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All Journal Jurnal Penelitian Ekonomi Akuntansi (JENSI) Indonesian Journal of Banking and Financial Technology (FINTECH)
Winarni
Politeknik Negeri Semarang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analysis of Banking Performance and Risk in Indonesia during the Covid-19 Pandemic Nurseto Adhi; Sri Widiyati; Winarni; Embun Duriany Soemarso; R. Gunawan Setianegara
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 2 (2023): April 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i2.4787

Abstract

The banking sector has experienced a decline in demand for credit and a lack of disbursement, which has had an impact on the income of bank credit borrowers. Knowing the financial performance of banks during the Covid-19 pandemic can provide a good explanation of the problems faced by the banking sector. The analysis used in this study was a comparative comparison of two observations using a paired sample T-test. The variables used in this study are ROA, ROE, BOPO, LDR, CAR and NPL. This research found that the Covid-19 pandemic affected the decline in bank performance in general. This can be seen in the values of ROA, ROE, RORA, NPM, LDR, and NIM which have decreased in value before and after the pandemic. This research also found that the COVID-19 pandemic increased bank risk during the pandemic. This can be seen in the BOPO and KPMM variables which have increased from before and after the pandemic.
Pengaruh Kredit Bermasalah, Likuiditas, dan Inflasi terhadap Profitabilitas Bank BUMN Khairina Salsa Putri; Winarni; Mirasanti Wahyuni
Jurnal Penelitian Ekonomi Akuntansi Vol 7 No 2 (2023)
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jensi.v7i2.8432

Abstract

This research aims to determine the effect of Non Performing Loan, Liquidity, and Inflation toward Profitability on the State-Owned Bank period 2013 – 2022. In this research the sampling technique used was non probability sampling technique and managed to obtained 4 banks. The data used is secondary data from the annual financial reports of State-Owned Banks. The data analysis model uses the Multiple Linear Regression Model. The data analysis technique uses the F Statistical Test, the t Statistical Test, and the Coefficient of Determination. The results of the analysis show that NPL, LDR, and Inflation simultaneously have a significant effect on Profitability. NPL, LDR, and Inflation partially have a significant effect on Profitability at State-Owned Banks for the 2013 – 2022 period. The limitations of this study are the independent variables and the population used are still limited, so it is hoped that next research can add to the independent variables and the population widely.
Co-Authors Embun Duriany Soemarso Khairina Salsa Putri Mirasanti Wahyuni Nurseto Adhi R. Gunawan Setianegara Sri Widiyati, Sri