Analisis Komparasi Kinerja Keuangan Pada Perbankan Konvensional Buku Iv Di Indonesia Sebelum Dan Sesudah Pandemi Covid-19

Abstract

This research was conducted to analyze whether there are differences in financial performance in conventional banking BUKU IV before and after the COVID-19 pandemic based on capital ratio (Capital Adequency Ratio), earning asset quality ratio (Net Performing Loan), profitability ratio (Return on Asset & Return on Equity), efficiency ratio (BOPO: operational costs / operating income), and liquidity ratio (Loan / Deposit Ratio). Because of using saturated sampling technique, the objects that make up the population of this research are all used as research samples, that is seven banks that meet the criteria for BUKU IV including BCA, BNI, BRI, CIMB Niaga, Danamon, Mandiri, Panin. The results of this research shows that: ( 1) there is no difference in performance in conventional BUKU IV banking before and after the COVID-19 pandemic based on the CAR ratio; (2) there is a difference in performance in BUKU IV conventional banking before and after the COVID-19 pandemic based on the NPL ratio; (3) there is a difference in performance in conventional banking BUKU IV before and after the COVID-19 pandemic based on the ROA ratio; (4) there is a difference in performance in BUKU IV conventional banking before and after the COVID-19 pandemic based on the ROE ratio; (5) there is a difference in performance in BUKU IV conventional banking before and after the COVID-19 pandemic based on the BOPO ratio; and (6) there is a difference in performance in BUKU IV conventional banking before and after the COVID-19 pandemic based on the LDR ratio.

Analysis of Bank Soundness Before and After the Pandemic: The RGEC Approach

“…There is no significant difference in the performance of banking capital for the CAR variable. The results of this study are also in line with a study conducted by Tiono & Djaddang (2021) which stated that there was no difference in banking CAR performance before and after the COVID-19 pandemic and was still in good condition. The absence of a difference in performance is supported by the government's efforts through the Minister of Finance Regulation no.…”

“…There is a significant difference in the ROA variable's efficiency in using banking assets before and after the covid-19 pandemic. This study's results align with a study conducted by Tiono & Djaddang (2021) which stated that during the covid-19 pandemic, many banking institutions, mainly from BUKU IV category banks, experienced a decline in their profitability ratios. Meanwhile, there is a significant difference in the rate of return on equity.…”

Dampak Pandemi COVID-19 terhadap Kinerja Perusahaan di Moderasi Pendapatan

“…Jadi dapat disimpulkan dengan adanya COVID-19 ini mengakibatkan perubahan dan perbedaan pada ROA perusahaan. Hasil penelitian ini sejalan dengan penelitian Tiono and Djaddang, (2021); Haris pratama, Pontoh and Pinatik (2021); Esomar, 2021) namun bertentangan dengan hasil penelitian Ilhami dan Thamrin (2021) ;Roosdiana, (2021).…”

Analisis Komparasi Kondisi Kesehatan Bank Sebelum Dan Saat Pandemi Covid-19 Periode 2018-2021 (Studi Kasus Pada Pt Bank Negara Indonesia (Persero) Tbk)

“…Dengan demikian, dapat disimpulkan sebelum adanya pandemi Bank BNI lebih selektif dalam melakukan penyaluran kredit dan dapat dengan baik mengelola risiko kredit yang diterima Bank BNI. Hasil penelitian ini sejalan dengan penelitian yang dilakukan Tiono & Djaddang (2021) serta Sullivan & Widoatmodjo (2021) yang juga memberikan hasil terdapat perbedaan rasio NPL yang diperoleh bank sebelum dan setelah adanya pandemi.…”