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Agus Widarjono
Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia, Yogyakarta, Indonesia
Economics, Econometrics & Finance Social Sciences

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Dampak Covid-19 terhadap keuntungan Bank Umum Syariah (BUS) di Indonesia Sintia Dewi Nur Ajizah; Agus Widarjono
Jurnal Kebijakan Ekonomi dan Keuangan Volume 1 Issue 2, Desember 2022
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol1.iss2.art1

Abstract

Purpose – The purpose of this study was to analyze the impact of the Covid-19 pandemic on the profits of Islamic Commercial Banks in Indonesia Methods – The sample used in this study was registered Islamic Commercial Banks in Indonesia with a total of 14 Islamic Commercial Banks during the quarterly period of March, June, September, and December from 2016 – 2020 and using the panel data as a method. Findings – The results showed that the results showed that assets, CAR, and NPF had no significant effect on the profits of Islamic Commercial Banks in Indonesia. While in FDR, BOPO has a significant effect on the profits of Islamic Commercial Banks in Indonesia. In addition, it was found that the Covid-19 pandemic had a significant effect on the profits of Islamic Commercial Banks. Implication – In general, it can be said that during the Covid-19 pandemic there were several aspects that did not affect the profits of Islamic Commercial Banks, but on the other hand there were several important aspects that were directly affected by the Covid-19 pandemic. Originality – This research contributes to modeling the impact of the Covid-19 pandemic on the profits of Islamic Commercial Banks in Indonesia.   Abstrak Tujuan – Tujuan dari penelitian ini adalah untuk menganalisis dampak pandemi Covid-19 terhadap keuntungan Bank Umum Syariah di Indonesia. Metode – Sampel yang digunakan dalam penelitian ini adalah Bank Umum Syariah yang terdaftar di Indonesia yang berjumlah 14 Bank Umum Syariah selama periode triwulan Maret, Juni, September, dan Desember dari tahun 2016 – 2020 dan menggunakan metode data panel. Temuan – Hasil penelitian menunjukkan bahwa aset, CAR, dan NPF tidak berpengaruh signifikan terhadap keuntungan Bank Umum Syariah di Indonesia. Sedangkan pada FDR, BOPO berpengaruh signifikan terhadap keuntungan Bank Umum Syariah di Indonesia. Selain itu, ditemukan bahwa pandemi Covid-19 berdampak signifikan terhadap keuntungan Bank Umum Syariah. Implikasi – Secara umum dapat dikatakan bahwa pada masa pandemi Covid-19 terdapat beberapa aspek yang tidak mempengaruhi keuntungan Bank Umum Syariah, namun di sisi lain terdapat beberapa aspek penting yang terkena dampak langsung dari pandemi Covid-19. pandemi. Orisinalitas – Penelitian ini berkontribusi dalam memodelkan dampak pandemi Covid-19 terhadap keuntungan Bank Umum Syariah di Indonesia.
Diversifikasi pembiayaan dan pengaruh Covid-19 terhadap Non Performing Financing (NPF) di Provinsi Jawa Barat Indonesia Putri Nela Hapsari; Agus Widarjono
Jurnal Kebijakan Ekonomi dan Keuangan Volume 2 Issue 1, Juni 2023
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol2.iss1.art5

Abstract

Purpose – This study aims to analyze the effect of financing diversification using several control variables, namely Z-score, assets, CAR, FDR, BOPO, and to analyze the impact of Covid-19 variables on Non-Performing Financing (NPF) of Islamic Rural Banks (BPRS) in Indonesia.Methods – The data for BPRS are collected from the BPRS located in West Java Province. The static panel data regression method is used for quarterly data from 2013 to 2022.Findings – The results of the study indicate that the variables of financing diversification, assets, CAR, and Covid-19 have a significant negative impact on Non-Performing Financing (NPF). The BOPO variable has a significant positive impact on NPF. The Z-score and FDR variables do not have a significant impact on NPF.Implication – The findings suggest that BPRS, especially those in West Java Province, should reduce high-concentration financing by optimizing Profit and Loss Sharing (PLS) and non-PLS contracts.Originality – This research introduces the use of financing diversification with the Herfindahl-Hirschman Index (HHI) method, which has been less explored by other researchers. AbstrakTujuan – Penelitian ini bertujuan untuk menganalisis pengaruh diversifikasi pembiayaan dengan menggunakan beberapa variabel kontrol yaitu Z-score, asset, CAR, FDR, BOPO, serta menganalisis terkait pengaruh variabel Covid 19 terhadap Non Performing Financing (NPF) BPRS di Indonesia Metode – Data BPRS menggunakan jumlah BPRS yang berada di Provinsi Jawa Barat. Metode regresi data panel statis dengan data kuartal tahun 2013 sampai 2022.Temuan – Hasil dari penelitian adalah variabel diversifikasi pembiayaan, asset, CAR, dan Covid 19 berpengaruh negatif signifikan terhadap Non Performing Financing (NPF). Variabel BOPO berpengaruh positif signifikan terhadap NPF. Variabel Z-score dan FDR tidak berpengaruh terhadap NPF. Implikasi – Hasil penelitian menunjukkan bahwa BPRS terutama BPRS di Provinsi Jawa Barat harus mengurangi pembiayaan terkonsentrasi tinggi dengan mengoptimalkan kontrak PLS dan non PLS Orisinalitas – Penelitian ini menggunakan diversifikasi pembiayaan dengan metode Herfindahl-Hirschman (HHI) yang belum banyak digunakan oleh peneliti lain.
Co-Authors Putri Nela Hapsari Sintia Dewi Nur Ajizah