Agustina, Rosi Cikal Dhuhri (2023) Perbandingan Kinerja Keuangan Sebelum dan Saat Pandemi Covid - 19 pada Bank Umum Milik Pemerintah. Undergraduate thesis, Fakultas Ekonomi dan Bisnis Universitas Merdeka Malang.

Preview	Text HALAMAN AWAL.pdf Download (1MB) | Preview
Preview	Text BAB I.pdf Download (210kB) | Preview
	Text BAB II.pdf Restricted to Repository staff only Download (590kB)
	Text BAB III.pdf Restricted to Repository staff only Download (465kB)
	Text BAB IV.pdf Restricted to Repository staff only Download (772kB)
	Text BAB V.pdf Restricted to Repository staff only Download (148kB)
Preview	Text DAFTAR PUSTAKA.pdf Download (237kB) | Preview
Preview	Text HASIL CEK PLAGIASI.pdf Download (188kB) | Preview

Abstract

The impact of Covid-19 had an impact on Indonesia's slowing economic growth. This impact does not only affect the industrial sector or large companies in Indonesia, but also has an impact on the banking sector which is faced with several unusual challenges every year. Such as declining credit/financing growth in the banking industry, with this declining credit growth will affect the banking financial performance. The purpose of this study is to find out and analyze whether there is a significant difference between the financial performance before and during the Covid - 19 pandemic at state-owned banks. In this case CAR, ROA, NPL, LDR, and BOPO are intended as measuring tools in this study. The sample used in this study is a government-owned commercial bank registered with the OJK and the Indonesian Stock Exchange. The data analyzed and tested are monthly financial statements at government-owned commercial banks for the period 2018-2021. Data analysis in this study used a Wilcoxon Signed Rank Test of difference. Based on the results of the research, it was found that the financial performance of government-owned commercial banks had significant differences between before and during the Covid-19 pandemic. However, the results of the average value of the CAR, ROA, NPL, LDR, and BOPO ratios can still be said to be healthy. Although there was a decrease from the previous year. Meanwhile, the NPL ratio experienced an increase of 3.65% from the previous year, from before Covid, which was 3.35% and during Covid, it was 7%. However, the results of the average of the five ratios can still be said to be healthy because they do not exceed the provisions of Bank Indonesia.

Actions (login required)

View Item