<![CDATA[This study aims to find out the comparison of the occurrence of non-performing financing (NPF) caused by the financing of working capital of Micro, Small and Medium Enterprises (MSMEs) before and during the pandemic covid-19 in Islamic Commercial Banks in Indonesia because during the covid-19 pandemic there was an economic imbalance in the sustainability of small businesses. Islamic Commercial Banks in Indonesia became the population in this study, while the sample was 14 banks with saturated sample techniques. Data before the 2018-2019 pandemic, while during the pandemic used data from 2020-2021 in a time series using combined financial report data of all Islamic commercial banks in Indonesia. This comparative analysis technique uses a paired sample t-test. The results of this study show that there is a significant difference because non-performing financing in working capital financing for MSMEs before the pandemic tends to be higher, while during the pandemic the pandemic has decreased. This shows that during the pandemic, it did not have an impact on Islamic banks because the average non-performing financing on working capital financing for MSMEs decreased so that income increases and ultimately has a positive impact on increased profitability]]>
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