The Impact of Covid-19 on the Financial Performance of Conventional Banking in Indonesia
DOI:
https://doi.org/10.33062/ajb.v8i02.40Keywords:
Banking Financial Performance, Credit Risk., Liquidity , Profitability , Third-party FundsAbstract
In early 2020, Covid-19 was declared a pandemic by the World Health Organisation (WHO). Covid-19 has had an impact on various sectors including the banking sector, as has happened to conventional banks in Indonesia, there has been an increase in non-performing loans, a decrease in profitability, but also an increase in third-partyfunds and adequate liquidity. The purpose of this study is to determine whether there are differences in the financial performance of conventional banks using variables (DPK), Credit Risk (NPL), Liquidity (LDR) and Profitability (ROA). This research is a comparative quantitative study and uses secondary data, the population in this study were 46 conventional banks listed on the IDX in 2018 - 2021, sample selection using purposive sampling method. Data testing uses a normality test with the Shapiro Wilk method. The data analysis method uses descriptive statistical analysis and for hypothesis testing using the Wilcoxon Signed Rank Test. In this research, the results show that there is a significant difference between DPK, LDR and ROA before and during the Covid-19 pandemic, but there is no difference in NPL before and during the Covid-19 pandemic.
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