Banking Financial Performance Before and During the Covid 19 Pandemic in Indonesia
Analysis of Comparison Between Islamic and Conventional Banking
DOI:
https://doi.org/10.31686/ijier.vol9.iss11.3506Keywords:
Financial Performance, Covid-19, PandemicAbstract
Banking is one of the financial institutions that is very influential on the economic conditions of a country. The level of banking liquidity is a reflection of the condition of the national economy. This study examines the differences in the financial performance of conventional banking and Islamic financial performance before and during the COVID-19 pandemic in Indonesia. The variables used to measure banking financial performance are risk profile, earnings, and capital.The data used are financial reports published by Otoritas Jasa Keuangan (OJK). The analysis used is the Multivariate Analysis of Variance (MANOVA). The results of the analysis found that there was no difference in the financial performance of Islamic banking on risk profile, earning, and capital indicators before and during the COVID-19 pandemic; there is no difference in the conventional financial performance of earning indicators before and during the Covid 19 pandemic; and there is no difference in the financial performance of conventional banking earning indicators during covid 19 and Islamic banking financial performance indicators of earning before covid 19. This analysis shows that the performance of Islamic finance is still able to deal with the impact of the COVID 19 pandemic in Indonesia.
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Banking is one of the financial institutions that is very influential on the economic conditions of
a country. The level of banking liquidity is a reflection of the condition of the national economy.
This study examines the differences in the financial performance of conventional banking and
Islamic financial performance before and during the COVID-19 pandemic in Indonesia. The
variables used to measure banking financial performance are risk profile, earnings, and capital.
The data used are financial reports published by Otoritas Jasa Keuangan (OJK). The analysis
used is the Multivariate Analysis of Variance (MANOVA). The results of the analysis found that
there was no difference in the financial performance of Islamic banking on risk profile, earning,
and capital indicators before and during the COVID-19 pandemic; there is no difference in the
conventional financial performance of earning indicators before and during the Covid 19
pandemic; and there is no difference in the financial performance of conventional banking
earning indicators during covid 19 and Islamic banking financial performance indicators of
earning before covid 19. This analysis shows that the performance of Islamic finance is still able
to deal with the impact of the COVID 19 pandemic in Indonesia.
Keyword: Financial Performance, COVID 19 Pandemic
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Accepted 2021-11-03
Published 2021-11-01
