ANALISIS PERANAN RASIO KEUANGAN TERHADAP KEPUTUSAN PEMBIAYAAN PADA BANK BRI SYARI’AH CABANG MALANG

Abstract

The aims of this research is to interpret: (1) influences of bank financial ratios
to loan decision at Bank BRI Syari’ah Cabang Malang, (2) which are financial ratio
variabels that affect expenditure decision.
This research is used descriptive design. The sample that used in this research
is Bank BRI Syari’ah Cabang Malang by the year 2006. The method of analysis data
used Multiple Linear Regression Analysis SPSS FOR WINDOWS 11.00
The result of this research concludes that on simultan, loan to assets ratio, rate
of return on loan ratio, capital adequacy ratio, assets utilization ratio, total deposits, and
loan to deposit ratio have significant influences to total loans at Bank BRI Syari’ah
Cabang Malang in 2006. Partially, rate of return on loan ratio, assets utilization ratio,
total deposits, and loan to deposit ratio have significant and positive influences to total
loans at Bank BRI Syari’ah Cabang Malang, but loan to assets ratio and capital
adequacy ratio have no influences to total loans at Bank BRI Syari’ah Cabang Malang.
Total deposit as dominant variable that influencing loans decision at Bank BRI Syari’ah
Cabang Malang.