ANALISIS TINGKAT RESIKO KREDIT PADA PT BANK BUKOPIN Tbk --

ABSTRAK
Widianti, 2021. Analisis Tingkat Resiko Kredit Dengan Menggunakan Credit Risk Ratio, Analisis Trend Dan Common size Pada PT. Bank Bukopin Tbk, Dosen Pembimbing I Bapak Muhammad Suyudi, S.E., M. SA., Ak., CA, dan dosen pembimbing II Bapak Lewi Patabang, S.E,. M.M,.
Tujuan dari penelitian ini adalah untuk mengetahui tingkat resiko kredit ditinjau dari Non Performing Loan (NPL) pada Bank Bukopin Tbk dengan menggunakan Credit Risk Ratio, Analisis Trend, dan Common size. Alat analisis penelitian ini meliputi Credit Risk Ratio, Analisis Trend, dan Common size. Berdasarkan hasil analisis Credit Risk Ratio menunjukan bahwa dilihat dari rata-rata persentase tingkat risiko kredit pada PT Bank Bukopin Tbk sebesar 6,1% maka persentase resiko kredit pada PT Bank Bukopin berada diatas ketetapan Bank Indonesia yaitu 5% dan masuk dalam kategori cukup sehat. Dan untuk Analisis Trend menunjukan bahwa kolektibilitas kredit mengalami fluktuasi setiap tahunnya, sedangkan Common size juga menunjukan bahwa kolektiblitas kredit mengalami fluktuasi terhadap total kolektibilitas kredit.
Kata-Kata Kunci: Credit Risk Ratio, Analisis Trend,Common size, dan Kolektibilitas.
viii
ABSTRACT Widianti, 2021. Credit Risk Level Analysis Using Credit Risk Ratio, Trend Analysis and Common Size At PT Bank Bukopin Tbk, Supervisor I Mr. Muhammad Suyudi, S.E., M. SA., Ak., CA, and Supervisor II Mr. Lewi Patabang, S.E,. M.M,. The purpose of this study was to determine the level of credit risk in terms of Non Performing Loans (NPL) at Bank Bukopin Tbk using Credit Risk Ratio, Trend Analysis, and Common Size. The analysis tools of this research include Credit Risk Ratio, Trend Analysis, and Common Size. Based on the results of the analysis of the Credit Risk Ratio shows that seen from the average percentage level of credit risk at PT Bank Bukopin Tbk of 6.1% then the percentage of credit risk at PT Bank Bukopin is above the Bank Indonesia stipulation of 5% and is in the fairly healthy category. And for Trend Analysis, it shows that credit collectibility fluctuates every year, while Common size also shows that credit collectibility fluctuates to total credit collectibility.
Keywords: Credit Risk Ratio, Trend Analysis, Common Size, and Collectibility.