ANALISIS PREDIKSI FINANCIAL DISTRESS PADA PERUSAHAAN PERBANKAN KONVENSIONAL DI INDONESIA PERIODE 2020-2024 DENGAN MENGGUNAKAN MODEL ALTMAN Z-SCORE

SOEKARNO, DEWI PUJAWATI (2025) ANALISIS PREDIKSI FINANCIAL DISTRESS PADA PERUSAHAAN PERBANKAN KONVENSIONAL DI INDONESIA PERIODE 2020-2024 DENGAN MENGGUNAKAN MODEL ALTMAN Z-SCORE. S1 thesis, Universitas PGRI Madiun.

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Abstract

The study seeks to evaluate the ability to forecast financial distress among conventional banking institutions in Indonesia between 2020 and 2024, using the Altman Z-Score model. Financial distress, defined as financial instability, often acts as an early signal of potential bankruptcy. The banking sector was selected as the subject of this research due to the considerable systemic risk posed by the collapse of a bank. Employing a descriptive quantitative approach, the research makes use of secondary data in the form of financial statements from 32 conventional banks listed on the Indonesia Stock Exchange. The adjusted Altman Z-Score model is applied to measure and classify financial conditions into three levels: stable, gray zone, and vulnerable. The findings reveal that the Altman Z-Score is a reliable tool for forecasting banks’ financial positions and serves as a valuable source of information for managers, investors, and regulators in formulating strategic measures to avoid insolvency.

Item Type:	Thesis/Skripsi/Tugas Akhir (S1)
Kata Kunci:	Poor Financial Condition, Altman Z-Score, Traditional Banks, Financial Statements, Bankruptcy Prediction,Financial Distress, Altman Z-Score, Perbankan Konvensional, Laporan Keuangan, Prediksi Kebangkrutan
Subjects:	A Social Sciences > HB Economic Theory A Social Sciences > HC Economic History and Conditions
Divisions:	Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User:	SOEKARNO PUJAWATI DEWI
Date Deposited:	10 Oct 2025 06:50
Last Modified:	10 Oct 2025 06:50
URI:	http://eprint.unipma.ac.id/id/eprint/5229

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