CREDIT RISK LEVEL ANALYSIS IN PT. BANK SULSELBAR

Authors

  • Bakhitah Hany Putri Program Studi Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
  • Amiruddin Tawe Program Studi Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
  • Nurman Nurman Program Studi Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
  • Anwar Ramli Program Studi Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
  • Ahmad Ali Program Studi Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia

DOI:

https://doi.org/10.54443/injoss.v1i3.29

Keywords:

Loan to Deposit Ratio, Non-Performing Loan

Abstract

This study aims to determine and analyze the level of credit risk in terms of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR) at PT. South Sulawesi Bank. The type of research used is descriptive quantitative. The population in this study is the financial statements of PT Bank Sulselbar from 2016-2020. While the sample in this study is the balance sheet and credit collectibility of PT Bank Sulselbar in 2016-2020. Data analysis techniques using the ratio of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR).

The results showed that the Non Performing Loan (NPL) of PT. Bank Sulselbar has met the standards set by Bank Indonesia and is included in the safe category because it does not exceed the predetermined limit. In such circumstances PT. Bank Sulselbar is said to be healthy. Loan to Deposit Ratio (LDR) PT. Bank Sulselbar has not met the standards set by Bank Indonesia, because the LDR value of PT. Bank Sulselbar which has exceeded the safe limit. This is PT. Bank Sulselbar is in the unhealthy category and it also shows that the bank's liquidity condition is in a less effective condition.

References

Dendawijaya, Lukman. 2005. Manajemen Perbankan Edisi kedua. Jakarta: Ghalia Indonesia.

Hasibuan, Malayu 2003. Dasar-Dasar Perbankan. Jakarta.Bumi Aksara.

Hasibuan, Melayu (2007), Manajemen: Dasar, Pengertian, dan Masalah, Edisi Revisi. Cetakan Keenam. Jakarta: Bumi Aksara.

Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: PT Alfabet.

Tampubolon, Robert. 2004.Manajemen Risiko (Pendekatan Kualitatif untuk Bank Komersil). Yogyakarta: Elex Media Komputindo.

Taswan.2006. Manajemen Perbankan. Yogyakarta: UPP STIM YPKP.

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Published

2022-09-06

How to Cite

Putri, B. H., Tawe, A. ., Nurman, N., Ramli, A. ., & Ali, A. . (2022). CREDIT RISK LEVEL ANALYSIS IN PT. BANK SULSELBAR. International Journal Of Humanities, Social Sciences And Business (INJOSS), 1(3), 263–270. https://doi.org/10.54443/injoss.v1i3.29

Issue

Vol. 1 No. 3 (2022): SEPTEMBER

Section

Articles

License

Copyright (c) 2022 Bakhitah Hany Putri, Amiruddin Tawe, Nurman Nurman, Anwar Ramli, Ahmad Ali

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.