PENGARUH DEBT TO TOTAL ASSETS RATIO, QUICK RATIO, NET PROFIT MARGIN, DAN RETURN ON INVESTMENT DEBITUR TERHADAP PENYALURAN KREDIT MODAL PADA PT BANK MANDIRI (PERSERO) TBK. SIDOARJO

摘要

institutions whose job it is to collect and distribute funds from theudcommunity back in the form of credit. Working capital loans are intended to meetudworking capital needs of companies, both large enterprise sector as well as theudsmall business sector. For it is necessary to know the internal factors of the debtorudwhich is estimated to affect banks in extending working capital loans, which is theudleverage side with debt to total assets ratio, liquidity side with quick ratio, and theudprofitability with net profit margin and return on investment.udPopulation used in this study were 40 small business debtor or theudproposed working capital loan to Bank Mandiri 2011 with the credits includeudmedium-term loan that is 3 years. And for the benefit of the research used audsample with purposive sampling method in order to get 30 debtors who meet theudcriteria. Type of data used are secondary data derived from financial statementsudof the debtor obtained the micro creditin Bank Mandiri branch Sidoarjo A.Yani.udMethods of analysis used was multiple regression with a significance level of 5%.udOf the results of tests performed on this research noteudsimultaneously in mind that debt to total assets ratio, quick ratio, net profitudmargin, and return on investment is significantly affected. While of the partialudtesting, the results obtained that debt to total assets ratio is the most dominantudeffect on working capital loans.