Jurnal Administrasi Bisnis Nusantara
Vol 5 No 2 (2026): Juli

Analisis Kinerja Keuangan Terhadap Keputusan Pemberian Kredit Pada Bank Bri Kota Bengkulu

Nansi Rianindita (Sekolah Tinggi Ilmu Administrasi Bengkulu)
Yuli Yusnita (Sekolah Tinggi Ilmu Administrasi Bengkulu)

Article Info

Publish Date
23 Jul 2026

Abstract

This study aims to analyze the effect of financial performance on credit decision-making at Bank BRI Bengkulu City, focusing on credit risk and banking policies. The research method used is descriptive quantitative with a financial ratio analysis approach for the 2022–2024 period, including liquidity, solvency, profitability, and credit risk ratios. The results show that the financial performance of Bank BRI Bengkulu City positively and significantly affects credit decision-making. Improved liquidity and profitability increase management’s confidence in extending credit, while credit risk control through the 5C principle helps reduce potential non-performing loans. Therefore, good financial performance serves as a strategic foundation in strengthening sustainable credit decision-making.

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Journal Info
Jurnal Administrasi Bisnis Nusantara
Website

Abbrev

jabn

Publisher

Sekolah Tinggi Ilmu Administrasi Bengkulu

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

Jurnal Administrasi Bisnis Nusantara was first published in January 2022 and is published twice a year, in January and July. The editor invites writers and researchers to contribute research articles or conceptual articles in the field of Administration and Business. The editor has the right to ...