Analisis Perbandingan Kinerja Keuangan Perbankan Sebelum Dan Selama Pandemi (Covid-19) (Studi Kasus pada Perbankan yang Terdaftar di Bursa Efek Indonesia)
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Institusion
Universitas Muhammadiyah Surakarta
Author
Putri, Melynia Pradana
-, Kussudyarsana, S.E., M.Si., Ph.D.
-, Kussudyarsana, S.E., M.Si., Ph.D.
Subject
HD28 Management
Datestamp
2022-08-08 04:19:45
Abstract :
At the beginning of 2020, the world was shocked by the spread of the Covid-19 virus which spread to almost all countries, including Indonesia. Corona Virus Disease 19 (Covid-19) was decided as a pandemic by the World Health Organization (WHO) in early 2020. This study aims to determine and analyze whether there are differences in the financial performance of banks listed on the Indonesia Stock Exchange before and during the COVID-19 pandemic. 19 which is measured based on the Risk Profile, Good Corporate Governance, Earning, and Capital factors. This analysis uses the RGEC method, the ratios used are NPL (Net Performance Loan), LDR (Loan to Deposit Ratio), ROA (Return on Assets), NIM (Net Interest Margin), and CAR (Capital Adequacy Ratio). This study uses quantitative methods using a comparative approach. This study uses data on published banking financial statements for 2019-2021. The population of this study was taken from banks listed on the Indonesia Stock Exchange, using 4 sample banks. The results of this study are seen from the Risk Profile factor based on the NPL ratio, the average value during the Covid-19 pandemic decreased by 2.77%, the LDR ratio, the average value during the Covid-19 pandemic fell to 80.35%, seen from the GCG factor the average value Fixed average of 1.9375, seen from the Earning factor based on the ROA ratio the average value during the Covid-19 pandemic fell to 1.92%, based on the NIM ratio the average value during the Covid-19 pandemic fell to 5.50% , judging from the Capital factor based on the CAR ratio, the average value after the Covid-19 pandemic fell to 22.35%. The conclusion of this study is that the hypothesis does not look real because the results are not obtained from statistical tests but from finding the average (mean).
At the beginning of 2020, the world was shocked by the spread of the Covid-19 virus which spread to almost all countries, including Indonesia. Corona Virus Disease 19 (Covid-19) was decided as a pandemic by the World Health Organization (WHO) in early 2020. This study aims to determine and analyze whether there are differences in the financial performance of banks listed on the Indonesia Stock Exchange before and during the COVID-19 pandemic. 19 which is measured based on the Risk Profile, Good Corporate Governance, Earning, and Capital factors. This analysis uses the RGEC method, the ratios used are NPL (Net Performance Loan), LDR (Loan to Deposit Ratio), ROA (Return on Assets), NIM (Net Interest Margin), and CAR (Capital Adequacy Ratio). This study uses quantitative methods using a comparative approach. This study uses data on published banking financial statements for 2019-2021. The population of this study was taken from banks listed on the Indonesia Stock Exchange, using 4 sample banks. The results of this study are seen from the Risk Profile factor based on the NPL ratio, the average value during the Covid-19 pandemic decreased by 2.77%, the LDR ratio, the average value during the Covid-19 pandemic fell to 80.35%, seen from the GCG factor the average value Fixed average of 1.9375, seen from the Earning factor based on the ROA ratio the average value during the Covid-19 pandemic fell to 1.92%, based on the NIM ratio the average value during the Covid-19 pandemic fell to 5.50% , judging from the Capital factor based on the CAR ratio, the average value after the Covid-19 pandemic fell to 22.35%. The conclusion of this study is that the hypothesis does not look real because the results are not obtained from statistical tests but from finding the average (mean).
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