Analysis of the Performance of Rural Sharia Banks in Indonesia During the Covid-19 Pandemic
Main Article Content
Abstract
Covid-19 has a significant impact on the economy, including the Islamic financial industry in Indonesia. So, research on the performance of Islamic banks, including the performance of Islamic banks in Indonesia is very interesting to study. This study aims to determine the level of performance of BPRS in Indonesia during the Covid-19 pandemic in 2019-2021, based on OJK Circular Letter; SEOJK number 28/SEOJK.03/2019. This study uses qualitative descriptive methodology. The results of the study show that the average CAR ratio of BPRS in 2019-2021 is 23.46 percent, which indicates that BPRS is very healthy. The average NPF ratio of BPRS in 2019-2021 is 7.08 percent, which indicates that BPRS is healthy. And the average ROA ratio of BPRS in 2019-2021 is 2.11 percent, which indicates that BPRS is very healthy. Based on the above research results, the performance of BPRS in Indonesia during the Covid-19 pandemic was exceptional. This means that BPRS in Indonesia can continue to operate intact even under sluggish economic conditions. This shows that the performance of BPRS in Indonesia during the Covid-19 pandemic is in the healthy and stable category. This emphasizes that Islamic banks are resilient in the face of an economic crisis. Therefore, it is expected that bank management should always improve the performance of BPRS by paying attention to the capital aspect, asset quality aspect, income aspect, and liquidity aspect.
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Rizal, F. (2023). Analysis of the Performance of Rural Sharia Banks in Indonesia During the Covid-19 Pandemic. Invest Journal of Sharia & Economic Law, 3(1), 105-119. https://doi.org/10.21154/invest.v3i1.6025
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Diana, Sri, Sulastiningsih, Endar Sulistya, and Purwati. “Analisis Kinerja Keuangan Perbankan Syariah Indonesia Pada Masa Pandemi Covid-19.” Jurnal Riset Akuntansi Dan Bisnis Indonesia 1, no. 1 (2021).
Direksi Bank Indonesia. “Surat Keputusan Direksi Bank Indonesia Nomor 30/12/KEP/DIR Tentang Tatacara Penilaian Tingkat Kesehatan Bank Perkreditan Rakyat,” 1997.
Fiskal, Badan Kebijakan. “Keuangan Syariah Sangat Berperan Dalam Pemulihan Ekonomi Nasional.” Kementerian Keuangan Republik Indonesia, 2021.
Greuning, Hennie Van, and Zamir Iqbal. Risk Analisis for Islamic Bank. Washigton, DC: The International Bank for Reconstruction and Development/The World Bank, 2008.
Hasan, M. Kabir, and Abdel Hameed M. Bashir. Determinants of Islamic Banking Profitability. London: Edinburgh University Press, 2005.
Hasan, Nurul Fatma. "Performance of Indonesian Sharia Rural Bank During Covid-19 Pandemic: A Descriptive Analysis." Velocity: Journal of Sharia Finance and Banking 2, no. 1 (2022): 25–33. https://doi.org/10.28918/velocity.v2i1.5192.
Herman. “Pangsa Pasar Keuangan Syariah Indonesia Capai 10,69 Persen.” beritasatu.com, 2023.
Hidayat, Ali Akhmad Noor. “OJK Catat Aset Industri Perbankan Syariah 2021 Naik 13,94 Persen.” Tempo.co, 2022.
Kasmir. Manajemen Perbankan. Jakarta: Rajawali Pers, 2012.
Kristina, Liris, and Irwan Prasetyo. “Tingkat Kesehatan BPRS Di Jawa Tengah Selama COVID-19.” Monex-Journal of Accounting Research 5321, no. 02 (2022).
Levine, Ross. "Financial Development and Economic Growth: Views and Agenda." Journal of Economic Literature 35, no. 2 (1997): 688–726.
Ludijanto, Shella Ekawati, Siti Ragil Handayani, and Raden Rustam Hidayat. “Pengaruh Analisis Leverage Terhadap Kinerja Keuangan Perusahaan.” Jurnal Administrasi Bisnis (JAB) 8, no. 1 (2014).
Martono, Nanang. Metode Penelitian Kuantitatif. Jakarta: Rajawali Pers, 2011.
Munawir, Slamet. Analisa Laporan Keuangan. Yogyakarta: Liberty Yogyakarta, 2010.
Muttaqin, Hafiz Maulana, Ahmad Mulyadi Kosim, and Abrista Devi. “Peranan Perbankan Syariah Dalam Mendorong Usaha Mikro Kecil Dan Menengah Dimasa Pandemi Covid-19.” El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 2, no. 1 (2021).
OJK. “Surat Edaran Otoritas Jasa Keuangan (SEOJK) Nomor 30/SEOJK.03/2019 Tentang Sistem Penilaian Tingkat Kesehatan Bank Pembiayaan Rakyat Syariah,” 2019.
