ANALISA KINERJA KEUANGAN BANK PEMBIAYAAN RAKYAT SYARIAH DENGAN BANK PERKREDITAN RAKYAT PADA MASA PANDEMI COVID-19 DI INDONESIA
Abstract
Financial performance in Islamic Rural Banks (IRBs) or BPRS compared to Rural Banks (RBs) or BPR during COVID-19 pandemic in Indonesia have important analyzed according to financial ratio such as ROA, ROE, NPF or NPL and FDR or LDR. Data is analyzed from Indonesia Financial Service Authority (OJK) statistic for 15 months since March 2020 until May 2021 from 163 BPRS and 1,496 BPR. This research uses quantitative method. Analysis result found that ROA BPRS is higher than BPR, ROE BPRS is higher than BPR, NPF BPRS is higher than NPL BPR, FDR BPRS is higher than LDR BPR. In conclusion that the financial performance of BPRS during COVID-19 pandemic is better than BPR in Indonesia in ROA and ROE, but worse in NPF and FDR for BPRS.
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