Bank Performance Before And During Crisis Due To Covid-19

Yuga Casandri, Rosyadi Rosyadi, Jumhur Jumhur

Abstract


We examine the differences in banking performance of CAMEL ratio of government-owned conventional banks in Indonesia, before and during the crisis due to Covid-19 (Q1-Q3 2019 and Q1-Q3 2020). Then we examine the determinants of bank performance itself during those period. Using paired sample t-test, we found that there was no significant difference of CAMEL ratio, before and during crisis. Using panel regression, partially, we found only OEOI, Interest Rates and Economic Crisis have significant effect on bank performance that reflected by ROA & ROE. Simultaneously, all independent variables have significant effect on banking performance that reflected by ROA and ROE.

Keywords


Bank Performance; CAMEL; and COVID-19

Full Text:

PDF

References


Adelopo, I., Lloydking, R., & Tauringana, V. (2018). Determinants of bank profitability before, during, and after the financial crisis. International Journal of Managerial Finance, 378-398.

Ahmad, G. (2014). Determinan Profitabilitas Bank: Studi Kasus Pada Bank Pembangunan Daerah. Jurnal Keuangan dan Perbankan, 19 (3), 178.

Ahmad, R., & Matemilola, B. (2014). Determinants of bank profits and net interest margins. The Empirical Economics Letters 13 (6), 617-623.

Anbar, A., & Alper, D. (2011). Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey. Business and Economics Research Journal, Vol. 2, No. 2, 139-152.

BPS. (2020). PDB Indonesia Triwulanan 2015-2019. Jakarta: BPS.

Creswell, J. W. (2009). Research Design (Pendekatan Kualitatif, Kuantitatif dan Mixed). Yogyakarta: Pustaka Pelajar.

Dietrich, A., & Wanzenreid, G. (2011). Determinants of bank profitability before and during the crisis: Evidence from Switzerland. Journal of International Financial Markets, Institutions and Money, 21 (3), 307-327.

Hermina, R., & Suprianto, E. (2014). Analisis Pengaruh CAR, NPL, LDR, DAN BOPO Terhadap Profitabilitas (ROE) Pada Bank Umum Syariah (Studi Kasus Pada Bank Umum Syariah di BEI 2008 – 2012). Jurnal Akuntansi Indonesia, Vol 3. No. 2, 129-142.

Inrawan, A., Silitonga, H. P., & Sudirman, A. (2020). Analisa Faktor Eksternal yang Mempengaruhi Tingkat Return on Equity. Jurnal Ekonomi dan Ekonomi Syariah (JESYA) 3.2, 144-154.

Kasmir, D. (2014). Dasar-Dasar Perbankan Edisi Revisi 2014. Depok: Rajawali Pers.

Khoirunnisa, H. M., Rodhiyah, R., & Saryadi, S. (2016). Pengaruh Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR) dan BOPO Terhadap Profitabilitas (ROA Dan ROE) Bank Persero Indonesia yang Dipublikasikan Bank Indonesia Periode 2010 – 2015. Jurnal Ilmu Administrasi Bisnis vol. 5, no. 4, 264-271.

Masood, O., & Ashraf, M. (2012). Bank‐specific and macroeconomic profitability determinants of Islamic banks: The case of different countries. Qualitative Research in Financial Markets Vol. 4 No. 2/3, 255-268.

Mehta, A. (2012). Financial Performance of UAE Banking Sector: A Comparison of before and during crisis ratios. International Journal of Trade, Economics and Finance, 3 (5), 381.

Mishkin, F. S. (2017). Ekonomi Uang, Perbankan, dan Pasar Keuangan Edisi 8. Jakarta: Penerbit Salemba Empat.

Nkusu, M. (2011). Nonperforming Loans and Macrofinancial Vulnerabilities in Advanced Economies. IMF Woking Papers, 1-27.

Winarso, B. (2008). Perbandingan Kinerja Keuangan Bank Syariah Sebelum dan Pada Masa Kirisis Ekonomi: Pendekatan Model CAMEL. Logos, 6 (1), 20-36.

Yanuardi, A., Hadiwidjojo, D., & Sumiati. (2014). Faktor Determinan Atas Profitabilitas Perbankan Yang Listing di Bursa Efek Indonesia. Jurnal Akuntansi Multiparadigma, 5(2), 202-2018

.




DOI: http://dx.doi.org/10.35448/jequ.v12i1.16294

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Jurnal Ekonomi-Qu

 

Jurnal Ekonomi-Qu is licensed under a Creative Commons Attribution 4.0 International License

Contact Person:
Sugeng Setyadi
Department of Economics
Faculty of Economics dan Business
Universitas Sultan Ageng Tirtayasa
Address: Jl. Raya Palka Km 3 Sindangsari, Pabuaran, Kab. Serang, Banten 42163
Cell Phone: +6282122028968
Phone: +62254 280330 ext 125
E-mail: jequ@untirta.ac.id
E-mail (personal): gengsetya@gmail.com