Pengaruh Pandemic Covid 19 terhadap Net Performing Financing Bank Pembiayaan Syariah di Indonesia

Abstract

This study aims to analyze the effect of the Covid 19 pandemic on NPF BPR Sharia during the study period from January 2017 to July 2019. The analytical method used is multiple regression with the COVID-19 pandemic as a dummy variable. The results of this study indicate that the Covid 19 pandemic has no significant effect on the Net Performing Finance of Islamic BPRs during the study period. Islamic BPRs apply sharia principles, namely the provision of funds or bills that are equalized to the results in mudharabah, istishna, murabahah and musyarakah, so that the impact of the Covid pandemic does not have a significant effect on the NPF of Islamic BPRs

Literature study: measuring banking performance in Indonesia due to policies for handling the covid-19 pandemic

“…Even though many companies have experienced a decline in their performance due to the Covid-19 pandemic, several companies, including banks, were not affected. For example, the results of transactions in mudharabah, istisna, and murabaha, and musyarakah do not affect the Covid-19 pandemic in Islamic BPRs (Maria Indriyani Hewe Tiwu & Angi, 2021). Likewise, the financial performance of the Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) was no different before or during the Covid-19 pandemic.…”

Tunneling and Company Performance in The Financial Industry In Indonesia

“…Managerial ownership (KM) is the proportion of share ownership by managers to total shares (Supatmi et al, 2019). To accommodate the impact of the Covid-19 (PD) pandemic, this study added a control variable using a dummy variable measured by a value of 1 for the year during the Covid-19 pandemic (2020) and a value of 0 for the year before the Covid-19 pandemic (2018-2019) (Tiwu & Angi, 2021).…”