Penggunaan Analisis Rasio Keuangan pada Laporan Keuangan Debitur terhadap Pemberian Kredit Sepeda Motor oleh PT BCA Multi Finance Cabang Pangkalpinang

Abstract

This reaserch focuses on the use of financial ratio analysis from debtor financial reports in making decisions regarding granting Motorcycle Credit to PT BCA Multi Finance Pangkalpinang Branch. To measure the debtor's financial health, the financial ratio used by creditors in making decisions regarding granting motorbike loans is the Debt Service Ratio (DSR). Debt Service Ratio (DSR) is the ratio of the amount of debt to the income received each month. PT BCA Multi Finance sets the maximum percentage limit for Debt Service Ratio (DSR) at 33%. Motorbike credit applications will be approved if the prospective debtor's DSR calculation results are below 33% and will be rejected if the prospective debtor's DSR calculation results are above 33%. The type of information source used in this research is interviews. The data analysis method used in this research is descriptive analysis. The results of the research show that financial report information will be used as a basis for consideration in making decisions about granting Motorcycle Credit to PT BCA Multi Finance Pangkalpinang Branch