Efisiensi Kinerja Keuangan Sektor Perbankan Indonesia  Di Masa Pandemi Covid-19

Sholihah, Erlinda

doi:10.21009/jrmsi.012.2.06

Cited by 15 publications

(19 citation statements)

References 21 publications

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“…The results of this study are also consistent with Hasbi and Apriyana's research (2021) which states that the Covid-19 pandemic has greatly affected the performance of BPRs and BPRS in West Java in particular. The decrease in efficiency that occurred in a number of banking institutions in Indonesia was caused by a decrease in income from financing provided and indirectly affected the receipt of third-party funds (Notalin et al, 2021;Sholihah 2021). Moreover, Java Island is the center of the national economy.…”

Section: Resultsmentioning

confidence: 99%

“…The efficiency level of Islamic banks has decreased during the pandemic, the economy is volatile so banks were required to achieve their targets, especially in musyarakah and mudharabah financing (Setyono et al, 2021). To overcome these problems, the government's role in making regulations or policies and bank management is urgently needed to maintain banking performance, especially in optimizing output levels and the intermediation function to maintain financial stability (Pratomo & Ramdani, 2021;Sholihah, 2021). In addition, in terms of maintaining financial system stability in banking, the role of the IDIC as an institution that guarantees customer deposits is expected to be active in maintaining the stability of the banking system in accordance with its authority, especially for the BPRS sector, which is a microfinance institution that is vulnerable to pandemics.…”

Section: Resultsmentioning

confidence: 99%

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Non-parametric Efficiency of Islamic Rural Banks in Indonesia

Aam¹,

Mimma

Syahdatul

2022

IEM

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In the midst of economic challenges and uncertainty due to the pandemic, BPRS as part of the banking industry has a specific goal, namely to provide financial services and products to people with a weak economic level and also the MSME sector, therefore it is necessary to accelerate improvements in the Islamic rural banks (BPRS) industry. This study aims to measure the relative efficiency level of BPRS in Indonesia, see the impact of the pandemic on BPRS operations and compare the efficiency level of BPRS spread across Java and outside Java. This study uses a sample of 92 BPRS in Indonesia with an observation period from 2016 to 2021. This research method uses Data Envelopment Analysis (DEA) with secondary data sourced from the financial statements of each BPRS on the OJK official website. The input variables used include third-party funds, fixed assets and operating expenses. Meanwhile, the output variable consists of financing provided and operating income. The results showed that the average BPRS in Indonesia from the 2016-2021 period fluctuated. Then the CRS and VRS analysis found that BPRS outside Java were more efficient than BPRS spread across Java. Then, based on the trend analysis, the efficiency of BPRS in Indonesia has a fluctuating trend. Furthermore, in the efficiency analysis during the Covid-19 pandemic, there was a continuous decline in the efficiency level of the BPRS, although the decline that occurred was still small. This study also analyzes the potential improvement for program improvement that causes inefficiency of the input and output variables. And in general, the biggest cause of BPRS inefficiency comes from the output variable, namely the financing provided. This study also provides recommendations to BPR practitioners, regulators, and academics as a basis for decision making in achieving optimal efficiency and for further research

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Section: Resultsmentioning

confidence: 99%

Section: Resultsmentioning

confidence: 99%

Non-parametric Efficiency of Islamic Rural Banks in Indonesia

Aam¹,

Mimma

Syahdatul

2022

IEM

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“…Kemudian Otoritas Jasa Keuangan (OJK) juga meluncurkan Kebijakan Stimulus Perekonomian Nasional POJK No.11/POJK.03/2020 untuk mengelola kestabilan sistem keuangan dan perbankan (OJK, 2020). Dengan stimulus BI maupun OJK diharapkan dapat meningkatkan efisiensi kinerja keuangan sektor perbankan di masa pandemi COVID-19 (Albanjari & Kurniawan, 2022;Azhari & Wahyudi, 2020;Sholihah, 2021). Efisiensi sendiri merupakan salah satu tolak ukur yang digunakan untuk mengetahui kinerja perbankan, baik pada bank syariah maupun bank konvensional.…”

