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Abstract

The Covid-19 pandemic has put pressure on the economy at large. Not only has the performance of the real sector declined, but also the financial sector. This study aims to see the impact of COVID-19 on the financial performance of Sharia banking in Indonesia through five performance indicators: CAR, NPF, ROA, BOPO, and FDR. The study uses secondary data from 2017-2022 on the three categories of Sharia Banking in Indonesia, including Sharia Commercial Banks (BUS), Sharia Business Units (UUS), and Sharia People's Economic Banks (BPRS). The analytical method used is the paired difference test. The results of the study found that Sharia Commercial Banks (BUS) and BPRS showed better financial performance during the pandemic, where the Capital Adequacy Ratio (CAR) indicator significantly increased and Non-Performing Financing (NPF) significantly decreased. Likewise, the efficiency (BOPO) level is improving at BUS, and the Liquidity (FDR) level at BPRS is improving. Meanwhile, the study did not find significant differences in the financial performance of Sharia Unit Businesses (UUS) for all indicators. These results indicate that the system embedded in Sharia banking is proven to respond better to crises. 


Keywords :  Financial Performance, Sharia Banking, Covid-19 Pandemic


Abstrak


Pandemi Covid-19 telah memberikan tekanan pada perekonomian secara luas. Tidak hanya menurunnya kinerja sektor riil, tetapi juga pada sektor keuangan. Studi ini bertujuan untuk melihat dampak Covid-19 terhadap kinerja keuangan perbankan Syariah di Indonesia melalui lima indikator kinerja yaitu CAR, NPF, ROA, BOPO dan FDR. Studi menggunakan data sekunder dari tahun 2017-2022 pada ketiga kategori perbankan Syariah di Indonesia meliputi Bank Umum Syariah (BUS), Usaha Unit Syariah (UUS) dan Bank Perekonomian Rakyat Syariah (BPRS). Metode analisis yang digunakan adalah uji beda berpasangan. Hasil studi mendapatkan bahwa Bank Umum Syariah (BUS) dan BPRS menunjukkan kinerja keuangan yang semakin baik pada masa Pandemi, dimana Indikator Rasio Kecukupan Modal (CAR) secara signifikan meningkat dan Pembiayaan Bermasalah (NPF) secara signifikan mengalami penurunan. Begitu juga tingkat efisiensi (BOPO) yang semakin baik pada BUS dan tingkat Likuiditas (FDR) pada BPRS yang membaik. Sementara itu, studi tidak menemukan perbedaan signifikan kinerja keuangan Usaha Unit Syariah (UUS) untuk semua indikator. Secara keseluruhan, hasil ini mengindikasikan bahwa sistem yang melekat pada perbankan Syariah terbukti mampu merespon krisis secara lebih baik.


Kata Kunci : Kinerja Keuangan, Perbankan Syariah, Pandemi Covid-19

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How to Cite
Zulyanto, A. (2023). Dampak Pandemi Covid-19 Terhadap Kinerja Perbankan Syariah Di Indonesia. Convergence: The Journal of Economic Development, 5(2), 99–111. https://doi.org/10.33369/convergencejep.v5i2.32478
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