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

Rural Banks (BPR) is a formal financial institution that has a function as a financial intermediary, especially on the national microfinance system. The study aimed to find out the financial performance of PT. BPR. Saptacristy Utama when it was analyzed based on the financial ratios during the period of 2011 to 2015. Based on the results of the financial analysis, liquidity ratio is categorized good, when viewed from the average cash ratio and the average loans to deposit ratio. The solvency ratio is said to be good, judging by the average capital adequacy ratio. Activity ratio is quite good when viewed from the multiplier leverage ratio and asset utilization ratio that continue to increase. The profitability ratio is classified to be good,as can be seen 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 strengthening its business activities to increase the amount of its assets, the amount of the distribution of funds in the form of loans and the placement of funds in other banks should also be increased, revenue of operations and profits for subsequent years should beincreased, as well as improving sale and service to its customers and prospective customers. Keywords: rural banks, finance performance, financial ratioanalysis