Rasio

RASIO - RASIO PENTING YG. DIGUNAKAN DALAM ANALISA KREDIT MIKRO 1 CA / CL ( Current Asset / Current Liabilities )

CURRENT ASSET CURRENT LIABILITIES

X

100 %

2 R O A ( Return on Asset )

LABA BERSIH ASSET

X

100 %

3 R O E ( Return on Equity )

LABA BERSIH MODAL SENDIRI

X

100 %

4 R C ( Repayment Capacity )

NET CASH FLOW TERENDAH ANGSURAN ( P + B )

5 P M ( Profit Margin )

=.…… KALI

LABA KOTOR PENJUALAN

X

100 %

6 D E R ( Debt to Equity Ratio )

TOTAL HUTANG TOTAL MODAL ( Modal + Laba )

X

100 %

7 D A R ( Debt to Asset Ratio )

TOTAL HUTANG ASSET

X

100 %

HARGA LIKUIDASI PLAFOND KREDIT

X

100 %

8 C C ( Collateral Coverage )