Kinerja Bank Perkreditan Rakyat di Kabupaten Badung Bali Sebelum dan Selama Pandemi Covid-19
DOI:
https://doi.org/10.36733/juara.v12i2.3757Keywords:
BOPO, CAR, LDR, NPL, ROAAbstract
The financial performance of the banking sector is very important because it can be an early indication of a financial crisis, which can trigger an economic crisis in a country. The purpose of this study was to determine the financial performance of Rural Banks (BPR) in Badung Regency, Bali Province before and during the covid-19 pandemic. BPR financial ratio data for the 2016-2019 period is used as BPR performance data before the covid-19 pandemic, while financial ratios in 2020 are used as BPR performance data during the covid-19 pandemic. The results showed that the CAR ratio increased and differed significantly compared to before the covid-19 pandemic. The NPL ratio also shows an increase and is significantly different compared to before the covid-19 pandemic. The ROA ratio shows a decrease and is significantly different compared to before the covid-19 pandemic. The BOPO ratio shows an increase and is significantly different compared to before the covid-19 pandemic. Meanwhile, the LDR ratio showed an increase but was not significantly different from before the covid-19 pandemic. The change in financial ratios shows a decline in the performance of BPRs in Badung Regency during the covid-19 pandemic.
Downloads
References
Afriyani, A., & Fernos, J. 2018. Analisis Faktor Faktor Penentu Kinerja Profitabilitas Bank Perkreditan Rakyat (BPR) Konvensional Di Sumatera Barat : Jurnal Benefita, 3(3), 325-335. https://doi.org/10.22216/jbe.v3i3.3623
Badan Pusat Statistik. 2021. Berita Resmi Statistik 5 Februari 2021. Badan Pusat Statistik
Demirguc Kunt, A., Pedraza, A., & Ruiz-Ortega, C. 2021. Banking Sector Performance During the Covid-19 Crisis : Journal of Banking & Finance, 133. https://doi.org/10.1016/j.jbankfin.2021.106305
Ghozali, Imam. 2016. Aplikasi Analissi Multivariate Dengan Program IBM SPSS 23. Semarang : Badan Penerbit Universitas Diponegoro.
Hidayati, L, N. 2015. Pengaruh Kecukupan Modal (CAR), Pengelolaan Kredit (NPL), dan Liquiditas Bank (LDR) Terhadap Probabilitas Kebangkrutan Bank (Studi Kasus Bank Umum Swasta Devisa yang tercatat di BEI Tahun 2009 -2013. Jurnal Ilmu Manajemen, 12 (1), 38-50.
Hladika, M. 2021. Impact Of Covid-19 Pandemic On The Loans Quality, Provisions and Profitability Of The Banking Sector : Book of Proceedings 6th International Scientify Conference on Economic And Sosial Development – Sustainability And Post Covid World, Dubai, 3 June 2021, 138-149.
Indira, G. A., & Muljawan,D. 2003. Memprediksi Kondisi Perbankan Melalui Pendekatan Solvency Secara Dinamis. Buletin Ekonomi dan Moneter. 1 (2). https://doi.org/10.21098/bemp.v1i2.166
Jalih, J. H., & Rani, I. H. 2020. Respon NPL Bank Konvensional di Indonesia: Analisis Sebelum dan Sesudah Pandemi Covid-19 dan Penerapan New Normal. Jurnal Reviu Akuntansi Dan Bisnis Indonesia, 4(2).
Luh Putu Eka Suryaninggrum, Made Kembar Sri Budhi, I Gede Sudjana Budiasa. 2016. Peran Mediasi Perbankan Dalam Mendorong Pertumbuhan Sektor Riil Di Indonesia. E-Journal Ekonomi dan Bisnis Universitas Udayana, 9 (5), 2777-2800.
Otoritas Jasa Keuangan 2020. Peraturan Otoritas Jasa Keuangan Nomor 48/PJOK.03/2020 Tentang Perubahan Peraturan Otoritas Jasa Keuangan No 11/PJOK.03/2020 Tentang Stimulus Perekoomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019.
Otoritas Jasa Keuangan. 2020. Peraturan Otoritas Jasa Keuangan Nomor 11/PJOK.03/2020 Tentang Stimulus Perekoomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019.
Otoritas Jasa Keuangan. 2021. Laporan Profil Industri Perbankan Triwulan IV-2020. Otoritas Jasa Keuangan.
Sofyan, M. 2019. Pengaruh CAR, NPL, BOPO, dan ROA terhadap LDR (Studi Pada BPR Di KabupatenProvinsi Jawa Barat Pada Semester I 2016). Jurnal Ilmiah Ekbank, 2 (1), 50-64.
Soko, Felicita Adelanam, Harjanti, M. F. 2022. Perbedaan Kinerja Perusahaan Perbankan Sebelum Dan Saat Pandemi Covid-19, Proceding Of National Conference On Accounting & Finance, 306–312.
Sullivan, V. S., & Widoatmodjo, S. 2021. Kinerja Keuangan Bank Sebelum dan Selama Pandemi (Covid-19). Jurnal Manajerial dan Kewirausahaan, 3(1), 257-266. https://doi.org/10.24912/jmk.v3i1.11319
Suyana Utama, Made. 2005. Aplikasi Analisis Kuantitatif. Denpasar : Fakultas Ekonomi Universitas Udayana
Tiono, I., & Djaddang, S. 2021. Analisis Komparasi Kinerja Keuangan Pada Perbankan Konvensional Buku IV di Indonesia Sebelum dan sesudah pandemi Covid-19. Jurnal Akuntansi, Auditing dan Keuangan, 18 (1), 72-90. https://doi.org/10.25170/balance.v18i1.2336
Undang-Undang Negara Republik Indonesia. 1998. Undang Undang No 10 Tahun 1998 Tentang Perubahan Undang Undang Nomor 7 Tahun 1992 Tentang Perbankan.
