Analisa Dampak Kebijakan Pemerintah Terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Pada Era Pandemi Corona Virus Disease-19

Fatkhur Rohman Albanjari* -  Universitas Muhammadiyah Ponorogo, Indonesia
Rina Prihatin -  IAIN Tulungagung, Indonesia
Suprianto Suprianto -  Universitas Muhammadiyah Ponorogo, Indonesia

DOI : 10.24269/mjse.v1i1.3851

The purpose of this study is to analyze the impact of government policies on financial performance at Islamic Commercial Banks in Indonesia during the period January to September 2020. The sample used in this study is Islamic Commercial Banks that have been registered in Indonesia with a research population of a number of 5 Sharia Bank. The author uses descriptive quantitative research methods with the variable Financing Deposit Ratio (FDR), Non-Performing Financing (NPF) during the COVID-19 pandemic. The results showed that the financing deposit ratio in Islamic commercial banks in the first and second quarters had an average increase, meaning that financial health declined along with government policy from implementing PSBB to New Normal. Meanwhile, in the third quarter it has experienced a decrease of close to 75% so that it can be concluded that financial health is more stable. The results show that non-performing financing at Islamic commercial banks tends to be more stable, so it can be said that Islamic Commercial Banks in the COVID-19 pandemic era tend to be healthy.
  1. Andri, Soemitra. (2000). Bank dan Lembaga Keuangan Syariah. (Jakarta: Kencana Prenada Media Group.
  2. Amir, Machmud dan Rukmana. 2010. Bank Syariah Teori, Kebijakan dan Studi Empiris di Indonesia. Jakarta: Erlangga.
  3. Candrakusuma, M. (2018, October). Implementasi Setengah Hati Perbankan Syariah Di Indonesia. In Seminar Nasional dan Call for Paper III Fakultas Ekonomi (pp. 290-300).
  4. Candrakusuma, M. (2020). Teladan Rasulullah SAW Sebagai Dasar Implementasi Sumber Daya Insani. Journal of Islamic Banking, 1(2), 149-167.
  5. Candrakusuma, M. (2016). Pendekatan Kritis Implementasi Akad Wadi’ah pada Perbankan Syariah Indonesia. Falah: Jurnal Ekonomi Syariah, 1(2).
  6. Dendawijaya, Lukman. 2009. Manajemen Perbankan. Jakarta: Ghalia Indonesia.
  7. McAleer, M. (2020). Prevention is better than the cure: Risk management of COVID-19, Journal of Risk Financial Management, 13, (46).
  8. Muhammad. 2002. Manajemen Bank Syariah, Yogyakarta: UPP AMP YKPN.
  9. Muhyiddin, M. (2020). Covid-19, New Normal, dan Perencanaan Pembangunan di Indonesia. Jurnal Perencanaan Pembangunan: The Indonesian Journal of Development Planning, 4(2), 240-252.
  10. Mujiono, A. (2016). Penerapan Prinsip Kehati-hatian dalam Pembiayaan dan Kredit di BRI Unit Mlarak dan BMT Hasanah Ponorogo. Muslim Heritage, 1(1), 137-164.
  11. Ridwansyah, R., & Saputro, A. D. (2018). Review Capital Structure and Good Corporate Governance Toward Islamic Banking Performance In Indonesia. Al-Urban: Jurnal Ekonomi Syariah Dan Filantropi Islam, 2(1), 61-80.
  12. Sarmada, Z. M., & Candrakusuma, M. (2021). SINERGI AMIL ZAKAT INDONESIA: KONTEKSTUALISASI KONSEP AMIL ZAKAT BERDASAR PERUNDANG-UNDANGAN. Al-Mabsut: Jurnal Studi Islam dan Sosial, 15(1), 75-91.
  13. Saputro, A. D., Rois, A. K., & Al Bazi, U. (2019). Heart Half Implementation Sharia Banking In Indonesia. Ikonomika, 3(2), 127-138.
  14. Shintia, N., & Abbas, S. (2019). Penetapan Upah Minimum Di Provinsi Aceh. Jurnal Justisia: Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial, 3(1), 164-182..
  15. Sugiyono. “Metode Penelitian Kuantitatif Kualitatif dan R&D”, Alfabeta, Bandung, 2007.
  16. Surat Edaran Bank Indonesia No.6/23/DPNP Sistem Penilaian Tingkat Kesehatan Bank Umum
  17. Wilardjo, S. B. (2005). Pengertian, Peranan Dan Perkembangan Bank Syari’ah Di Indonesia. Value Added| Majalah Ekonomi Dan Bisnis, 2(1).
  18. https://www.tribunnews.com/corona/2020/05/26/new-normal-adalah-ini-aturan-cegah-COVID-19-bagi-pekerja-saat-berangkat-hingga-kembali-ke-rumah diakses pada tanggal 7 Desember 2020, pukul 14.10 WIB.
  19. www.bi.go.id
  20. www.bcasyariah.co.id
  21. www.brisyariah.co.id
  22. www.mandirisyariah.co.id
  23. www.bnisyariah.co.id
  24. www.syariahbukopin.co.id

Full Text:
Article Info
Submitted: 2021-05-21
Published: 2021-04-21
Section: Articles
Article Statistics: