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All Journal Signifikan : Jurnal Ilmu Ekonomi MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Jurnal Riset Ekonomi dan Bisnis Indonesian Journal of Business Analytics (IJBA) Return : Study of Management, Economic and Bussines Journal of Sustainable Community Service International Journal of Management Research and Economics E-Jurnal Ekonomi dan Bisnis Universitas Udayana E-Jurnal Manajemen INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) Optimal: Jurnal Ekonomi dan Manajemen
Sayu Ketut Sutrisna Dewi
Fakultas Ekonomi Dan Bisnis, Universitas Udayana, Bali, Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Analisis Kinerja Keuangan Perbankan di Indonesia Sebelum dan Setelah Pandemi Covid-19 Kevin Aditya Mahesa; Sayu Ketut Sutrisna Dewi
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 4 (2025): Desember OPTIMAL: Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i4.7877

Abstract

This study aims to analyze the differences in the financial performance of the banking sector in Indonesia between the period before and after the Covid-19 pandemic. Financial performance is measured using four fundamental ratios, namely Return on Asset (ROA) for profitability, Loan to Deposit Ratio (LDR) for liquidity, Capital Adequacy Ratio (CAR) for capital, and Non-Performing Loan (NPL) for credit risk. This study uses a comparative quantitative approach with secondary data from the annual financial statements of 39 banking companies listed on the Indonesia Stock Exchange during the period 2019 (before the pandemic) and 2023 (after the pandemic). The data analysis technique used is the Paired Sample T-Test with the help of the SPSS version 25 program. The results showed that there was a statistically significant difference in the ratio of CAR and NPL. The average CAR after the pandemic (37.69%) is significantly higher than before the pandemic (23.81%), which indicates a massive strengthening of bank capital in response to economic uncertainty. The average NPL after the pandemic (1.41%) was also significantly lower than before the pandemic (2.18%), indicating an improvement in the quality of credit assets and the effectiveness of credit risk management implemented by banks post-pandemic. In contrast, the study did not find a statistically significant difference in the ROA and LDR ratios between the two periods, indicating stability in the aspects of banking profitability and liquidity in the sample studied. This shows that even though the banking sector was affected by the pandemic, the ability to generate profits and maintain a balance between third-party funds and credit was maintained. These findings provide important implications for regulators and industry players in formulating adaptive financial policies in the midst of crisis conditions.
Co-Authors Ade Dwi Utama Agus Ari Widana Anak Agung Gede Suarjaya Ayu Desi Indrawati Desi Miadalyni Dewi, Ni Nyoman Sri Rezeki Krisna Gusti Ayu Dwi Ariastuti Henny Rahyuda Hilal Asqalany I Dewa Gede Ariandita Darma I Gede Agus Sumartana I Gst Bagus Honor Satrya I Gusti Bagus Wiksuana I Gusti Bagus Wiksuana I Gusti Ngurah Agung Bagus Dirotsaha Kusuma I Kadek Yoga Dwiantara I Ketut Tantra Riana I Made Dana I Wayan Rai Suarnata Ida Ayu Dwi Pusparini Mas Ida Bagus Anom Purbawangsa Ida Bagus Ketut Surya Ira Puspita Istri Widya Santhi Kadek Indah Putriningrum Kevin Aditya Mahesa Komang Ayu Warnayanti Ni Desak Putu Detik Arima Dewi Ni Kadek Sugiartini Ni Komang Elsa Dewi Ni Luh Putu Sintya Marini Ni Luh Putu Yulia Paramita Ni Putu Ayu Darmayanti Ni Putu Lilis Indriani Ni Putu Santi Suryantini Ni Wayan Indah Paramyta Agustino Ni Wayan Lindayani Ni Wayan Wulan Yuliani Safira Hayu Pramesti Kirana Yosua Lapian