Tinjauan Aspek Keuangan dalam Kelayakan Usaha Pendirian Bank Perkreditan Rakyat

Abstract

In the framework of establishment of the BPR, one of the main aspects of the
requirements is the receipt of the feasibility study. From some aspects evaluated in the
business feasibility of BPR, one of which is the financial aspect. Based on this, the inside
of this article would like to express a problem about How to perform feasibility analysis
BPR establishment in terms of financial aspect? According to the problems disclosed, the
purpose of this research is to know how to calculate, assess, and analyze the feasibility of
the viewpoint of the financial aspects. This study uses data projected financial statements
for the first 5 years of operations of PT BPR Elbaghraf. The method used included explorative
descriptive analysis using quantitative and qualitative approaches. The results of the
feasibility analysis of investment is reflected in the value of IRR of 17.89%, PP by 4.96
and Benefit and Cost Ratio (B/C) ratio of 1.68. Indicates that the planned establishment
of PT BPR Elbaghraf feasible to be realized from the financial feasibility assessment.
While based on the financial performance of the financial projections for 5 years initial
outline operational bank is also considered feasible. Based on the analysis of the feasibility
study, the project is expected investment in PT BPR Elbaghraf in Sumenep can be
immediately executed. For Commissioners and Board of Directors, will be able to make
projections on the financial statements as a reference in pengoperasional BPR during the
first 5 years. So that with the presence of the new BPR in Sumenep can contribute directly
to encourage the economic growth rate in the area of Sumenep.