ANALISIS RASIO KEUANGAN TERHADAP KINERJA KEUANGAN PT. BANK PERKREDITAN RAKYAT JAWA TIMUR PERIODE 2015-2018

Abstract

This research aimed to find out and analyze the financial ratio of PT. Bank Perkreditan Rakyat Jawa Timur on the financial performance and the importance of financial ratio analysis for stakeholders PT. Bank Perkreditan Rakyat Jawa Timur which was measured by tree ratio, namely liquidity, solvency, and profitability. The research was descriptive-quantitative. The population was all financial statements of PT. Bank Perkreditan Rakyat Jawa Timur. While, the instrument used documentation in the form of financial statements of balance sheets and financial statements of income 2015 – 2018. Moreover, the data used secondary in which taken from PT. Bank Perkreditan Rakyat Jawa Timur with a time series analysis method to find out and understand the financial performance of PT. Bank Perkreditan Rakyat Jawa Timur 2015 – 2018 with Microsoft Excel. The research result concluded liquidity ratios were in an efficient state of financial percormance, solvency ratios were in an efficient state of financial percormance, and profitability ratios were in an efficient state of financial percormance.

Keywords: liquidity, solvency, profitability, financial performance