ANALISIS KINERJA KEUANGAN PT. BPR. DANAYASA DITINJAU DARI CAPITAL, ASSET QUALITY, EARNING DAN LIQUIDITY

Abstract

This study is entitled "Financial Performance Analysis of PT. BPR. Danayasa In Terms of Capital, Asset Quality, Earning and Liquidity ". This type of research used in this research is descriptive research. The data analysis method used in this study is to use an assessment of the financial performance of Bank Perkreditan Rakyat (BPR), in accordance with Bank Indonesia Decree No. 30/12 / KEP / DIR April 30, 1997 by evaluating Capital Factors, Earning Assets Factors, Quality Factors, Profitability Factors, and Liquidity Factors. The type of data in this study is in the form of quantitative data, while the data source in this study uses secondary data sources. The results of this study generally indicate the financial performance of PT. BPR. Danayasa in healthy predicate, where the capital factor with an average CAR ratio of 35.07% or > 8%, the quality factor of productive assets which includes two components, namely the ratio of earning assets classified to productive assets, with an average yield ratio 2.58% or <10.35% and for the second ratio results in the assessment of the quality of productive assets, with an average ratio of 100% or > 81%. Profitability factors include ROA and BOPO with the results of the measurement of the average ROA ratio of 3.70% or > 1.22% and the BOPO ratio which is an average of 73.48%, the results of this ratio are far below 93.52% and the liquidity factor include Cash Ratio and LDR with an average Cash ratio measurement of 38.64% or > 4.05% and an average LDR ratio of 70.67% with the results of this ratio PT.BPR. Danayasa is able to keep the LDR below 93.75%.