Section: Pendahuluanunclassified

“…Efisiensi sendiri merupakan salah satu tolak ukur yang digunakan untuk mengetahui kinerja perbankan, baik pada bank syariah maupun bank konvensional. (Sholihah, 2021) Perbandingan kinerja bank syariah dan bank konvensional selama pandemi COVID-19 sangat menarik untuk di teliti. Sistem perbankan syariah yang didasari dengan sistem bagi hasil nampaknya cenderung lebih adaptif dengan kondisi ekonomi saat terjadi pandemi COVID-19.…”

Section: Pendahuluanunclassified

Studi Komparasi Efisiensi Bank Syariah dan Bank Konvensional Sebelum dan Selama Pandemi COVID-19

Dzulqornain Aiz,

Musliha

2023

JIEI

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Penelitian ini bertujuan untuk menganalisis dan membandingkan efisiensi kinerja bank syariah dan bank konvensional di Indonesia sebelum dan selama pandemi COVID-19. Penelitian ini menggunakan data sekunder yang berasal dari laporan keuangan 10 bank konvensional dan 10 bank syariah dari tahun 2017 sampai tahun 2022. Data tersebut dibuat triwulanan dan dianalisis menggunakan Data Envelopment Analysis (DEA). Hasil penelitian ini menunjukkan bahwa tidak terdapat perbedaan efisiensi antara bank syariah dan bank konvensional sebelum dan selama pandemi COVID-19. Pandemi COVID-19 memberikan dampak bahwa baik bank syariah maupun bank konvensional sama-sama mengalami penurunan efisiensi selama pandemi COVID-19. Dengan kata lain pembatasan mobilitas selama pandemi COVID-19 memberikan dampak yang sama terhadap kedua jenis bank. Penelitian ini juga menemukan bahwa biaya tenaga kerja dan promosi merupakan biaya yang paling tidak efisien penggunaannya selama pandemi COVID-19 baik pada bank syariah maupun bank konvensional.

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“…The economy is experiencing slow growth, many buying and selling trade activities have stopped, online motorcycle taxi drivers whose income has decreased due to no activity outside the home, tourist areas are really quiet so there is no income and economic activity (Safitri, et al , 2021). If this continues, and you don't know when it will stop, the impact will be even greater and can spread to the banking industry and credit banks (Sholihah, 2021). Banks may provide new credit or financing and/or provision of other funds to debtors affected by the spread of Covid-19, including MSME debtors.…”

Section: Introductionmentioning

confidence: 99%

Risks Due to Pandemic and Legal Protection for Customers

Utomo¹

2022

jmh

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The occurrence of a pandemic at the beginning of 2019 until now has had a very large loss impact, almost all over the world experiencing an economic decline, even high inflation. This condition is a blow, which requires all parties to be able to find their own way out. In the banking world, the impact of the pandemic has caused instability in interest rates and business liquidity, causing public panic, both as debtors and creditors. Therefore, this research was conducted to reveal the impact of the pandemic on the banking world in Indonesia and seek legal protection as a solution for customers. To answer the research phenomenon, a scientific method was established, namely the qualitative method. The object of research is the National Bank of Indonesia with primary and secondary data sources. Primary data was obtained through interviews, while secondary data was obtained by reviewing banking law literature. The results of the study revealed that the occurrence of the pandemic did not dampen the bank to continue to guarantee the rights of its customers. Although on the other hand, the impact of the pandemic is very significant for the banking industry, this is clearly seen in the declining number of banking activities.

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Efisiensi Kinerja Keuangan Sektor Perbankan Indonesia Di Masa Pandemi Covid-19

Cited by 15 publications

References 21 publications

Non-parametric Efficiency of Islamic Rural Banks in Indonesia

Non-parametric Efficiency of Islamic Rural Banks in Indonesia

Studi Komparasi Efisiensi Bank Syariah dan Bank Konvensional Sebelum dan Selama Pandemi COVID-19

Risks Due to Pandemic and Legal Protection for Customers

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