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All Journal Contemporary Studies in Economic, Finance and Banking (CSEFB)
Indra Jalu Asmara
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Economics, Econometrics & Finance Social Sciences

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The Effects of Covid-19 Global Crisis on the Resistance of Conventional Banks in Indonesia Indra Jalu Asmara; Silvi Asna Prestianawati
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This research analyzes the impact of the global COVID-19 crisis on the resilience of Conventional banking in Indonesia. Conventional banking is often considered strong and resistant to global crises, thus requiring further investigation due to the lack of prior research on this topic. Variables used to represent the global crisis include inflation, interest rates, IDR/USD exchange rates, crude oil prices, and the industrial production index, which affect the Conventional banking resistance index aggregated from total assets, total credit, non-performing loan, third-party funds, operating expenses to operating income, loan to deposit ratio, capital adequacy ratio, and return on assets. The results of the VAR/VECM model indicate that inflation does not have a significant impact in both the short and long term. Meanwhile, interest rates, crude oil prices, and the industrial production index have a significant negative impact in the long term, whereas the IDR/USD exchange rate shows a significant positive effect in the long term. Conventional banks are shown to respond well to changes in independent variables, as demonstrated by the impulse response function results. The variance decomposition values reveal that the influence of independent variables diminishes over time. Based on these findings, it can be concluded that conventional banks are resilient in facing economic crises.
Co-Authors Silvi Asna Prestianawati