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Adi Siswanto
Politeknik LP3I Makassar, Indonesia
Religion Humanities Education Social Sciences Other

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ANALISIS KINERJA KEUANGAN PADA PT BUKIT BAHARI INDAH Abdul Wahab; Ahmad Firdaus; Adi Siswanto
Cross-border Vol. 4 No. 1 (2021): Cross-border
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat Institut Agama Islam Sultan Muhammad Syafiuddin Sambas Kalimantan Barat

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Abstract

The research as outlined in this Final Project aims to determine the analysis of financial performance at the company PT Bukit Bahari Indah. The research method used in this study is a quantitative descriptive approach, which is to analyze financial performance with the financial report media for the period 2018-2020 using the current ratio approach. , debt to equity ratio and net profit margin. The results of the research on the financial performance of PT Bukit Bahari Indah, the results obtained for the current ratio for the period 2018-2019 experienced an increasing trend, while in 2019-2020 there was a downward trend. The debt to equity ratio for three years, namely the period 2018-2020, experienced a significant downward trend, while net profit margins also experienced a downward trend for three years.
SISTEM PENGAMBILAN KEPUTUSAN KREDIT PADA PT PEGADAIAN (PERSERO) CABANG PELITA MAKASSAR Ahmad Firdaus; Adi Siswanto; Abdul Wahab
Cross-border Vol. 4 No. 1 (2021): Cross-border
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat Institut Agama Islam Sultan Muhammad Syafiuddin Sambas Kalimantan Barat

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Abstract

The purpose of this study was to determine the decision-making system for multipurpose credit creation at PT Pegadaian (Persero) Pelita Makassar Branch. The type of research used is descriptive qualitative where the author describes the results of observations and analyzes the data obtained in the field. Research conducted at PT Pegadaian (Persero) Pelita Makassar Branch from April to July 2021. The type of research used is descriptive qualitative, namely the author describes the results of observations and direct interviews. After conducting research and analyzing the discussion, it was found that: 1) The results showed that the credit decision-making system at PT Pegadaian (Persero) Pelita Makassar branch, namely creative credit consisted of a multipurpose creation credit decision-making mechanism divided into a credit limit of IDR 1,000,000.00 up to IDR 10,000,000.00 flat interest rate is 1.25% per month while the credit limit is IDR 10.100.000,00 up to IDR 50,000,000.00 flat interest rate of 1.15% per month and the decision maker is a micro analysis; 1) The mechanism for making credit decisions for multipurpose creations with a credit limit of IDR 50.100.000,00 up to IDR 100,000,000.00 flat interest rate is 1.05% per month and the decision maker is Asmen micro; 3) The purpose of granting multiguan creative credit is to assist individual customer businesses that require funds as working capital so that debtors can develop and expand their business.
Co-Authors Abdul Wahab Ahmad Firdaus