RATIO AND RETURN ON INVESMENT TO GIVING CURRENT RATIO INFLUENCE, DEBT TO EQUITY RATIO, COVERAGE CREDIT FOR WORKING CAPITAL IN MUAMALAT INDONESIA BANKS TANJUNG BALAI BRANCH

Abstract

The purpose of this research is to find out and analyze the influence of Current Ratio, Debt to Equity Ratio, Coverage Ratio, and Return on Investments Against the Approval of Granting Working Capital Loans at Tanjung Muamalat Indonesia Tbk.The data used in this study is secondary data. Data is taken directly from the source of Tanjung Balai Bank Muamalat Branch, in the form of a loan application request and the realization of the working capital loan decision for the year 2015. Testing of the data is done using statistical analysis namely multiple linear regression analysis, t-test, and F test with level 5% significance.

The results showed that partially Debt to Equity Ratio, and Coverage Ratio, had a significant effect on the Decision Ratio of Working Capital Loans at Tanjung Muamalat Indonesia Tbk Branch Office with an alpha significance value of <0.05. While the variable Current Ratio and Return on Investment does not affect the Decision Ratio of Working Capital Loan at Bank Muamalat Indonesia Tbk Tanjung Balai Auxiliary Branch with alpha significance value> 0.05.

Simultaneously Current Ratio, Debt to Equity Ratio, Coverage Ratio, and Return On Investments have a positive and significant effect on the Decision Ratio of Working Capital Loans at Tanjung Muamalat Indonesia Tbk Branch Office with a calculated F value of 5.296> Ftable of 2.65 with a value significance of 0.001 <0.05.

Keywords: Current Ratio, Debt to Equity Ratio, Coverage Ratio