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All Journal Indonesian Journal of Geography Economic Journal of Emerging Markets Jurnal Studi Pemerintahan Jurnal Pembangunan Wilayah dan Kota Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Pengelolaan Sumberdaya Alam dan Lingkungan (Journal of Natural Resources and Environmental Management) Jurnal Ekonomi & Studi Pembangunan Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Forum Geografi Benefit: Jurnal Manajemen dan Bisnis JAKPP : Jurnal Analisis Kebijakan & Pelayanan Publik Journal of Governance and Public Policy Jurnal Ilmiah Ekonomi Islam JSSH (Jurnal Sains Sosial dan Humaniora) KOLEGIAL : Jurnal Manajemen, Bisnis, dan Akuntansi Liquidity: Jurnal Riset Akuntansi dan Manajemen International Research Journal of Business Studies (E-Journal) Agregat: Jurnal Ekonomi dan Bisnis Jurnal Organisasi Dan Manajemen Jurnal Mandiri Journal of Innovation in Business and Economics BALANCE Jurnal Akuntansi dan Bisnis Dinasti International Journal of Management Science Jurnal Sains Manajemen dan Bisnis Indonesia Aspirasi : Jurnal Masalah-masalah Sosial GEMA : Jurnal Gentiaras Manajemen dan Akuntansi Indonesian Journal of Economics Application (IJEA) Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Jurnal Sosial dan Teknologi Devotion: Journal of Research and Community Service Jurnal Muhammadiyah Manajemen Bisnis (JMMB) Al-bank: Journal of Islamic Banking and Finance Humantech : Jurnal Ilmiah Multidisiplin Indonesia Melati: Jurnal Media Komunikasi Ilmu Ekonomi Jurnal Studi Pemerintahan Al-bank: Journal of Islamic Banking and Finance
Pitri Yandri
Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta
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Journal : Devotion: Journal of Research and Community Service

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Financial Performance of Ultra-Micro Banks Before and During the Covid-19 Pandemic (A Case Study of BTPN Syariah) Fadillah, Junis; Yandri, Pitri
Devotion : Journal of Research and Community Service Vol. 6 No. 10 (2025): Devotion: Journal of Community Research
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/devotion.v6i10.25538

Abstract

The COVID-19 pandemic has significantly impacted financial performance across all economic sectors, including ultra-micro Islamic banking institutions such as BTPN Syariah, which specializes in serving underprivileged productive communities. This study examines the differences in BTPN Syariah’s financial performance before (2017–2019) and during (2020–2022) the COVID-19 pandemic in Indonesia. Utilizing secondary data from monthly financial statements published by BTPN Syariah, this research employs a paired sample t-test analysis using SPSS software to compare six key financial performance indicators: Return on Assets (ROA), Return on Equity (ROE), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income ratio (BOPO), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). The results indicate significant differences in banking financial performance between the pre-pandemic and pandemic periods, with CAR showing notable improvement due to a strategic Initial Public Offering (IPO), while ROA and ROE experienced temporary declines followed by gradual recovery. These findings contribute to understanding the resilience mechanisms of Islamic ultra-micro banking institutions during crisis periods and provide insights for policymakers and practitioners in developing countercyclical strategies for future economic disruptions.
Co-Authors Ahmad Burhan Ainul Haya Mutia Akhmad Fauzi Akhmad Fauzi Alfa Ruliandi Amrizal Amrizal Amrizal Amrizal Arya Ardany Kusuma Arya Hadi Dharmawan Bambang Juanda Choiruddin Choiruddin D.S. Priyarsono Dominicus Savio Priyarsono Dwi Ratnasari Fadillah, Junis Fathur Rahmansyah fathurrahman, aldi FX Hermawan Kusumartono Haeriyah, Haeriyah Iis Ismawati Intan Adhi Perdana Putri Isnan Hari Mardika Iwan Setiadi Jafril Khalil Kardian, Kardian Kusumartono, FX Hermawan Maktup, Maktup Masduki, Uki Melati Sagita Rizki Muhammad Israr Munggaran Muhyidin, Ayi Nanang Rianto Nanang Rianto, Nanang Nugroho, Kharis Nur Aini Octaviani, Anis Nur Pattipeilohy, Leonardo Jhones Prana, Kierani Pujonegoro, Galeh Putra, Hanif Firmansyah Putri, Intan Adhi Perdana Qory Anissa Ratna Pratiwi Reksawan, Diant Rival Rohmawan Rizki, Melati Sagita Safari, Arief Safina Maulida Safrizal Safrizal Sari, Murni Mala Soraya Nusafayat Sugeng Waluyo Sujatna, Yayat Suryani, Siti Irma Sutia Budi Sutia Budi Uki Masduki, Uki Yanti Budiasih, Yanti Yeni Oktaviani Zelivieska Bintang Maharani