Analiza Finansowa Ekonomicznej Kondycji Na Przykkadzie Polskiej Instytucji Finansowej. (Financial Analysis of the Economic Health of the Example of Polish Financial Institution)

ABSTRAK Peningkatan jumlah alat tangkap multigear (jaring rampus dan jaring udang) berbanding terbalik dengan penurunan jumlah produksi hasil tangkapan utamanya yaitu, ikan Kembung dan Udang Putih sejak tahun 2014 hingga tahun 2015. Sulitnya pembiayaan investasi dan pengembangan usaha penangkapan multigear di Pelabuhan Perikanan Pantai Tawang membuat sebagian besar Nelayan terikat pada sistem ijon (Patron-Klien), sehingga menyebabkan penerimaan Nelayan tidak maksimal karena harga jual yang ditetapkan rendah dari pihak Bakul (Patron) selaku pemberi pinjaman modal. Untuk itu, perlu adanya analisis finansial apabila Nelayan tidak terikat sistem ijon.Berdasarkan permasalahan tersebut, tujuan dari penelitian ini adalah, menganalisis kelayakan finansial untuk mengatahui apakah hingga saat ini usaha penangkapan multigear terikat sistem ijon masih layak untuk dilanjutkan, serta menganalisis bagaimana kelayakan finansial usaha apabila Nelayan tidak terikat sistem ijon.Hasil perhitungan analisis finansial usaha penangkapan multigear terikat sistem ijon discount rate 5% ialah, R/C ratio 1,79, PP 3,112, NPV Rp. 340.654.823,79., Net Net B/C ratio 1,41 dan IRR 13,26%. Sedangkan, hasil analisis finansial usaha penangkapan multigear memanfaatkan lembaga keuangan discount rate 9% ialah, R/C ratio 1,99, PP2,388, , NPVRp. 384.956.100,17., Net Net B/C ratio3,50 dan IRR 50,10% Berdasarkan nilai-nilai tersebut usaha penangkapan multigear terikat sistem ijon masih layak untuk dilanjutkan, namun usaha ini akan lebih layak untuk dijalankan apabila memanfaatkan lembaga keuangan. Kata kunci: Analisis Finansial; Penangkapan Multigear; PPP Tawang ABSTRACT The increasing number of using multi-fishing gear (rampus net and trammel net) was inversely with the amount of decreasing production of each target catch, these were long jowed mackerel (restrelliger sp.) and white shrimp (paneaus sp.), since 2014 till 2015. The difficulty of financial and development business investment arrest multi-fishing gear makes most of the fishermen attached to small seller ( patron-client system). This condition makes fisherman couldn’t get maximum revenue cause of the selling low price from small seller as the Lender of Capital. Based on these problems, the aims of it research are, analysis the feasibility financial to find out weather till today its business still feasible to continue, and how is the analysis business feasibility if the fishermen not bound to ijon system (patron-client).The calculation result of financial analysis multi-fishing gear business bound to ijon system by discount rate 5% are, R/C ratio 1,79, PP 3,112, NPV Rp. 340.654.823,79.,, Net Net B/C ratio 1,41, and IRR 13,26%. Whereas, the result of financial analysis multi-fishing gear business use financial institution discount rate 9% are, R/C ratio 1,99, PP2,388, , NPVRp.384.956.100,17., Net Net B/C ratio3,50 and IRR 50,10%. According to those values multi-fishing gear business that bound to ijon sytem is still feasible to continue, But this business will be recognised to run better when use financial institutions. Keywords: Financial Analysis, Multi-Fishing Gear, PPP Tawang

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Analisis Kinerja Keuangan berdasarkan Rasio Keuangan pada PT. BPR. Saptacristy Utama

Jurnal Agribisnis dan Agrowisata (Journal of Agribusiness and Agritourism) ◽

10.24843/jaa.2017.v06.i01.p16 ◽

2017 ◽

Author(s):

NI LUH KOMANG AYU PRADNYANI ◽

I NYOMAN GEDE USTRIYANA ◽

I GUSTI AYU AGUNG LIES ANGGRENI

Keyword(s):

Financial Performance ◽

Activity Ratio ◽

Financial Analysis ◽

Financial Institution ◽

Capital Adequacy ◽

Return On Assets ◽

Return On Equity ◽

Leverage Ratio ◽

Capital Adequacy Ratio ◽

Net Profit

Analysis of Finece Performance Base on Fund Finance Ratio of PT. BPR. Saptacristy UtamaRural Banks (BPR) is a formal financial institution that has a function as a financialintermediary, especially on the national microfinance system. The study aimed tofind out the financial performance of PT. BPR. Saptacristy Utama when it wasanalyzed based on the financial ratios during the period of 2011 to 2015. Based onthe results of the financial analysis, liquidity ratio is categorized good, when viewedfrom the average cash ratio and the average loans to deposit ratio. The solvency ratiois said to be good, judging by the average capital adequacy ratio. Activity ratio isquite good when viewed from the multiplier leverage ratio and asset utilization ratiothat continue to increase. The profitability ratio is classified to be good,as can beseen on the average net profit margin, return on assets and return on equity. PT. BPR.Saptacristy Utama is expected to maintain its financial performance by strengtheningits business activities to increase the amount of its assets, the amount of thedistribution of funds in the form of loans and the placement of funds in other banksshould also be increased, revenue of operations and profits for subsequent yearsshould beincreased, as well as improving sale and service to its customers andprospective customers.

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Impact of reputational loss on financial performance of the bank

Proceedings of 6th International Scientific Conference Contemporary Issues in Business, Management and Economics Engineering ‘2019 ◽

10.3846/cibmee.2019.008 ◽

2019 ◽

Author(s):

Daiva Jurevičienė ◽

Ksenija Kravec

Keyword(s):

Financial Performance ◽

Financial Analysis ◽

Financial Institution ◽

Geometric Mean ◽

Measurement Model ◽

Primary Data ◽

Intangible Asset ◽

Impact Measurement ◽

The Impact ◽

Financial Organisation

Purpose – the purpose of the article is to identify the criteria influencing on the reputational performance of a financial organisation and recognise the impact of reputation on the activities of a financial institution. Research methodology – to estimate the reputational impact on a financial organisation an interview with experts was conducted. In order to process the received data SAW, COPRAS and geometric mean methods were used. The mentioned methods were applied for performance measurement to ensure the inclusion of the reputation-sensitive data. Findings – the weakest position of the financial company in terms of reputational condition implies decreased efficiency of its performance. The degree of reputation and the impact of repercussions on the organisation’s performance can be further measured through financial analysis. Research limitations – the financial organisation analysed in the current study does not provide services for local clients, hence there is no possibility to obtain primary data from direct interactors. Practical implications – the research results provide insight towards key areas to look on while conducting root-cause analysis for decrease of financial performance; reputational impact measurement model can be used for further planning processes related to the future repercussions prevention. Originality/Value – literature overview results prove that it is still argued over the way reputational impact could be measured due to the fact that organizational reputation is attributed to a long-term intangible asset which is sensitive towards the subjectivity of the analysed matter. While it is usual to measure the reputation from the clients’ perspective, the research on reputation impact relies on the particular statistical data on company’s condition in the market.

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