Banking Financial Performance Before and During the Covid 19 Pandemic in Indonesia

Analysis of Comparison Between Islamic and Conventional Banking

Authors

DOI:

https://doi.org/10.31686/ijier.vol9.iss11.3506

Keywords:

Financial Performance, Covid-19, Pandemic

Abstract

Banking is one of the financial institutions that is very influential on the economic conditions of a country. The level of banking liquidity is a reflection of the condition of the national economy. This study examines the differences in the financial performance of conventional banking and Islamic financial performance before and during the COVID-19 pandemic in Indonesia. The variables used to measure banking financial performance are risk profile, earnings, and capital.The data used are financial reports published by Otoritas Jasa Keuangan (OJK). The analysis used is the Multivariate Analysis of Variance (MANOVA). The results of the analysis found that there was no difference in the financial performance of Islamic banking on risk profile, earning, and capital indicators before and during the COVID-19 pandemic; there is no difference in the conventional financial performance of earning indicators before and during the Covid 19 pandemic; and there is no difference in the financial performance of conventional banking earning indicators during covid 19 and Islamic banking financial performance indicators of earning before covid 19. This analysis shows that the performance of Islamic finance is still able to deal with the impact of the COVID 19 pandemic in Indonesia.

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Author Biography

Muhammad Riyadhi Saputra, Lampung University

Faculty Of Ecomonomics and Bussiness

References

Banking is one of the financial institutions that is very influential on the economic conditions of

a country. The level of banking liquidity is a reflection of the condition of the national economy.

This study examines the differences in the financial performance of conventional banking and

Islamic financial performance before and during the COVID-19 pandemic in Indonesia. The

variables used to measure banking financial performance are risk profile, earnings, and capital.

The data used are financial reports published by Otoritas Jasa Keuangan (OJK). The analysis

used is the Multivariate Analysis of Variance (MANOVA). The results of the analysis found that

there was no difference in the financial performance of Islamic banking on risk profile, earning,

and capital indicators before and during the COVID-19 pandemic; there is no difference in the

conventional financial performance of earning indicators before and during the Covid 19

pandemic; and there is no difference in the financial performance of conventional banking

earning indicators during covid 19 and Islamic banking financial performance indicators of

earning before covid 19. This analysis shows that the performance of Islamic finance is still able

to deal with the impact of the COVID 19 pandemic in Indonesia.

Keyword: Financial Performance, COVID 19 Pandemic

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Published

01-11-2021

How to Cite

Saputra, M. R. (2021). Banking Financial Performance Before and During the Covid 19 Pandemic in Indonesia: Analysis of Comparison Between Islamic and Conventional Banking. International Journal for Innovation Education and Research, 9(11), 352–356. https://doi.org/10.31686/ijier.vol9.iss11.3506