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All Journal Jurnal Ilmiah Econosains Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Jurnal Pemberdayaan Masyarakat Madani (JPMM) JURNAL SYARIKAH : JURNAL EKONOMI ISLAM JURNAL VISIONIDA IKRA-ITH EKONOMIKA Ekonomi dan Bisnis EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Etihad: Journal of Islamic Banking and Finance Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Bussman Journal : Indonesian Journal of Business and Management Islamic Economics and Business Review (IESBIR) International Journal of Emerging Issues in Islamic Studies IIJSE Veteran Economics, Management & Accounting Review Equity Jurnal Pengabdian Masyarakat Inovasi Indonesia
Mira Rahmi
Universitas Pembangunan Nasional Veteran Jakarta
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Government Fund Placement and BRI Performance: Evidence from a Rp 55 Trillion Mira Rahmi; Tri Siswantini; Subur
Veteran Economics, Management, & Accounting Review Vol 4 No 2 (2026)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v4i2.14800

Abstract

This study examines the impact of government fund placement on the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk (BRI) before and after the implementation of the government liquidity support program. A quantitative comparative approach was employed using monthly financial statement data from January 2025 to April 2026. Financial performance was measured using ROA, ROE, LDR, and BOPO. The observation period consisted of eight months before and eight months after the implementation of the policy in September 2025. Data were analyzed using descriptive statistics and the Wilcoxon Signed Rank Test. The results show that the government fund placement program significantly improved ROA and LDR, indicating enhanced asset profitability and stronger banking intermediation. These findings support Financial Intermediation Theory, which emphasizes the importance of liquidity in strengthening banks’ intermediary functions and improving financial performance. The study contributes to the literature by providing empirical evidence on the effectiveness of government liquidity intervention and offers practical insights for policymakers and bank management in evaluating liquidity support programs. Keywords: BOPO; Financial Performance; Government Fund Placement; LDR; Profitability.   Abstrak Studi ini menguji dampak penempatan dana pemerintah terhadap kinerja keuangan PT Bank Rakyat Indonesia (Persero) Tbk (BRI) sebelum dan sesudah penerapan program dukungan likuiditas pemerintah. Penelitian ini menggunakan pendekatan kuantitatif komparatif dengan memanfaatkan data laporan keuangan bulanan dari Januari 2025 hingga April 2026. Kinerja keuangan diukur menggunakan ROA, ROE, LDR, dan BOPO. Periode pengamatan mencakup delapan bulan sebelum dan delapan bulan sesudah kebijakan diterapkan pada September 2025. Data dianalisis menggunakan statistik deskriptif dan Wilcoxon Signed Rank Test. Hasil penelitian menunjukkan bahwa program penempatan dana pemerintah secara signifikan meningkatkan ROA dan LDR, yang mengindikasikan peningkatan profitabilitas aset dan penguatan fungsi intermediasi perbankan. Temuan ini mendukung Financial Intermediation Theory, yang menekankan pentingnya likuiditas dalam memperkuat fungsi intermediasi bank dan meningkatkan kinerja keuangan. Penelitian ini berkontribusi pada literatur dengan memberikan bukti empiris mengenai efektivitas intervensi likuiditas pemerintah serta memberikan wawasan praktis bagi pembuat kebijakan dan manajemen bank dalam mengevaluasi program dukungan likuiditas.  Kata kunci: BOPO; Dukungan Likuiditas; Kinerja Keuangan; LDR; Penempatan Dana Pemerintah;
Co-Authors Ahmad Muzaqi Mu'min Akhira Yuliana Anggi Angga Resti Anisa Husna Adinta Anita Nopiyanti Annisya Nuriva Handayani Bilqis Nabilah Dienni R Sholihah Dienni Ruhjatini Sholihah Fadlillah, Alnisa Min Farhan Fadlirahman Fathoni, Muhammad Anwar Hurriyanti, Ratih Ira Valentina Silalahi Jenji Gunaedi Argo Maharani, Renita Mahesazzumar, Radja Rabbani Mochammad Imron Awalludin Muhammad Izzuddin Al-Fathi Basit Puspo Dewi Dirgantari Pusporini, Pusporini Putri Anggraeni Putri Ramadhani, Putri Ratih Hurriyanti Ratna Sari Renny Husniati Rizky Syachlan Pratama Sari, Retna Sholikha, Amaliyah Silalahi, Ira Valentina Subur Sufyati HS Suharyati Suharyati Susi Indriani Tati Handayani Toni Priyanto, Toni Tri Siswantini Trisiladi Supriyanto, Trisiladi Tsaniya Al-Labiyah, andira Valzsa, Teuku Zadhe Yulianti, Velia Dwi