Comparison Analysis of LDR, NPL, ROA, CAR, and OER Before and During the Covid-19 Pandemic Period

Ayuni, Sri; Situmorang, Bornok

doi:10.2991/aebmr.k.211117.002

Cited by 4 publications

(5 citation statements)

References 4 publications

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“…So great is the value that credit is released from the banking system the difficulties faced in customer payments for credit that has been submitted. This result is in agreement with the research of Ayuni & Situmorang (2021), Siska et al, (2021), and Buana & Patrisia (2021) stated that NPL and LDR there are differences in performance during the pandemic.…”

Section: Risk Profile Indicatorsupporting

confidence: 92%

Comparison Analysis of ASEAN Banking Financial Performance During the Pandemic

Dura¹

2022

JAB

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The arrival of the Covid-19 Pandemic outbreak has had an impact on the collapse of the local economy. The macroeconomics used in this theory explains the relationship between the current economic situation and how it affects banking financial performance with the RGEC indicators were used in this study to compare the financial performance of Indonesia's banking sector with other ASEAN countries, such as Brunei Darussalam, Malaysia, Myanmar, the Philippines, Singapore, Thailand, and Vietnam. This research is a component of comparative research. The subject of the study is ASEAN banking institutions. Sampling with the purposive sampling method in 2019 and 2020 obtained 13 banks produced a complete sample. The parametric homogeneity test is used to test hypotheses in statistical models. The findings show that although there were differences in profit risk and risk profiles of ASEAN banks during the pandemic, there was no difference in capital risk.

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Section: Risk Profile Indicatorsupporting

confidence: 92%

Comparison Analysis of ASEAN Banking Financial Performance During the Pandemic

Dura¹

2022

JAB

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“…ROA adalah pedoman yang dipergunakan dalam rangka menentukan sehat atau tidaknya keadaan perbankan itu sendiri melalui sebuah penilaian kinerja keuangan secara akuntabel dan transparan agar kepercayaan masyarakat dapat meningkat. Kepercayaan masyarakat akan menentukan kinerja suatu bank dalam menjalankan usahanya di era persaingan yang semakin ketat, perbankan harus selalu memperoleh dan mempertahankan kepercayaan dari masyarakat melalui kinerja keuangan yang sehat (Ayuni & Situmorang, 2022) Sumber: Annual Report (Laporan Tahunan) Berdasarkan tabel 1, sesuai annual report melalui website resmi dipublikasikan dalam periode riset, ditemukan secara rata-rata terjadi kenaikan dan penurunan pada return on assets mengalami kenaikan dan penurunan. Hal ini yang melatarbelakangi peneliti tertarik melaksanakan riset terkait perbankan syariah telah go public.…”

Section: Pendahuluanunclassified

Pengaruh Rasio Keuangan terhadap Kinerja Bank Umum Syariah (BUS) Periode 2019-2021

Muliadi¹

2022

gfa

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Purpose – This research purposes to know the influence of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on Return on Assets (ROA) in Islamic Commercial Banks (BUS) for the period 2019-2021. Research Method – Research method is applicated the quantitative descriptive method and the sample is Islamic Commercial Banks (BUS) and which are consistently publish quarterly financial report period 2019-2021. The sample is collected by using purposive method, and multiple linear regression for analyzing the data. Findings – This study found that CAR and NPF has significant effect on ROA in the Islamic Banking while FDR does not have a significant effect on ROA. In general, three independent variables influence ROA about 67,2%. Implication – This study assists to understand the bank management specifically in financial performance. In other hand, the findings can be preferences in making policy for government, helpful to use additional references about comparison of Islamic Banks Financial performance and its influence.

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“…Data yang tercatat mulai tahun 2015 sampai dengan 2019, komponen kinerja keuangan BPR yang berupa asset, pinjaman dan DPK selalu mengalami peningkatan. Namun, data dari Otoritas Jasa Keuangan (OJK) kemudian mencatat nilai restrukturisai kredit BPR pada triwulan ke IV tahun 2020 mencapai 16,83 triliun (Ayuni & Situmorang, 2021). Kondisi serupa juga dialami oleh BPR yang berada di Karesidenan Semarang.…”

Section: Pendahuluanunclassified

“…Kontribusi dari makalah ini adalah mencoba menjawab dampak pandemi covid-19 menurut kerangka pemetaan dampak pandemi covid-19 terhadap perbankan yang diungkapkan oleh (Barua & Barua, 2020) (Ayuni & Situmorang, 2021). Sejak pertama kali menyebar, sampai saat ini, virus Covid-19 berdampak signifikan terhadap perkembangan perekonomian dunia, tidak terkecuali di Indonesia.…”

Section: Pendahuluanunclassified

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Efek Kejut Pandemi Covid-19 Pada Kinerja Bank Perkreditan Rakyat (Bpr): Studi Pada Karesidenan Semarang

Pratiwi¹

2022

dakp

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The Covid-19 pandemic has had an impact on various sectors of life, including a shock effect for the banking industry. The decline in bank credit growth in mid-2020 is evidence of the shock effect. To anticipate various effects, the central bank supports the government by issuing various policies. BPR is growing rapidly in both urban and rural areas. BPR is seen as able to directly touch the community and small business owners with various financial activities. However, at the beginning of the COVID-19 pandemic, OJK recorded a very high credit restructuring value. Similar conditions were also experienced by BPRs in the Residency of Semarang. This study aims to determine whether there is a difference (which is a shock effect) in the financial performance of BPR before and during the covid-19 pandemic. The sample obtained by purposive sampling method is as many as 62 BPR located in the Residency of Semarang. This study uses secondary data in the form of quarterly BPR financial reports. Financial performance analysis was carried out using the CAMEL method. As a result, financial performance in terms of the capital ratio (CAR) and liquidity ratio (LDR) was proven to be affected by the shock effect of the COVID-19 pandemic because there were significant differences between before and during the COVID-19 pandemic. Financial performance in terms of asset quality, management ratios and income, each of which is measured by the ratio of NPL, ROA and BOPO, it is proven that there is no difference between before and during the covid-19 pandemic.

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Comparison Analysis of LDR, NPL, ROA, CAR, and OER Before and During the Covid-19 Pandemic Period

Cited by 4 publications

References 4 publications

Comparison Analysis of ASEAN Banking Financial Performance During the Pandemic

Comparison Analysis of ASEAN Banking Financial Performance During the Pandemic

Pengaruh Rasio Keuangan terhadap Kinerja Bank Umum Syariah (BUS) Periode 2019-2021

Efek Kejut Pandemi Covid-19 Pada Kinerja Bank Perkreditan Rakyat (Bpr): Studi Pada Karesidenan Semarang

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