Dampak Pandemi Covid-19 Terhadap Pertumbuhan Dana Pihak Ketiga Pada Bank Syariah

Hasan, Hurriah Ali; Mansyur, Saidin; Mustamin, Siti Walida

doi:10.18860/ed.v9i1.11431

Cited by 6 publications

(6 citation statements)

References 8 publications

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“…Only 2 (two) Islamic commercial banks have a relatively large standard deviation value, i.e., Bank Muamalat Indonesia and Bank Mega Syariah. Besides, Hasan et al (2021) also explained that the pandemic drives customers to deposit in Wadiah products, considered safe, rather than in investment funds, thus increasing the number of Islamic bank funding.…”

Section: Liquidity Riskmentioning

confidence: 99%

Are Islamic Banks Still Sound Amidst Pandemic?

Canggih

Nurafini²,

Suryaningsih³

et al. 2022

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The paper aims to check whether Islamic banks in Indonesia remain sound amid the Covid-19 Pandemic by comparing the soundness levels of Islamic commercial banks before and during the Covid-19 Pandemic. This research used a quantitative approach with the non-parametric Wilcoxon Signed-Rank Test to compare bank soundness before and during the Covid-19 Pandemic. The bank's resilience was measured using the Risk-Based Bank Rating (RBBR), e.g., Non-Performing Finance (NPF), Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Net Operating Margin (NOM). The study exempted aspects of Good Corporate Governance since it is qualitative. The study used quarterly data in 2018-2019 (before the pandemic) and 2020-2021 (during the pandemic). The results showed a significant difference between CAR before and during the Covid-19 Pandemic. Meanwhile, NPF, FDR, ROA, and NOM showed no significant differences before and during the Covid-19 Pandemic. Based on the results, it can be concluded that the Covid-19 Pandemic generally does not affect the Islamic banks' soundness level, except for capital. It showed that the Islamic Bank proved to be resilient against crises. The study adds literature on the resilience of Islamic banks, particularly during the Covid-19 Pandemic, and validates the RBBR measurement to analyze the bank's soundness. In addition, the results of this study are also expected to be a consideration for policymakers to design the right policies for optimizing Islamic banks to thrive and support post-pandemic recovery.

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Section: Liquidity Riskmentioning

confidence: 99%

Are Islamic Banks Still Sound Amidst Pandemic?

Canggih

Nurafini²,

Suryaningsih³

et al. 2022

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show abstract

“…The existence of this epidemic greatly impacted the social and economic conditions of the community. Various risks must be faced by the community as a result of the Covid-19 pandemic, not only health risks, but also creating economic risks (Hasan, 2021). COVID-19 has slowed down the global economy.…”

Section: ) Introductionmentioning

confidence: 99%

The Effect of the Covid 19 Pandemic on Bank Performance Cases of Regional Development Bank in Indonesia

Permata¹,

Sutrisno²

2023

IJMRA

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The Covid 19 pandemic that occurred at the beginning of 2020 in Indonesia caused a decline in the economy in all countries, including Indonesia. Banks as financial intermediaries that accept public deposits and provide loans to the public are also affected. Based on the law, the banking structure in Indonesia consists of Commercial Banks and Rural Banks. One of the commercial banks that has different characteristics compared to other commercial banks is the Regional Development Bank (BPD). Regional Development Banks play a strategic role in becoming partners with the Government, in addition to that BPDs function as motors for accelerating regional development by carrying out the Bank's function as a banking intermediary (Haeri, 2021). This research is to examine the effect of Covid 19 on the performance of Regional Development Banks in Indonesia. The bank performance that will be tested consists of non-performing loans (NPL), loan to deposit ratio (LDR), return on equity (ROE), return on assets (ROA), capital adequacy ratio (CAR), and operating expense to operating income ratio (OEIR). The population of this study were all regional development banks in Indonesia, consisting of 27 banks with a sample of 20 banks using purposive sampling technique, namely those with complete data. Observation period for two years before and two years during Covid-19 (2018 to 2021) with quarterly data. To test the hypothesis used independent t test. The results showed that Covid-19 had a significant effect on NPL, while it did not have a significant effect on LDR, ROE, ROA, and OEIR.

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“…Apart from individual characteristics, business characteristics can also be an obstacle to financial inclusion, for example business actors who operate in certain sectors still have difficulty accessing formal financial institutions (Trianto et a., 2023). Financing institutions are currently also looking more at financing the agricultural sector than the non-agricultural sector during the Covid-19 pandemic (Hasan, 2021;Aziz, 2021). In several literatures, financial literacy also plays a role in creating financial inclusion for MSMEs.…”

Section: Introduction 11 Backgroundmentioning

confidence: 99%

Islamic Financial Literacy, Islamic Financial Inclusion and Micro-Business Performance

Elfi Barus,

Syahrial,

Hamzah Muchtar

et al. 2023

REMEF

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This research aims to look at the role of Islamic financial literacy component in creating financial inclusion and developing micro-businesses in Indonesia. Cross sectional research design was employed in this study and data were collected from 138 micro-business located in Pekanbaru, Indonesia. The data was analyzed using path analysis and IBM SPSS 26 was adopted to testing the hypotesis. This study revealed that only two of Islamic financial literacy components positively and significant influences Islamic financial inclusion. This study also found that only one component of Islamic financial literacy positively and significantly influences micro-business performance. Other findings show a positive and significant relationship between Islamic financial inclusion and micro-business performance. This study indicates that component of Islamic financial literacy play an important role in promoting Islamic financial inclution which is necessary for growth of micro-business in Indonesia. Owner or manager of micro-business should increase their Islamic financial literacy through various training programs. This is the first study in Indonesia in investigating the role of Islamic financial litaracy on financial inclusion and micro-business development . This study has limitations in sample size and research location.

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Dampak Pandemi Covid-19 Terhadap Pertumbuhan Dana Pihak Ketiga Pada Bank Syariah

Cited by 6 publications

References 8 publications

Are Islamic Banks Still Sound Amidst Pandemic?

Are Islamic Banks Still Sound Amidst Pandemic?

The Effect of the Covid 19 Pandemic on Bank Performance Cases of Regional Development Bank in Indonesia

Islamic Financial Literacy, Islamic Financial Inclusion and Micro-Business Performance

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