%X This study aims to analyze the efforts of PT Bank Rakyat Indonesia Tbk. in preventing financial distress during the 2020-2022 period by using liquidity ratios as indicators, including Current Ratio, Cash Ratio, and Loan to Deposit Ratio (LDR). This data is obtained from the company's annual financial statements, focusing on the 2020-2022 period which was affected by the COVID-19 pandemic and global economic turmoil. The results showed that the company was able to maintain its financial stability through effective liquidity management. The increase in liquidity ratios in 2021-2022 reflects the bank's success in meeting short-term obligations and increasing customer confidence. The proposed strategies to prevent financial distress include strengthening liquidity risk management, optimizing the credit portfolio, and improving operational efficiency. These results are expected to provide practical contributions to the banking industry, especially in formulating financial risk prevention strategies, as well as a reference for other financial institutions facing similar challenges.
%I UNIVERSITAS SULTAN AGENG TIRTAYASA
%O Penelitian ini bertujuan untuk menganalisis upaya PT. Bank Rakyat Indonesia Tbk. dalam mencegah financial distress selama periode 2020-2022 dengan menggunakan rasio likuiditas sebagai indikator, diantaranya Current Ratio, Cash Ratio, dan Loan to Deposit Ratio (LDR). Data ini diperoleh dari laporan keuangan tahunan perusahaan, dengan fokus pada periode 2020-2022 yang dipengaruhi oleh pandemi COVID-19 dan gejolak ekonomi global. Hasil penelitian menunjukkan bahwa perusahaan mampu mempertahankan stabilitas keuangannya melalui pengelolaan likuiditas yang efektif. Peningkatan rasio likuiditas pada tahun 2021-2022 mencerminkan keberhasilan bank dalam memenuhi kewajiban jangka pendek dan meningkatkan kepercayaan nasabah. Strategi yang diusulkan untuk mencegah financial distress meliputi penguatan manajemen risiko likuiditas, optimalisasi portofolio kredit, dan peningkatan efisiensi operasional. Hasil ini diharapkan dapat memberikan kontribusi praktis bagi industri perbankan, terutama dalam merumuskan strategi pencegahan risiko keuangan, serta menjadi referensi bagi lembaga keuangan lainnya yang menghadapi tantangan serupa.
%D 2025
%A RT DESYIVA PRIMAH DIANI
%T UPAYA PENCENGAHAN FINANCIAL DISTRESS MENGGUNAKAN RASIO LIKUIDITAS PADA KINERJA PT. BANK RAKYAT INDONESIA TBK. PERIODE 2020-2022.
%K Financial Distress, Liquidity Ratio, Current Ratio, Cash Ratio, Loan to
Deposit Ratio (LDR). 
Financial Distress, Rasio Likuiditas, Current Ratio, Cash Ratio, Loan to
Deposit Ratio (LDR).
%L eprintuntirta49980