FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN PERBANKAN PADA MASA PANDEMI
Keywords:
Financial Ratio, Bank, Qualitative
Abstract
This research is very important to do because it wants to see the financial condition of our banks on the Indonesia Stock Exchange, and the impact that occurs when the crisis and pandemic phenomena occur. The purpose of this research is to find out the impact and financial conditions that are happening when the pandemic and crisis occur, as well as to find out what methods and policies are appropriate to save banking from crises and pandemics. This research uses descriptive analysis method. From the results of the study, it can be concluded that the financial ratio that has the most influence on the financial performance of IDX banks is the Capital Adequacy Ratio (CAR), which is a capital ratio that shows the bank's ability to provide funds for business development purposes and accommodate the risk of loss of funds caused by tire operations. The Ner Interest Margin (NIM) ratio shows the ratio of bank interest income (loan interest income minus deposit interest costs) to outstanding loans, this ratio shows the bank's ability to obtain operating income, and Third Party Funds Ratio (TPF) If the amount of TPF increases, the funds There will be more and more that can be processed by the Bank so that it can get a lot of profit, high interest income is used by the Bank to increase lending so that the profits obtained are high.References
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Dokman Marulitua Situmorang. (2019). The Effect Of Taxpayer Awarenes And Fiskus Service On Performance Of Tax Revenue With Taxpayer Compliance As Intervening Variables (Case Study Of Individual Taxpayers Registered At The Medan City Kpp Pratama). Management And Sustainable Development Journal, 1(1), 26–37.
Fivtina Marbelanty, A. (2019). Analisis Perbandingan Kinerja Keuangan Antara Perbankan Konvensional Dengan Perbankan Syariah Di Indonesia. Journal Of Accounting, 3(No. 1), 1–10.
Munir, A. S. (2016). Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Keuangan Perbankan Di Indonesia. Jurnal Masharif Al-Syariah, 1(2), 56–68.
Nagarajan, G., Ali, A. A., & Sathyanarayana, N. (2013). International Journal Of Management Research And Review International Logistics And Its Activities. International Journal Of Management Research And Review, 3(58), 2897–2903. Www.Ijmrr.Com
Nopiani, K. D., Sulindawati, L. G. E., & Sujana, E. (2010). Pengaruh Mekanisme Corporate Governance Terhadap Kinerja Keuangan Bank Perkreditan Rakyat. Jurnal Akuntansi Dan Keuangan Indonesia, 7(2), 187–204. Https://Doi.Org/10.21002/Jaki.2010.11
Omar Faruk, M., & Alam, R. (2014). A Comparative Financial Performance Analysis Of Bangladeshi Private Commercial Banks. International Journal Of Information, Business & Management, 6(1), 129. http://Ezproxy.Sunderland.Ac.Uk:2048/Login?Url=Http://Search.Ebscohost.Com/Login.Aspx?Direct=True&Db=Edb&An=91515731&Site=Eds-Live&Scope=Site
Purwaningsih, A. (2008). Pemilihan Rasio Keuangan Terbaik Untuk Memprediksi Peringkat Obligasi: Studi Pada Perusahaan Manufaktur Yang Terdaftar Di Bej. Kinerja: Jurnal Bisnis Dan Ekonomi, 12(1), 85–99. http://Ojs.Uajy.Ac.Id/Index.Php/Kinerja/Article/View/1392
Ramadaniar, B., Topowijono, & Husaini, A. (2013). Analisis Rasio Keuangan Perbankan Untuk Menilai Kinerja Keuangan Bank (Studi Pada PT. Bank Mandiri (Persero), Tbk. Yang Listing Di Bei Untuk Periode Tahun 2009- 2011). Jurnal Administrasi Bisnis, 1(1), 49–58.
Riftiasari, D., & Sugiarti. (2020). Analisis Kinerja Keuangan Bank Bca Konvesional Dan Bank Bca Syariah Akibat Dampak Pandemi Covid-19. Jurnal Manajemen Bisnis, 33(2), 78–86.
S, D. (2020). A Study On Financial Performance Of Indian Commercial Banks. International Journal Of Scientific And Research Publications (Ijsrp), 10(2), P9849. https://Doi.Org/10.29322/Ijsrp.10.02.2020.P9849
Surya, Y. A., & Asiyah, B. N. (2020). Analisis Perbandingan Kinerja Keuangan Bank Bni Syariah Dan Bank Syariah Mandiri Di Masa Pandemi Covid-19. Jurnal Ekonomi Dan Perbankan Syariah, 7(2), 170–187. https://Doi.Org/10.1905/Iqtishadia.V7i2.3672
Published
2022-09-30
Section
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