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<![CDATA[ANALISIS RASIO SOLVABILITAS PADA PT BANK SULUT ]]>
<![CDATA[kalesaran, Christie Natalia]]>;
<![CDATA[Pelleng, Frendy]]>;
<![CDATA[Keles, Dantje]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS (JAB) Vol 1, No 002 (2014): Administrasi Bisnis ]]>
Publisher : <![CDATA[Sam Ratulangi University ]]>
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DOI: 10.35797/jab.1.002.2014.5154.%p
<![CDATA[: To cover the shortage of funds, the company will need to obtain funds from its own capital and of leadership. When combining these two sources of funds is called the ratio of borrowed funds or solvency ratio or leverage ratio, which recognizes the extent of the company's assets is financed by debt. The solvency ratio is a tool to measure the wealth assessment company. For this study entitled: Solvency Ratio Analysis in PT Bank of North Sulawesi. Analysis solvency ratio is the ratio used to measure the extent to which the company's assets financed with debt, so that the company can measure the ability to pay all of its liabilities, both short and long term. This study used a descriptive method and analyze the company's financial statements, in particular the analysis the solvency of the PT Bank of North Sulawesi. To determine the extent of the bank's ability to seek funding, to finance their activities and the ability of some element of equity to assets in terms of efficiency. The results show that financial performance under conditions of solvability is the source of funds and property companies, total assets and total liabilities of the company is likely to increase from year to year. Primary level ratio showed a trend increase from year to year; Risk Assets Ratio levels tended to increase from year to year; Capital Ratio experienced a rising trend from year to year, except in 2012 due to declining reserves or losses on earning assets. So the Capital Adequacy Ratio (CAR) also showed rising trend. In conclusion, the level of Primary Ratio, Risk Assets Ratio, Capital Ratio and Capital Adequacy Ratio (CAR) shows the trend of the increase; PT Bank of North Sulawesi can be said as a solvent company, the level of capital adequacy or CAR can be met from 2010 to 2013. As a suggestion, the company's ability to raise or provide funds rely more improved, can satisfy funding for operational activities, in order to increase the level of CAR PT Bank of North Sulawesi remains solvable. Key Word : (Analysis, Solvency Ratio)]]>
<![CDATA[ANALISA KINERJA KEUANGAN DALAM PENINGKATAN LABA PADA PT. JASA RAHARJA (PERSERO) ]]>
<![CDATA[Sepang, Syane Amelia]]>;
<![CDATA[Pelleng, Frendy]]>;
<![CDATA[Tampi, Dolina]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS (JAB) Vol 1, No 002 (2014): Administrasi Bisnis ]]>
Publisher : <![CDATA[Sam Ratulangi University ]]>
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DOI: 10.35797/jab.1.002.2014.5159.%p
<![CDATA[The most important thing for the company to determines financial performance in the matter of financial report is to acknowledge the outcome of financial performance in order to compete in the economic development to maintain study performance of the company. In order to evaluate the performance, the calculation using profitability ratio and achieves Gross Profit Margin Net Profit Margin every year advance, because every year income experience increase. The analysis score over Return on Asset/ Return on Investment instability, because to the increase in profit in the third year is not to large compared with the previous year. For Return on Equity decreased, because income earned each year not by the equity every year, because despite rising profit, rising equity is greater than the profit. On the Profit Margin and Economical Rentability has increased, as earnings before interest and taxes in the financial statements in the financial statements on income (loss) from operations increased, and that the company’s revenue underwriting income indicates that the increase is happening and therefore contributes to the increase in Profit Margin and Economical Rentability every year. And the outcome of above analysis can be sean on PT. Jasa Raharja (Persero) financial performance can be said well achieved, because there are fluctuation in every year. Dispite on the RoA and RoE having a bit of downside, and the company has to increase RoA and RoE in order for having eficienly increasment. However the overall company financial performance having a well forward achievement every year with the increasment of company profit. Key Word : ( Financial Performance, Profitability]]>
<![CDATA[ANALISIS SUMBER DAN PENGGUNAAN MODAL KERJA PADA PT. BANK TABUNGAN NEGARA, (PERSERO) TBK. CAB. MANADO ]]>
<![CDATA[MASWATU, A GHAZALI]]>;
<![CDATA[PELLENG, FRENDY]]>;
