of providing homeownership loan (KPR) at PT. Regional Development Bank of West Java and Banten, Tbk. Consists of: submitting loan application letter, interviewing, fulfilling incomplete requirements, seeking credit history of debtor candidate through Bank Indonesia website (BI) website, visit verification, signing of credit history list and credit application file by Account Officer (AO), Legal Business (BL), Cradit Risk (CR), business manager, branch manager, performs taxa

ANALISA KESEHATAN KEUANGAN PERUSAHAAN UNTUK MEMPREDIKSI KEBANGKRUTAN PERUSAHAAN DENGAN MENGGUNAKAN METODE ALTMAN (STUDI KASUS PADA PERUSAHAAN MANUFAKTUR SEKTOR KOMPONEN OTOMOTIF YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2011 – 2015)

2019 ◽  
Vol 13 (2) ◽  
pp. 55
Author(s):  
Indar Khaerunnisa ◽  
Edy Cahyadi
Keyword(s):  
Motor Vehicle ◽  
Stock Exchange ◽  
Secondary Data ◽  
Z Score ◽  
Financial Ratio ◽  
Average Value ◽  
Automotive Components ◽  
Grey Area ◽  
Financial Ratio Analysis ◽  
Year 2013

The Indonesian government has set the motor vehicle industry as one of the priority industries of the national interest, economic growth, and increased productivity. In order for the survival of a company is maintained, then the management should be able to maintain or even more spur increased performance. Various analyzes were developed to predict the beginning of the bankruptcy of the company. One analysis is widely used today is the analysis of Altman Z-Score, which this analysis refers to the financial ratios of the company. The purpose of this study was to analyze the bankruptcy of the automotive components companies that go public in Indonesia Stock Exchange year period 2011–2015. This study used a sample of four companies from the automotive components sector. Source of data is done by using secondary data. The data is processed by the method of the Z-score formula Z = 1,2X1 + 1,4X2 + 3,3X3 + 0,6X4 + 0,999X5. With the description of Z < 1,8 the company categorized into unhealthy/will be bankrupt, the value Z 1,8 < 2,99 the company is considered to be in the uncertain/grey area and the value of Z > 2,99 then the company is in a very healthy. In general, the results of these studies indicate that the four automtive components companies namely PT Astra Otoparts year 2011 value of Z = 14,67 year 2012 value of Z = 10,88 year 2013 value of Z = 13,90 year 2014 value of Z = 10,54 year 2015 value of Z = 4,94, PT Gajah Tunggal year 2011 value of Z = 5,72 year 2012 value of Z = 4,75 year 2013 value of Z = 3,10 year 2014 value of Z = 2,79 year 2015 value of Z = 1,58 and the average value of 2011-2015 periode Z = 3,59, PT Goodyear Indonesia year 2011 value of Z = 2,07 year 2012 value of Z = 2,44 year 2013 value of Z = 2,57 year 2014 value of Z = 2,02 year 2015 value of Z = 2,76, PT Indomobil Sukses Internasional year 2011 value of Z = 6,19 year 2012 value of Z = 3,99 year 2013 value of Z = 3,17 year 2014 value of Z = 2,59 year 2015 value of Z = 1,74. The average value 2011-2015 period showed 3 companies are in very healthy state and 1 company is in the uncertain/grey area. Keywords: Financial Ratio Analysis, Analysis of bankruptcy, Altman Z-Score Analysis, Automotive Components Company, Go Public.

scholarly journals RASIO KEUANGAN UNTUK MENGUKUR KINERJA PERUSAHAAN TELEKOMUNIKASI YANG TERDAFTAR DI BURSA EFEK INDONESIA PADA TAHUN 2017-2019

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Arniyatun Febi Hastuti ◽  
Istiatin Istiatin ◽  
Fithri Setya Marwati
Keyword(s):  
Financial Performance ◽  
Quantitative Research ◽  
Stock Exchange ◽  
Good Condition ◽  
Secondary Data ◽  
Poor Performance ◽  
Business World ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Solvency Ratio

Competition in the business world is increasingly competitive, so that companies are required to be able to control business activities better than competing companies. The purpose of this study is to determine the financial performance of telecommunications companies listed on the Indonesia Stock Exchange in terms of financial ratio analysis. The financial ratios used are liquidity ratios, solvability ratio, and profitability ratio. This type of research is qualitative and quantitative research. The research data used is secondary data obtained from the Indonesia Stock Exchange. The results of this study can be seen from the calculation of the liquidity ratio, solvency ratio, and profitability ratio at PT Indosat Tbk, PT XL Axiata Tbk, and PT Smartfren Tbk from 2017-2019 showing poor performance, while the solvency ratio and Net Profit Margin at PT Telekomunikasi Indonesia Tbk is already in good condition. Keywords: Financial Performance; Liquidity; Solvability; Profitability.

