Analisis Rasio Keuangan Bank Pembiayaan Rakyat Syariah Sebelum Dan Selama Pandemi Covid-19

Rolianah, Wiwik Saidatur; Miftahurrahman, Miftahurrahman; Sari, Dewi Puspita

doi:10.20414/iqtishaduna.v12i2.3457

Cited by 5 publications

(6 citation statements)

References 9 publications

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“…significant. Further research by (Rolianah & Sari, 2021) found that the ROA and NPF values did not have a significant difference while the FDR and BOPO ratios had a significant difference between before and during the covid 19 pandemic at Islamic People's Financing Banks. The research of (Kadir & Rahman, 2021) found that the overall impact of covid 19 on the financial performance of Islamic BPR in Indonesia had a significant effect on the NPF and FDR variables.…”

Section: Eduvest -Journal Of Universal Studiesmentioning

confidence: 89%

Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic

Juniasti

Siregar

Tobing

2022

Eduvest

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The COVID-19 pandemic and the implementation of Large-Scale Social Restrictions that occurred in Indonesia resulted in an economic slowdown. Then the problem that is present in the banking sector is the difficulty of debtors in fulfilling their credit obligations. The purpose of this study is to analyze the differences in the performance of the National Sharia BPR before the covid 19 pandemic and during the covid 19 pandemic for the period June 2018 - September 2021. In this study, performance was measured by the asset return ratio (ROA), capital adequacy ratio (CAR), ratio of non-performing loans (NPF), operating expenses to operating income (BOPO), and the ratio of loans to deposits (FDR). The research is included in quantitative research with a comparative type. The data used is secondary data in the form of the financial statements of the National Sharia BPR obtained from www.ojk.co.id. Data analysis in this study used paired sample t-test analysis with the help of the SPSS version 25 program. The results showed that only CAR and NPF had significant differences before and during the COVID-19 pandemic. While ROA, BOPO, and FDR had no significant differences. before and during the covid 19 pandemic.

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Section: Eduvest -Journal Of Universal Studiesmentioning

confidence: 89%

Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic

Juniasti

Siregar

Tobing

2022

Eduvest

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“…Aktiva neraca dan aktiva administratif telah dibobot sesuai tingkat bobot siko yang telah ditentukan. Tujuan ATMR adalah untuk mengendalikan pertumbuhan aset bank yang memberikan return tinggi dengan resiko rendah (Rolianah & Sutono, 2021).…”

Section: Roa = (Laba Bersih/total Aktiva) X 100%unclassified

Pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Assets (ROA) (Studi Pada Laporan Tahunan PT Bank Rakyat Indonesia (Persero) Tbk Tahun 2019-2022)

Salsabila,

Hasrina

2023

JMEC

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Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Assets (ROA) (Studi pada Laporan Tahunan PT Bank Rakyat Indonesia Tbk Tahun 2019-2022. Penelitian ini dilakukan karena adanya fenomena dimana terjadi penurunan nilai Capital Adequacy Ratio (CAR) akan tetapi nilai Return On Assets (ROA) justru mengalami kenaikan. Jenis penelitian ini adalah penelitian kuantitatif. Penelitian ini menggunakan data sekunder dengan populasi seluruh laporan keuangan PT. Bank Rakyat Indonesia dan sampel yang diambil adalah laporan keuangan per tri wulan tahun 2019-2022 yaitu sebanyak 16 data. Alat analisis yang digunakan adalah Regresi Linear Sederhana dan Korelasi, sedangkan pengujian hipotesis menggunakan Uji t dengan tingkat signifikan 5%. Hasil penelitian yang diperoleh dari Regresi Linear Sederhana Y = -4,099 + 0,253X, hasil korelasi menunjukkan bahwa ada hubungan yang kuat dan searah antar Capital Adequacy Ratio (CAR) dan Return On Assets (ROA) dengan nilai koefisien korelasi 0,651 dan hasil pengujian hipotesis Uji t menunjukkan bahwa ada pengaruh Capital Adequacy Ratio (CAR) secara parsial terhadap Return On Assets (ROA) pada PT. Bank Rakyat Indonesia (Persero) Tbk dengan nilai 3,209 > 2,145 dan nilai signifikansi 0,006 < 0,05.

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“…According Rachmad and Fitria (2021) that CAR during the Covid-19 pandemic is better than CAR before the Covid-19 pandemic in Islamic bank. In other study, during the pandemic CAR indicator of Sharia rural bank are still accordance with Financial Services Authority standar (Hassan, 2022).…”

Section: Literature Reviewmentioning

confidence: 99%

“…Conversely, if NPF ratio is high or Islamic rural bank financing is dominated by non-performing quality, then the EAQ ratio will deteriorate (Otoritas Jasa Keuangan, 2019). Rolianah et al (2021) stated that REO shows a significant impact before and during the pandemic. The conclusion is countercyclical policies have an effect on REO.…”

Section: Literature Reviewmentioning

confidence: 99%

The effect of a countercyclical Covid 19 policy on the main financial ratios in Islamic rural banks

Maulana,

Sriyana

2023

J. Eko. Keu. Isl.

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Purpose – This study aims to evaluate the impact of financial services authority's regulation (POJK) regarding the implementation of Covid-19 Countercyclical in Islamic rural banks.Methodology – This study uses time-series data taken from Financial Services Authority (OJK)'s database covering the period from March 2020 - March 2022. Cointegration test show that there is no cointeggration and the variable is not stationary at the same order/degree, therefore the VAR method is used.Findings – This study reveals that POJK have significant impact on CAR, EAQ, and REO ratios and integrated in the long term. Moreover, this study also find that POJK have a causal or reciprocal effect on CAR and REO which occur in one direction. Futhermore, this study portrays that POJK have a positive impact in returning CAR, EAQ and REO ratios to a positive condition at least 10 months since POJK published, except for CR that before pandemic was in a positive condition.Implications – It is necessary for the BPRS to conduct a stress test on the implementation of the said restructuring and its impact on the finances and ratios of the BPRS as the first step for the BPRS to carry out mitigation if things that are not desired by the BPRS occur. Originality – This paper examines the effect of the implementation of POJK Number 11/POJK.03/2020 which is further amended through POJK Number 48/POJK.03/2020 concerning national economic stimulus as a countercyclical policy impact of the spread of coronavirus disease 2019 on the Islamic rural bank soundness level during Covid 19 pandemic.

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Analisis Rasio Keuangan Bank Pembiayaan Rakyat Syariah Sebelum Dan Selama Pandemi Covid-19

Cited by 5 publications

References 9 publications

Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic

Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic

Pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Assets (ROA) (Studi Pada Laporan Tahunan PT Bank Rakyat Indonesia (Persero) Tbk Tahun 2019-2022)

The effect of a countercyclical Covid 19 policy on the main financial ratios in Islamic rural banks

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