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ABSTRACT

THE ANALYSIS OF LIQUIDITY IN RELATION TO LIABILITY ON

CONSUMEN BANKING AT CENTURY BANK , Tbk

By

RYOICHI SUKI PRAJAYA

In general, banks' main function is to collect and distribute funds from the society
back to the community for various purposes or as a financial intermediary that is
as a financial intermediary. The presence of banks in Indonesia, functioned as an
intermediary business entity that raise and distribute funds among the parties with
the excess funds are lacking and in need of funds. In addition the bank also
provides services in payment traffic in order to improve social welfare. According
to Drs. Jumingan, SE, MM, M. Si Financial Statement Analysis book (2008:126):
When used figures show 100% is considered good already short-term financial
condition. We can see the savings have influence in the analysis of liquidity,
because if a high level of liquidity of a bank will raise the level of trust dining
customers to keep their money as well as vice versa. In this study, researchers
used the liquidity ratio is the Quick Ratio, Bangking Ratio, Cash Ratio, Load to
Debt Ratio, and Net Call Money.
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The purpose of this study was to examine the liquidity ratio analysis and prove
whether Century Bank can meet its obligations to its customers. The method used
in this research is quantitative analysis approach to the calculation of liquidity
ratios and the analysis of liquidity ratios are used.

The conclusion from this study are according to the calculations and analysis,
researchers concluded that obtained for the Quick ratio still below 100% and
when averaged only 50% level liquidity and is still considered to be moderate,
to Banking ratio is considered high due to above 100% because there was an
increase in the deposit and is not distributed, while the ratio for the Cash Ratio is
less than 100%, this is because the liability can be paid is greater than assets
lancer, for very high load to Debt ratio of more than 100%, mainly due to total
loans greater than the total third-party funds, and to the Net Call Money well
because of the liability Call Money smaller than their liquid treasure.