scholarly journals Pengaruh Capital Adequancy Ratio, Net Interest Margin,Biaya Operasional Pendapatan Operasional Dan Loan Deposit Ratio Terhadap Non Performing Loan Di Pt. Bank Pembangunan Daerah Bali Tahun 2009 – 2017

2020 ◽  
Vol 3 (1) ◽  
pp. 10-20
Author(s):  
Ni Wayan Eka Yuliani ◽  
A. A. Sri Purnami ◽  
I Gusti Ayu Athina Wulandari
Keyword(s):  
Regional Development ◽  
Linear Analysis ◽  
Development Bank ◽  
F Test ◽  
Independent Variables ◽  
Analysis Methods ◽  
Net Interest Margin ◽  
Regional Development Bank ◽  
Interest Margin

NPL is one indicator in assessing the soundness of banks. This study aims to examine the effect of CAR, NIM, BOPO and LDR on Non Performing Loans at PT. Regional Development Bank of Bali in the count of I - IV in 2009 - 2017 using multiple linear analysis methods. The results of this study produce an F Test which all independent variables (CAR, NIM, BOPO and LDR) have a liner / influence with NPL variables and partially, CAR has a significant and significant effect on NPL, NIM has a positive and not significant effect on NPL, influential BOPO positive and significant effect on NPL and LDR positive and not significant effect on NPL.  

scholarly journals The Impact of Bank Behavior, Financial Literacy on Investment Decisions, Mediation of Financial Inclusion and Debt Behavior. Study on Working Capital and Investment Debtors at Regional Development Bank Yogyakarta Indonesia

2021 ◽  
Vol 23 ◽  
pp. 626-635
Author(s):  
Heru Kristanto
Keyword(s):  
Regional Development ◽  
Financial Literacy ◽  
Investment Decisions ◽  
Financial Inclusion ◽  
Development Bank ◽  
Working Capital ◽  
Bank Behavior ◽  
The Impact ◽  
Regional Development Bank ◽  
Debt Behavior

Bank behavior, financial literacy, financial inclusion, debt behavior, and investment affect the economic growth of an industry. The purpose of this research is to examine the effect of bank behavior, financial literacy, financial inclusion, debt behavior on investment decisions of working capital and investment debtors in the Regional Development Bank of Yogyakarta. Indonesia. Examine the mediating role of financial inclusion, debt behavior on investment decisions. The research sample are 280 debtors. The analysis model used mediation regression with the PLS program. The results showed that: Bank behavior has an effect on financial inclusion. Bank behavior has an effect on debt behavior. Financial literacy has an effect on financial inclusion. Financial literacy has an effect on debt behavior. Financial inclusion mediates the effect of bank behavior on investment decisions. Debt behavior mediates the effect of financial literacy on investment decisions. The managerial implication of this research is: the flexibility of providing credit to customers, must be followed by control of the use of funds. Financial literacy, financial inclusion and higher debtor debt behavior will increase the movement of the industry. The right investment will improve entrepreneurial and banking performance.

scholarly journals Analisis Komparatif Laporan Keuangan PT. Wijaya Karya (Persero) Tbk dengan Industri Building Construction yang terdaftar Di Bursa Efek Indonesia Periode 2014-2019

2021 ◽  
Vol 6 (1) ◽  
pp. 1
Author(s):  
Dimas Iskandar ◽  
Bambang Santoso Marsoem
Keyword(s):  
Financial Performance ◽  
Stock Exchange ◽  
Financial Statements ◽  
Building Construction ◽  
Ratio Analysis ◽  
Analysis Method ◽  
Financial Reports ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Descriptive Statistical Analysis

This paper analyzes the financial performance of PT Wijaya Karya (Persero) Tbk. compared to the total industry based on Financial Ratio Analysis. The data used are the financial statements for the period 2014-2019 which are listed on the Indonesia Stock Exchange as many as 17 companies. Of these, 12 companies had complete financial reports. Thus the industrial data used in the sample in this paper is data from 12 companies. The data analysis method in this research is descriptive statistical analysis and financial ratio analysis. The results of this study are expected to be a benchmark in assessing the financial performance of PT Wijaya Karya Tbk

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