Analysis Of Bank Performance Before And After Covid 19 In Banking Companies Listed On Idx
Abstract
This study aims to analyze the banking performance before and after covid 19 in banking companies listed on the IDX. In this study, the banking performance indicators analyzed are the CAR (Capital Adequacy Ratio), BOPO (Operating Expenses to Operating Income), NIM (Net Interest Margin), LDR (Loan to Deposit Ratio), and ROA (Return On Assets). The sample used is banking companies listed on the Indonesia Stock Exchange (IDX) in 2019 and 2020 with the total of 43 banks. This study an event to examine the differences or changes in banking financial performance, before covid 19 and after covid 19. The data analysis technique used is the average difference test using SPSS program. Based on the test results, it was found that the COVID-19 pandemic caused the BOPO, NIM, LDR and ROA ratios to decrease or worsen, while the CAR ratio increased.
Downloads
References
Adeyemi-Bello, Tope, “The Performance Implications for retail banks of matching Organization Strategies with Structure and Competition”, International Journal of Management, 2000, vol.17, pp.443.
Ali, Masyhud, 2004, Asset Liability Management: Menyiasati Risiko Pasar dan Risiko Operasional, PT. Gramedia Jakarta
CNN, 2020. https://www.cnnindonesia.com/gaya-hidup/20200312113105-255-482774/ mengenal-makna-status-pandemi-virus-corona
Ghozali, Imam, 2005, Aplikasi Analisis Multivariate dengan Program SPSS, Edisi 3, Badan Penerbit Universitas Diponegoro, Semarang.
Gift, Eke O. Internal Control and Financial Performance of Hospitality Organisations In Rivers State. European Journal of Accounting, Auditing and Finance Research. Vol. 6, No.3, pp. 32- 52, April 2018.
Haryati, Sri, 2001. “Analisis Kebangkrutan Bank”, Jurnal Ekonomi dan Bisnis Indonesia, Vol.16, No.4, pp.336-345.
Hempel, George H., Alan B. Coleman, Donald G. Simonson, 1986, Bank Management Text And Cases, John Wilry and Sons.
Horne, James C. Van, 1995, Fundamental of Financial Management, 9th Edition, United Stated of America, Prentice-Hall International Inc.
Husnan, Suad, 1998, Manajemen Keuangan – Teori dan Penerapan, Buku 2, BPFE Yogyakarta.
Ikatan Akuntan Indonesia, 1995, Standar Akuntansi Keuangan, Salemba Empat, Jakarta.
Muljono, Teguh Pudjo, 1999, Aplikasi Akuntansi Manajemen Dalam Praktik Perbankan, Edisi 3, , BPFE Yogyakarta.
Otoritas Jasa Keuangan. (2020). POJK No. 11/POJK.03/2020 tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease
Otoritas Jasa Keuangan. (2020). Siaran Pers OJK SP 26/DHMS/OJK/IV/ 2020 tentang Siaran Pers Operasional Industri Jasa Keuangan Dalam Masa Penerapan Pembatasan Sosial Berskala Besar (PSBB) Di Berbagai Daerah
Otoritas Jasa Keuangan. (2020). POJK No. 18 / POJK.03/2020 tentang Perintah Tertulis untuk Penanganan Permasalahan Bank
Peraturan Bank Indonesia No.5 / 8 / PBI / 2003, Penerapan Manajemen Risiko bagi Bank Umum.
Peraturan Bank Indonesia No. 22/3/PBI/2020 tentang Perubahan atas Peraturan Bank Indonesia Nomor 20/3/PBI/2018 tentang Giro Wajib Minimum Dalam Rupiah dan Valuta Asing Bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah
Peraturan Pemerintah Indonesia PP No 21 tahun 2020 mengenai Pembatasan Sosial Berskala Besar (PSBB)
Perhimpunan Dokter Paru Indonesia (2020). Panduan Praktik Klinis: Pneumonia 2019-nCoV. PDPI : Jakarta
Riedel S, Morse S, Mietzner T, Miller S. Jawetz, Melnick, & Adelberg’s Medical Microbiology. 28th ed. New York: McGraw Hill Education/Medical; 2019. p.617-22
Surat Edaran Bank Indonesia No 3/30 DPNP tgl 14 Desember 2001, Perihal Laporan Keuangan Publikasi Bank Umum kepada Bank Indonesia, Bank Indonesia Jakarta.
Surat Edaran Bank Indonesia No 6/73/Intern DPNP tgl 24 Desember 2004, Perihal Pedoman Sistem Penilaian Tingkat Kesehatan Bank Umum (CAMELS Rating), Bank Indonesia, Jakarta.
WHO (2020). WHO Director-General’s remarks at the media briefing on 2019-nCoV on 11 February 2020. Cited Feb 13rd 2020.
