ANALISIS VARIABEL-VARIABEL YANG MEMPENGARUHI PENENTUAN PELUANG KOLEKTIBILITAS DEBITUR KREDIT MODAL KERJA PADA BANK X (PERSERO) Tbk CABANG BANYUWANGI

Abstract

Growth and development of the business world in recent years took place very quickly and rapidly. Banks can help businesses by providing conveniences to the sectors which require in order to stimulate the acceleration of business development with the provision of credit for example. In the process of lending there are at least two risks that occur ie operational risks (operational risk) and business risk (business risk). Each facility has a level of interest payments on the principal possibility of realization of different or the collectibility of the different levels between the debtor. The purpose of this study were 1) to determine and analyze the profiles of two groups namely the debtor's current debtor and the debtor are not fluent in working capital and 2) to assess the financial ratios Which indicators can be distinguishing variables and determine the collectibility of debtors current opportunities and debtors not smooth. Type of data used in this study the type of secondary data sample type of purposive sampling. Analysis techniques in this study using two analysis of financial ratio analysis and discriminant analysis. From the analysis of the results obtained for the profile group borrowers have an average current value of financial ratios that are higher than the non-current debtors. The ratio is the Current Ratio (x1), Quick Ratio (x2), Equity to Total Assets (x3), Return on Assets (x5) and Return on Earning i (x6), while in debtor's group profile is not smooth, there are two financial ratios Earning higher the debt ratio (x4) and Debt ratio (x7). From the results obtained from discriminant analysis to the seven financial ratios are used, there are two financial ratios that can be used as an indicator of financial performance that may distinguish the opportunities of working capital loan collectibility of debtors. Financial ratios are Return on Assets (X5) and the Debt Ratio (X7) level of precision obtained from the results of this study amounted to 99.89%.