<![CDATA[Tampi, Dolina]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS (JAB) Vol 4, No 2 (2016): JURNAL ADMINISTRASI BISNIS ]]>
Publisher : <![CDATA[Sam Ratulangi University ]]>
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DOI: 10.35797/jab.4.2.2016.12079.%p
<![CDATA[ABSTRACT- Sources and uses of working capital determines the success of a banking company. Assessment of working capital in principle lead to; current assets, current liabilities and Working Capital Turnover. The purpose of this study was to determine how the implementation of the analysis of sources and uses of working capital at PT. Bank Tabungan Negara, Tbk, . branch Office of Manado. The method used is descriptive method using a quantitative approach to the analysis of financial statements. Data and datasource is the annual report data from PT. Bank Tabungan Negara Tbk, Limited, Branch Office Manado fiscal year 2013 and 2014. The results showed that: (1) The role of the sources and uses of working capital as a whole, showing the level of effectiveness and efficiency is maintained so the security of the banking financial turnaround can work well and do not affect workers at the PT. Bank Tabungan Negara Tbk. Branch Manado., (2) development of the use of working capital PT. Bank Tabungan Negara, Tbk Branch Manado from years 2013 - 2014 corresponding financial statement analysis had experienced an increase in which the total assets to net working capital ratio shows the change of + 3.87; Current Liabilities to net working capital ratio shows changes + 3.577 and Working Capital Turnover ratio shows the change of + 2.933. Observing the development of resources and the use of working capital at PT. Bank Tabungan Negara Tbk. shows the rate of change increased (+), then it is suggested, that the bank's management constantly review, evaluate and assess reports of capital sources and uses of working capital so that it can ensure the performance of banking services increasingly better in the future.Keywords: Source of Funds, Use of Funds, Working Capital]]>
<![CDATA[ANALISIS MANAJEMEN MODAL KERJA ( STUDI KASUS PADA PT BANK TABUNGAN NEGARA Tbk) ]]>
<![CDATA[LIKUPANG, YOKSAN]]>;
<![CDATA[PELLENG, FRENDY]]>;
<![CDATA[TAMPI, DOLINA]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS (JAB) Vol 4, No 2 (2016): JURNAL ADMINISTRASI BISNIS ]]>
Publisher : <![CDATA[Sam Ratulangi University ]]>
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DOI: 10.35797/jab.4.2.2016.12085.%p
<![CDATA[Working capital management contains two meanings, namely gross working capital which is the total of current assets and net working capital as the difference between current assets less current liabilities. The goal of working capital management is to manage current assets to guarantee the amount of net working capital are acceptable which assure the level of liquidity of the enterprise.The purpose of research is to find out how the implementation of working capital management at the State Savings Bank Tbk branch of Manado. The method used is descriptive method using a quantitative approach to the analysis of financial statements, data and data sources obtained from PT. Bank Tabungan Negara, Tbk Branch Manado.The results showed that, Ratio of Total Assets to net working capital pads in 2013 amounted to 9.089 and in 2014 amounted to 12.959. This indicates that the ratio of total assets to working capital secured by current assets and current liabilities; Ratio Current Liabilities towards working capital PT. Bank Tabungan Negara, Tbk in 2013 amounted to 8.288 and pads in 2014 amounted to 11.865. This shows that the ratio of Current Liabilities PT. Bank Tabungan Negara, Tbk is stable; Working Capital Turnover Ratio (Revenues to net working capital ratio) in 2013 amounted to 8.008 and in 2014 amounted to 10.941. That means there are increased every year from 2013 to 2014 by a margin of 2.933. This increase was due to an increase in net working capital.It is recommended that PT. Bank Tabungan Negara, Tbk Branch Manado always pay attention to working capital management in particular has always perform financial statement analysis, among others, the calculation; total assets to net working capital ratio, current liabilities to net working capital ratio, working capital to net revenues ratio, so that the bank's management to answer the challenges of the banking world today is increasingly complex. Also regarding the employee's performance and strategy planning and development resources to the challenges the banking world today is increasingly complex, it is necessary diperhatkan by the Bank management .Keywords: total assets, current liabilities, turnover working capital.]]>
<![CDATA[ANALISIS SUMBER DAN PENGGUNAAN MODAL KERJA PADA PT. BANK TABUNGAN NEGARA, (PERSERO) TBK. CAB. MANADO ]]>
<![CDATA[MASWATU, A GHAZALI]]>;
<![CDATA[PELLENG, FRENDY]]>;