Otoritas Jasa Keuangan. “SEOJK Nomor 30/SEOJK.03/2019 Tentang Sistem Penilaian Tingkat Kesehatan Bank Pembiayaan Rakyat Syariah.” Jakarta: OJK, 2019.
POJK No. 8/POJK.03/2014. “Tentang Penilaian Tingkat Kesehatan Bank Umum Syariah Dan Unit Usaha Syariah,” 2014.
Pratiwi, Angrum, Fitra Rizal, and Dedy Mainata. "Spin-Off Sharia Banking in Indonesia: Calculation Projection and Critical Study Regulation." Kodifikasia: Jurnal Penelitian Islam 15, no. 2 (2021).
Putra, Dwi Aditya. “Dampak Covid-19, Daya Beli Masyarakat Hilang Hingga Rp362 Triliun.” Merdeka.com, 2020.
Rashid, Abdul, and Sana Jabeen. "Analyzing Performance Determinants: Conventional versus Islamic Banks in Pakistan." Borsa Istanbul Review 16, no. 2 (2016): 92–107.
Rizal, Fitra. "Analysis of the Robustness of Islamic Commercial Banks in Indonesia during the Covid-19 Pandemic." Journal of Islamic Economics and Finance Studies 3, no. 1 (2022): 12–23.
———. “Faktor Penentu Profitabilitas Bank Umum Syariah Di Indonesia (Pasca Peralihan Tugas Pengawasan Perbankan Dari BI Ke OJK).” El Barka: Journal of Islamic Economic and Business 1, no. 1 (2018): 53–78. https://doi.org/10.21154/elbarka.v1i1.1441.
———. “Pengaruh Capital Adequacy Ratio, Non Performing Finance Dan Operational Efficiency Ratio Terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah.” Muslim Heritage 1, no. 1 (2016): 179–96. https://doi.org/10.21154/muslimheritage.v1i1.501.
Rizal, Fitra, and Muchtim Humaidi. “Analisis Tingkat Kesehatan Bank Syariah Di Indonesia 2015-2020.” Etihad: Journal of Islamic Banking and Finance 1, no. 1 (2021).
———. “Dampak Makroekonomi Terhadap Profitabilitas Perbankan Syariah Di Indonesia.” El-Barka: Journal of Islamic Economics and Business 2, no. 2 (2019): 300–328. https://doi.org/10.21154/elbarka.v2i2.1800.
Rizal, Fitra, and Azidni Rofiqo. "Determinants of Sharia Banking Profitability: Empirical Studies in Indonesia 2011-2020." El Barka: Journal of Islamic Economic and Business 3, no. 1 (2020): 137–61. https://doi.org/10.21154/elbarka.v3i1.2051.
Sari, Henny Rahma, and Clarashinta Canggih. “Perbandingan Tingkat Kesehatan Bank Pembiayaan Rakyat Syariah Di Pulau Jawa Pada Sebelum Dan Saat Masa Pandemi.” MALIA: Journal of Islamic Banking and Finance 5, no. 2 (2021): 133. https://doi.org/10.21043/malia.v5i2.12351.
Sartono, Agus. Manajemen Keuangan: Teori Dan Aplikasi. Yogyakarta: BPFE, 2012.
Sebayang, Rehia. “2023, BI Targetkan Industri Syariah Capai Market Share 20%.” CNBC Indonesia, 2018.
Sina, Peter Garlans. “Ekonomi Rumah Tangga Di Era Pandemi Covid-19.” Journal of Management- Small and Medium Enterprises 12, no. 2 (2020).
Sinungan, Muchdarsyah. Manajemen Dana Bank. Jakarta: PT Bumi Aksara, 2000.
Sitanggang, Laurensius Marshall Sautlan. “Peran Perbankan Penting Bagi Pertumbuhan Ekonomi.” keuangan.kontan.co.id, 2020.
Statistik Perbankan Syariah. “Statistik Perbankan Syariah Desember 2019-2021.” Jakarta: OJK, 2021.
Sugiyono. Metode Penelitian Kuantitatif Kualitatif Dan R & B. Bandung: Alfabeta, 2014.
Suparman, Nanang. “Dampak Pandemi Covid-19 Terhadap Pengelolaan Keuangan Negara.” Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara Dan Kebijakan Publik 6, no. 1 (2021).
Tahliani, Hani. “Tantangan Perbankan Syariah Dalam Menghadapi Pandemi Covid-19.” Madani Syari’ah: Jurnal Pemikiran Perbankan Syariah 3, no. 2 (2020).
UU RI. Undang-Undang Republik Indonesia No. 21 Tahun 2008 Tentang Perbankan Syariah (2008).
Victoria, Agatha Olivia. “OJK Catat Pangsa Pasar Perbankan Syariah Capai 7,03 Persen per Agustus.” antaranews.com, 2022.