ANALISIS FAKTOR YANG MAMPU MEMPREDIKSI KONDISI FINANCIAL DISTRESS PADA BANK GO PUBLIC PERIODE 2007-2011

Abstract

Financial distress precedes bankruptcy. Most financial distress models actually rely on bankruptcy data, which is easier to
obtain. The purpose of this research to examine financial ratios that affect financial distress condition of a bank. The
independen variable which is used to test on research is CAR, NPL,ROA, ROE, LDR,and IRR. The sample of this research
consist of 100 banks, chosen by purposive sampling. The statistic method which is used to test on the research hypothesis is
logistic regression. This research used 7 logistic regression model from Zaki’s research had developed.The result show
that NPL, ROA, and ROE is a significant variable to determine of financial distress banks.
Keywords: financial distress, financial ratios, logistic regression, bankruptcy.