Abstract

The purpose of this study is to examine the effect of debtor financial ratios on lending decisions at Bank bjb. This study uses a quantitative approach to the type of verification research. The sample in this study were debtors who applied for credit to the bank as many as 30 debtors. The analysis technique in this study uses a logistic regression model. The results of the study show that there are 3 models in determining credit decisions to prospective debtors at Bank BJB. The first model, those credit decisions as a whole are influenced by the current ratio, total asset turnover and net profit margin of 80.5%. The second model, overall credit decisions are influenced by the quick ratio, total asset turnover and net profit margin of 77.7%. The third model is that credit decisions are influenced by total asset turnover, debt to asset ratio and the net profit margin of 77.4%. Partially, the effect of the current ratio variable, quick ratio, total asset turnover and net profit margin on credit decisions is positive. However, the variable debt to asset ratio has a negative influence on credit decisions.