Widiastuti, Shinta (2023) Analisis Perbedaan Kinerja Keuangan Bank BUMN Sebelum Pandemi dan Saat Pandemi Covid-19 (Studi pada Perusahaan Perbankan yang Terdaftar di BEI). Undergraduate thesis, Fakultas Ekonomi dan Bisnis Universitas Merdeka Malang.

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Abstract

This study aims to determine differences in the performance of BUMN banking before and during the Covid-19 pandemic (studies of banking companies listed on the Indonesia Stock Exchange/IDX). The period used as a comparison is two years before the covid-19 pandemic and two years during the covid pandemic. -19, namely from 2018 to 2021. The data used is secondary data in the form of annual financial reports obtained from the official IDX and OJK websites. The sample selection used purposive sampling with the total data obtained by 4 state-owned banking companies namely BRI, BNI, BTN and Mandiri. The analytical method used is descriptive analysis, normality test and hypothesis testing paired t-test to test normally distributed data and Wilcoxon's marked ranking test to test data that is not normally distributed. Testing using SPSS software. Intake of variables using the Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) method in accordance with Bank Indonesia Regulation No.13/1/PBI/2011. The variables used and measured are Non-Performing Loans (NPL) to measure non-performing loans or risk profiles, Return on Assets (ROA) to measure profit or profit, and Capital Adequacy Ratio (CAR) to measure capital adequacy or capital. The results of this study indicate that the NPL value tested by paired sample t-test shows no difference in financial performance before and during the Covid-19 pandemic. The ROA value tested by paired sample t-test shows that there is a difference in financial performance before and during the Covid-19 pandemic. The CAR value tested using the paired sample t-test shows no difference in financial performance before and during the Covid-19 pandemic.

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