<![CDATA[TAMPI, DOLINA]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS (JAB) Vol 4, No 2 (2016): JURNAL ADMINISTRASI BISNIS ]]>
Publisher : <![CDATA[Sam Ratulangi University ]]>
Show Abstract
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Download Original
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Check in Google Scholar
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DOI: 10.35797/jab.4.2.2016.12251.%p
<![CDATA[ABSTRACT- Sources and uses of working capital determines the success of a banking company. Assessment of working capital in principle lead to; current assets, current liabilities and Working Capital Turnover. The purpose of this study was to determine how the implementation of the analysis of sources and uses of working capital at PT. Bank Tabungan Negara, Tbk, . branch Office of Manado. The method used is descriptive method using a quantitative approach to the analysis of financial statements. Data and datasource is the annual report data from PT. Bank Tabungan Negara Tbk, Limited, Branch Office Manado fiscal year 2013 and 2014. The results showed that: (1) The role of the sources and uses of working capital as a whole, showing the level of effectiveness and efficiency is maintained so the security of the banking financial turnaround can work well and do not affect workers at the PT. Bank Tabungan Negara Tbk. Branch Manado., (2) development of the use of working capital PT. Bank Tabungan Negara, Tbk Branch Manado from years 2013 - 2014 corresponding financial statement analysis had experienced an increase in which the total assets to net working capital ratio shows the change of + 3.87; Current Liabilities to net working capital ratio shows changes + 3.577 and Working Capital Turnover ratio shows the change of + 2.933. Observing the development of resources and the use of working capital at PT. Bank Tabungan Negara Tbk. shows the rate of change increased (+), then it is suggested, that the bank's management constantly review, evaluate and assess reports of capital sources and uses of working capital so that it can ensure the performance of banking services increasingly better in the future.Keywords: Source of Funds, Use of Funds, Working Capital]]>
<![CDATA[ANALISIS MANAJEMEN MODAL KERJA ( STUDI KASUS PADA PT BANK TABUNGAN NEGARA Tbk) ]]>
<![CDATA[LIKUPANG, YOKSAN]]>;
<![CDATA[PELLENG, FRENDY]]>;
<![CDATA[TAMPI, DOLINA]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS (JAB) Vol 4, No 2 (2016): JURNAL ADMINISTRASI BISNIS ]]>
Publisher : <![CDATA[Sam Ratulangi University ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35797/jab.4.2.2016.12257.%p
<![CDATA[Working capital management contains two meanings, namely gross working capital which is the total of current assets and net working capital as the difference between current assets less current liabilities. The goal of working capital management is to manage current assets to guarantee the amount of net working capital are acceptable which assure the level of liquidity of the enterprise.The purpose of research is to find out how the implementation of working capital management at the State Savings Bank Tbk branch of Manado. The method used is descriptive method using a quantitative approach to the analysis of financial statements, data and data sources obtained from PT. Bank Tabungan Negara, Tbk Branch Manado.The results showed that, Ratio of Total Assets to net working capital pads in 2013 amounted to 9.089 and in 2014 amounted to 12.959. This indicates that the ratio of total assets to working capital secured by current assets and current liabilities; Ratio Current Liabilities towards working capital PT. Bank Tabungan Negara, Tbk in 2013 amounted to 8.288 and pads in 2014 amounted to 11.865. This shows that the ratio of Current Liabilities PT. Bank Tabungan Negara, Tbk is stable; Working Capital Turnover Ratio (Revenues to net working capital ratio) in 2013 amounted to 8.008 and in 2014 amounted to 10.941. That means there are increased every year from 2013 to 2014 by a margin of 2.933. This increase was due to an increase in net working capital.It is recommended that PT. Bank Tabungan Negara, Tbk Branch Manado always pay attention to working capital management in particular has always perform financial statement analysis, among others, the calculation; total assets to net working capital ratio, current liabilities to net working capital ratio, working capital to net revenues ratio, so that the bank's management to answer the challenges of the banking world today is increasingly complex. Also regarding the employee's performance and strategy planning and development resources to the challenges the banking world today is increasingly complex, it is necessary diperhatkan by the Bank management .Keywords: total assets, current liabilities, turnover working capital.]]>
