PENGARUH TINGKAT LIKUIDITAS MENGGUNAKAN CASH RATIO TERHADAP PENYEDIAAN KREDIT PADA PD. BPR KUNINGAN CABANG CIDAHU

The credit volume is a most important part of banking business activity.

Credit volume is one of income resources it will be related to the presence of the

owned liquidity level, because the liquidity level is a measurement of firm`s

capacity in covering any short-tem obligations. Therefore, the frim must be able

to maintain the credit volume in meeting one of the firm`s objectives, that is to

obtain the income. This study has some objectives to identify how the development

of liquidity level (Cash Ratio), credit volume and the identify how much the

influence of liquidity level (Cash Ratio) on the credit volume at PD. BPR

Kuningan branch Cidahu in the three-monthly period of March 2006-March

2007. In this study what becoming the sample is a financial report in the threemonthly

period of March 2006-March 2007.

The method used in this study is a descriptive, analytical and quantitative

method, among of them by using regression analysis, pearson correlation

analysis, with significance level (a ) used is 0,05, determination coefficient and

hypothetical test. The data analysed begin from the three-monthly period of

March 2006-March 2007.

The result of study shows that the development of liquidity level (Cash

Ratio) indicates a relatively decreasing condition, due to the decreased asset

liquid and short term borrowing. The credit volume is relatively increased due to

the increased credit volume in the sectors of agriculture, industry, marketing,

services and other credit volumes at PD. BPR Kuningan branch Cidahu. The

liquidity level (Cash Ratio) has an influence on the credit volume, with the

regression outcome value of a equal to. 499 . 7533382 having meaning that all

changes in storey level of likuiditas (Cash Ratio) will make balance to with ready

change of credit volume value of b equal to 84 . 12051077 - , hence each every

accretion and also degradation of storey level of likuiditas (Cash Ratio) will make

balance to with ready degradation or accretion of credit volume equal to

84 . 12051077 - , whereas the correlation outcome states that the magnitude of “r”

is -0.961 with tcount is -6.006, the influence level is 92.3%, including very closely

related influence and the remain is affected by other factors.