PENGARUH KECUKUPAN MODAL, RISIKO DAN EFISIENSI TERHADAP KINERJA KEUANGAN BANK SEBELUM DAN MASA PANDEMI COVID-19
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Abstract
This study aims to examine the effect of covid 19 on financial performance and the factors that are thought to influence it, namely capital adequacy, risk and efficiency. The study was conducted on banking companies listed on the Indonesia Stock Exchange (IDX) in the period 2019 and 2020. The sample was determined using the purposive method. sampling, in order to obtain a total sample of 21 banking companies. The method used is to perform a mean difference test and multiple regression analysis with the fixed effect model (FEM). The results of this study show that the average ROA, CAR, NPL, LDR and BOPO before covid with during covid are significantly different, the results of multiple regression show that LDR has a positive effect on ROA and BOPO has a negative effect on ROA while CAR and NPL have no effect on ROA.
Penelitian ini bertujuan untuk menguji pengaruh covid 19 atas kinerja keuangan serta faktor yang diduga mempengaruhinya yakni kecukupan modal, risiko dan efisiensi.Penelitian dilakukan pada perusahaan perbankan yang terdafrat di Bursa Efek Indonesia (BEI) pada periode 2019 dan 2020. Sampel ditentukan dengan menggunakan metode purposive sampling, sehingga diperoleh jumlah sampel sebanyak 21 perusahaan perbankan. Metode yang digunakan adalah dengan melakukan uji beda rata-rata dan analisis regresi berganda dengan fixed effect model (FEM). Hasil penelitian ini menunjukkan rata-rata ROA, CAR, NPL, LDR dan BOPO sebelum covid dengan selama covid adalah berbeda signikan, Hasil regresi berganda memperlihatkan bahwa LDR berpengaruh positf terhadap ROA dan BOPO berpengaruh negatif terhadap ROA sedangkan CAR, dan NPL tidak berpengaruh terhadap ROA
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