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Miharni Tjokrosaputro
Universitas Tarumanagara, Jakarta
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Materials Science & Nanotechnology Social Sciences Other

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Kinerja perbankan BPR sebelum dan selama masa pandemi Covid-19 Calvina Calvina; Miharni Tjokrosaputro
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 5 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i5.26506

Abstract

During the Covid-19 pandemic, many economic sectors experienced significant disruption. This also has an impact on the banking sector, including BPR which are financial institutions that play a key role in supporting economic growth at the local level by providing banking services to the MSME sector. The purpose of this study was to examine the influence of Covid-19 on the financial performance of rural banks by determining whether there were differences before and during Covid-19. Quantitative research with a descriptive approach was employed for this study. The data used is secondary data derived from the publication of financial reports which can be accessed via the Financial Services Authority website with the data period 2018-2021. The financial performance ratios used are Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), Operational Income Operating Cost (BOPO), Net Interest Margin (NIM), Non-Performing Loan (NPL), Earning Assets Quality (KAP), Loan to Deposit Ratio (LDR), Cash ratio, and Current Ratio (CR). The data were processed using the Paired sample t-test and Wilcoxon signed-rank test using the EViews 12 application. The findings of this study show that bank performance from LDR has significant differences, while the performance of CAR, ROA, ROE, BOPO, NIM, NPL, KAP, Cash ratio, and CR did not exhibit significant differences before and during the pandemic. Banyak sektor ekonomi mengalami gangguan yang signifikan selama masa pandemi Covid-19. Hal ini juga berdampak pada sektor perbankan, termasuk BPR yang merupakan lembaga keuangan yang berperan penting dalam mendukung pertumbuhan ekonomi di tingkat lokal dengan menyediakan layanan perbankan kepada sektor UMKM. Penelitian ini bertujuan untuk meneliti apakah Covid-19 berdampak terhadap kinerja keuangan perbankan Bank Perkreditan Rakyat dengan membandingkan kinerja BPR sebelum dan selama pandemi. Jenis penelitian merupakan penelitian kuantitatif dengan pendekatan deskriptif. Data yang digunakan merupakan data sekunder yang berasal dari publikasi laporan keuangan yang dapat diakses melalui situs web Otoritas Jasa Keuangan dengan periode data tahun 2018-2021. Ada beberapa rasio kinerja keuangan yang digunakan antara lain Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), Operating Income Operating Cost (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL), Earning Assets Quality (KAP), Loan to Deposit Ratio (LDR), Cash Ratio, dan Current Ratio (CR). Data diolah dengan t-test paired sample dan tes ranking Wilcoxon dengan menggunakan aplikasi EViews 12. Penelitian ini menyimpulkan bahwa kinerja bank dari LDR mengalami perbedaan signifikan, sementara kinerja CAR, ROA, ROE, BOPO, NIM, NPL, KAP, Cash ratio, dan CR tidak mengalami perbedaan signifikan sebelum dan selama terjadinya pandemi.
Peran citra perusahaan dalam memediasi pengaruh kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah terhadap loyalitas nasabah BPR Arifin Arifin; Miharni Tjokrosaputro
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 5 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i5.26514

Abstract

Healing from the Covid-19 pandemic and increasingly fierce competition in the banking industry. BPR has faced challenges in retaining its customers in the face of increased competition from other banks. Therefore, it is important to understand the factors that can affect customer loyalty. This study aims to examine the role of corporate image in mediating service quality, customer trust, and customer satisfaction on BPR customer loyalty. This type of research is descriptive with a cross-sectional research approach. This study used a survey method, by collecting data by distributing questionnaires online. The population in this study were BPR customers using 192 BPR customers as respondents. This study used a non-probability sampling technique with a convenience sampling method. The data obtained were analyzed using SmartPLS software version 3.3.9 which was carried out by testing the outer model analysis and inner model analysis. This study shows that Service Quality, Customer Trust, and Customer Satisfaction have a significant and positive effect on Corporate Image and Customer Loyalty, then Service Quality, Customer Trust, and Customer Satisfaction have an indirect and significant positive effect on Customer Loyalty through Corporate Image as a mediating variable. Penyembuhan dari masa pandemi Covid-19 dan persaingan yang semakin ketat di industri perbankan. BPR menghadapi tantangan dalam mempertahankan nasabah mereka dalam menghadapi persaingan yang meningkat dengan bank-bank lain. Oleh karena itu, penting untuk memahami faktor-faktor yang dapat memengaruhi loyalitas nasabah. Penelitian ini bertujuan untuk menguji peran citra perusahaan dalam memediasi kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah terhadap loyalitas nasabah BPR. Jenis penelitian ini adalah deskriptif dengan pendekatan penelitian cross-sectional. Penelitian ini menggunakan metode survei, dengan pengumpulan data penyebaran kuesioner secara daring. Populasi dalam penelitian ini adalah nasabah BPR dengan menggunakan 192 nasabah BPR sebagai responden. Penelitian ini menggunakan teknik non-probability sampling dengan metode convenience sampling. Data yang diperoleh dianalisis menggunakan software SmartPLS versi 3.3.9 yang dilakukan dengan pengujian outer model analysis dan inner model analysis. Penelitian ini menunjukkan bahwa kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah berpengaruh secara signifikan dan positif terhadap citra perusahaan dan loyalitas nasabah, lalu kualitas pelayanan, kepercayaan nasabah, dan kepuasan nasabah secara tidak langsung dan signifikan positif terhadap loyalitas nasabah melalui citra perusahaan sebagai variabel mediasi.
Co-Authors Agung Nugroho Arifin Arifin Axel Wibawa Calvina Calvina Catherine Catherine Christian Ponarwan Dina Karli Fannylian Lau Henny Henny Herlina Budiono Heryanto Heryanto Ivan Naufaldi Jonnardi Lerbin Aritonang Lucas Kevin Marcella Steffi Rorlen Rorlen Stella Febriani Sumi Sumi Tubagus Muhammad Farhan Urbanus Ura Weruin