%A 1821021001 Masita Anggraini
%T PENGARUH COVID-19 TERHADAP KINERJA PERBANKAN DI INDONESIA
%X Penelitian ini bertujuan untuk menganalisis perbedaan ROA, CAR, BOPO,
NPL/NPF, LDR/FDR perbankan konvensional dan perbankan syariah sebelum
dan selama pandemi Covid-19. Data yang digunakan merupakan data sekunder
yang terdiri dari data bulanan sebelum terjadi pandemi Covid-19 yaitu September
2018 ? Februari 2020 dan data bulanan selama pandemi Covid-19 yaitu Maret
2020 ? Agustus 2021. Variabel yang digunakan adalah ROA, CAR, BOPO,
NPL/NPF, dan LDR/FDR. Alat analisis yang digunakan adalah uji beda
Dependent Sample T-Test. Hasil penelitian:
1.)Terdapat perbedaan yang signifikan antara rasio ROA, BOPO, dan LDR
sebelum dan selama Covid-19. Era covid-19 telah menurunkan kinerja perbankan
konvensional dilihat dari rata-rata rasio ROA, BOPO, dan LDR, sementara rasio
CAR dan NPL tidak terdapat perbedaan kinerja sebelum dan selama covid-19.
Namun secara umum rasio kinerja keuangan perbankan konvensional selama
covid-19 masih masuk dalam kategori baik menurut standar Bank Indonesia; 2.)
Terdapat perbedaan yang signifikan antara rasio ROA, CAR, BOPO dan FDR
sebelum dan selama Covid-19. Namun untuk rasio NPF tidak terdapat perbedaan
kinerja sebelum dan selama covid-19. Namun secara umum rasio kinerja
keuangan perbankan syariah selama covid-19 masih dalam kategori yang baik
menurut standar Bank Indonesia.
Kata Kunci: Covid-19, ROA, CAR, BOPO, NPL/NPF, dan LDR/FDR.

This study aims to analyze the differences in ROA, CAR, BOPO, NPL/NPF,
LDR/FDR conventional banking and Islamic banking before and during the
Covid-19 pandemic. The data used is secondary data consisting of monthly data
before the Covid-19 pandemic occurred, namely September 2018 - February 2020
and monthly data during the Covid-19 pandemic, namely March 2020 - August
2021. The variables used are ROA, CAR, BOPO, NPL/ NPF, and LDR/FDR. The
analytical tool used is the Dependent Sample T-Test difference test. Research
result:
1.) There is a significant difference between the ROA, BOPO, and LDR ratios
before and during Covid-19. The Covid-19 era has reduced the performance of
conventional banking seen from the average ROA, BOPO, and LDR ratios, while
the CAR and NPL ratios have no differences in performance before and during
covid-19. However, in general, the conventional banking financial performance
ratio during COVID-19 is still in the good category according to Bank Indonesia
standards; 2.) There is a significant difference between the ROA, CAR, BOPO
and FDR ratios before and during Covid-19. However, for the NPF ratio, there is
no difference in performance before and during COVID-19. However, in general,
the financial performance ratio of Islamic banking during COVID-19 is still in a
good category according to Bank Indonesia standards.
Keywords: Covid-19, ROA, CAR, BOPO, NPL/NPF, and LDR/FDR.
%D 2021
%I UNIVERITAS LAMPUNG
%L eprints62058