<![CDATA[ANALISIS RASIO SOLVABILITAS PADA PT BANK SULUT ]]>
<![CDATA[Christie Natalia kalesaran]]>;
<![CDATA[Frendy Pelleng]]>;
<![CDATA[Dantje Keles]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS Vol. 1 No. 002 (2014): Administrasi Bisnis ]]>
Publisher : <![CDATA[Universitas Sam Ratulangi ]]>
Show Abstract
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DOI: 10.35797/jab.v1.i002.%p
<![CDATA[: To cover the shortage of funds, the company will need to obtain funds from its own capital and of leadership. When combining these two sources of funds is called the ratio of borrowed funds or solvency ratio or leverage ratio, which recognizes the extent of the company's assets is financed by debt. The solvency ratio is a tool to measure the wealth assessment company. For this study entitled: Solvency Ratio Analysis in PT Bank of North Sulawesi. Analysis solvency ratio is the ratio used to measure the extent to which the company's assets financed with debt, so that the company can measure the ability to pay all of its liabilities, both short and long term. This study used a descriptive method and analyze the company's financial statements, in particular the analysis the solvency of the PT Bank of North Sulawesi. To determine the extent of the bank's ability to seek funding, to finance their activities and the ability of some element of equity to assets in terms of efficiency. The results show that financial performance under conditions of solvability is the source of funds and property companies, total assets and total liabilities of the company is likely to increase from year to year. Primary level ratio showed a trend increase from year to year; Risk Assets Ratio levels tended to increase from year to year; Capital Ratio experienced a rising trend from year to year, except in 2012 due to declining reserves or losses on earning assets. So the Capital Adequacy Ratio (CAR) also showed rising trend. In conclusion, the level of Primary Ratio, Risk Assets Ratio, Capital Ratio and Capital Adequacy Ratio (CAR) shows the trend of the increase; PT Bank of North Sulawesi can be said as a solvent company, the level of capital adequacy or CAR can be met from 2010 to 2013. As a suggestion, the company's ability to raise or provide funds rely more improved, can satisfy funding for operational activities, in order to increase the level of CAR PT Bank of North Sulawesi remains solvable. Key Word : (Analysis, Solvency Ratio)]]>
<![CDATA[ANALISA KINERJA KEUANGAN DALAM PENINGKATAN LABA PADA PT. JASA RAHARJA (PERSERO) ]]>
<![CDATA[Syane Amelia Sepang]]>;
<![CDATA[Frendy Pelleng]]>;
<![CDATA[Dolina Tampi]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS Vol. 1 No. 002 (2014): Administrasi Bisnis ]]>
Publisher : <![CDATA[Universitas Sam Ratulangi ]]>
Show Abstract
|
Download Original
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Original Source
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DOI: 10.35797/jab.v1.i002.%p
<![CDATA[The most important thing for the company to determines financial performance in the matter of financial report is to acknowledge the outcome of financial performance in order to compete in the economic development to maintain study performance of the company. In order to evaluate the performance, the calculation using profitability ratio and achieves Gross Profit Margin Net Profit Margin every year advance, because every year income experience increase. The analysis score over Return on Asset/ Return on Investment instability, because to the increase in profit in the third year is not to large compared with the previous year. For Return on Equity decreased, because income earned each year not by the equity every year, because despite rising profit, rising equity is greater than the profit. On the Profit Margin and Economical Rentability has increased, as earnings before interest and taxes in the financial statements in the financial statements on income (loss) from operations increased, and that the company’s revenue underwriting income indicates that the increase is happening and therefore contributes to the increase in Profit Margin and Economical Rentability every year. And the outcome of above analysis can be sean on PT. Jasa Raharja (Persero) financial performance can be said well achieved, because there are fluctuation in every year. Dispite on the RoA and RoE having a bit of downside, and the company has to increase RoA and RoE in order for having eficienly increasment. However the overall company financial performance having a well forward achievement every year with the increasment of company profit. Key Word : ( Financial Performance, Profitability]]>
<![CDATA[ANALISIS SUMBER DAN PENGGUNAAN MODAL KERJA PADA PT. BANK TABUNGAN NEGARA, (PERSERO) TBK. CAB. MANADO ]]>
<![CDATA[A GHAZALI MASWATU]]>;
<![CDATA[FRENDY PELLENG]]>;
