MANFAAT INDIKATOR-INDIKATOR KEUANGAN DALAM PEMBENTUKAN MODEL PREDIKSI KONDISI KESEHATAN PERBANKAN

Abstract

:inancialdisfress prediction is an essentialissue in finance. Especially in :nerging economies, predicting the future financial situation oif inOiviAuat :crporate entities is even mlre significant, bearing in mind the general *onomic turnmoil that can be caused by Dusiness failures, Foiowing this :iscrimination approach this study explores the usefulness o/ financial ratios n constructing the discriilnation models as an earty waring system. The z0os used in the models were compited from financial reporis of I l0 'Nonesian banks that listed in lndonesian Banking Directory. The result of nis /nv€stigation show that financial ratios are significant witnin So/o for one par before failure and 10o/o for two years before faiture as bankruptcy vediction variable of a bank. Those ratios also explain thatassef quitity, ranagement earning pTwer and liquidity are the determines of the Nonesian banks banckru ptcy