Analisis Pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19

Abstract

<div><table cellspacing="0" cellpadding="0" align="right"><tbody><tr><td align="left" valign="top"><p>Corona Virus Desease 19 (Covid-19) is a pandemic that has spread to almost all countries, including Indonesia. As a result, impacts to various types of sectors are not only health, but also the banking system. The purpose of this study to analyze the CAR, NPF, FDR, ROA and inflation on the profitability of Islamic banking days of the pandemic Covid-19. This research method is quantitative descriptive using secondary data for the first quarter of 2020 obtained from the official pages of each bank and inflation data from the Central Statistics Agency (BPS) page. Purposive sampling selected in this study were that the total sample of 11 Islamic Banks. Statistical test results show simultaneously CAR, FDR, NPF, BOPO and Inflation have an impact on ROA even during the Covid-19 pandemic. This finding has practical implications for customers that make it possible to continue using Islamic banking services.</p></td></tr></tbody></table></div>

Analisis Dampak Covid 19 Terhadap Kinerja Keuangan Perbankan Syariah Di Indonesia

“…Oleh karenanya, resiko tersebut pada akhirnya akan memiliki dampak terhadap kinerja dan profitabilitas perbankan syariah. (Wahyudi, 2020).…”

Perbedaan NPF dan FDR Bank Muamalat antara Sebelum dan Selama Pandemi Covid-19

“…Selanjutnya Wahyudi (2020) [10] menyatakan bahwa di masa pandemi Covid-19, perbankan syariah menghadapi beberapa kemungkinan risiko, yaitu risiko pembiayaan macet (NPF), risiko pasar dan risiko likuiditas. Karenanya, risiko tersebut pada akhirnya akan memiliki dampak terhadap kinerja dan profitabilitas perbankan syariah.…”

“…Berdasarkan temuan tersebut, inflasi merupakan salah satu faktor yang mempengaruhi NPF bank syariah, baik dalam jangka pendek maupun jangka panjang. [10] Kenaikan inflasi merupakan penyebab dari kenaikan harga, sehingga akan menurunkan tingkat konsumsi barang dan jasa masyarakat. Dampak penurunan daya beli masyarakat akan mempengaruhi tingkat produksi perusahaan yang pada akhirnya juga akan mempengaruhi target laba perusahaan.…”

Covid-19 Pandemic: The Study for Reserve Requirement of Indonesia

“…) is one of the pandemics that have spread to almost all countries, including Indonesian. As a result, impacts on different types of sectors are not only health but also the banking system (Wahyudi, 2020).With the covid-19 pandemic this, the government of the Republic of Indonesia regulations, namely ordering the community to Indonesia to stay at home and do not leave the house and do PSBB to keep your distance. It is resulting in the community not being able to get out of the home to carry out activities such as usually, such as trading, farming, breeding, etc (Salam, 2020).…”