<![CDATA[Dolina Tampi]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS Vol. 4 No. 2 (2016): JURNAL ADMINISTRASI BISNIS ]]>
Publisher : <![CDATA[Universitas Sam Ratulangi ]]>
Show Abstract
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DOI: 10.35797/jab.v4.i2.%p
<![CDATA[ABSTRACT- Sources and uses of working capital determines the success of a banking company. Assessment of working capital in principle lead to; current assets, current liabilities and Working Capital Turnover. The purpose of this study was to determine how the implementation of the analysis of sources and uses of working capital at PT. Bank Tabungan Negara, Tbk, . branch Office of Manado. The method used is descriptive method using a quantitative approach to the analysis of financial statements. Data and datasource is the annual report data from PT. Bank Tabungan Negara Tbk, Limited, Branch Office Manado fiscal year 2013 and 2014. The results showed that: (1) The role of the sources and uses of working capital as a whole, showing the level of effectiveness and efficiency is maintained so the security of the banking financial turnaround can work well and do not affect workers at the PT. Bank Tabungan Negara Tbk. Branch Manado., (2) development of the use of working capital PT. Bank Tabungan Negara, Tbk Branch Manado from years 2013 - 2014 corresponding financial statement analysis had experienced an increase in which the total assets to net working capital ratio shows the change of + 3.87; Current Liabilities to net working capital ratio shows changes + 3.577 and Working Capital Turnover ratio shows the change of + 2.933. Observing the development of resources and the use of working capital at PT. Bank Tabungan Negara Tbk. shows the rate of change increased (+), then it is suggested, that the bank's management constantly review, evaluate and assess reports of capital sources and uses of working capital so that it can ensure the performance of banking services increasingly better in the future.Keywords: Source of Funds, Use of Funds, Working Capital]]>
<![CDATA[ANALISIS MANAJEMEN MODAL KERJA ( STUDI KASUS PADA PT BANK TABUNGAN NEGARA Tbk) ]]>
<![CDATA[YOKSAN LIKUPANG]]>;
<![CDATA[FRENDY PELLENG]]>;
<![CDATA[DOLINA TAMPI]]>
<![CDATA[ JURNAL ADMINISTRASI BISNIS Vol. 4 No. 2 (2016): JURNAL ADMINISTRASI BISNIS ]]>
Publisher : <![CDATA[Universitas Sam Ratulangi ]]>
Show Abstract
|
Download Original
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Original Source
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Check in Google Scholar
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DOI: 10.35797/jab.v4.i2.%p
<![CDATA[Working capital management contains two meanings, namely gross working capital which is the total of current assets and net working capital as the difference between current assets less current liabilities. The goal of working capital management is to manage current assets to guarantee the amount of net working capital are acceptable which assure the level of liquidity of the enterprise.The purpose of research is to find out how the implementation of working capital management at the State Savings Bank Tbk branch of Manado. The method used is descriptive method using a quantitative approach to the analysis of financial statements, data and data sources obtained from PT. Bank Tabungan Negara, Tbk Branch Manado.The results showed that, Ratio of Total Assets to net working capital pads in 2013 amounted to 9.089 and in 2014 amounted to 12.959. This indicates that the ratio of total assets to working capital secured by current assets and current liabilities; Ratio Current Liabilities towards working capital PT. Bank Tabungan Negara, Tbk in 2013 amounted to 8.288 and pads in 2014 amounted to 11.865. This shows that the ratio of Current Liabilities PT. Bank Tabungan Negara, Tbk is stable; Working Capital Turnover Ratio (Revenues to net working capital ratio) in 2013 amounted to 8.008 and in 2014 amounted to 10.941. That means there are increased every year from 2013 to 2014 by a margin of 2.933. This increase was due to an increase in net working capital.It is recommended that PT. Bank Tabungan Negara, Tbk Branch Manado always pay attention to working capital management in particular has always perform financial statement analysis, among others, the calculation; total assets to net working capital ratio, current liabilities to net working capital ratio, working capital to net revenues ratio, so that the bank's management to answer the challenges of the banking world today is increasingly complex. Also regarding the employee's performance and strategy planning and development resources to the challenges the banking world today is increasingly complex, it is necessary diperhatkan by the Bank management .Keywords: total assets, current liabilities, turnover working capital.]]>
