Analisis Kinerja Keuangan Bank Syariah dan Peran Kebijakan Ekonomi Islam pada Masa Pandemi Covid-19
DOI:
https://doi.org/10.30736/jesa.v6i2.136Keywords:
financial performance, Islamic banking, Islamic economic policy, covid-19 pandemicAbstract
Abstract: The covid-19 pandemic is an epidemic of dangerous diseases that have attacked the world, including Indonesia, resulting in death. Covid-19 has a significant impact on the development of the world economy. The current pandemic has resulted in all sectors of human life, without exception. The Islamic banking financial system is being affected by the pandemic. This research aims to analyze the financial performance of Islamic banks and the role of Islamic economic policies. This research uses quantitative analysis. This research type is based on using statistical procedures. The results show that the bank's financial performance is still healthy to face the risk of loss events during the Covid-19 pandemic. The average value of the ROA ratio is 0.88%, which means it is pretty healthy. While the average value of the ROE ratio is 5.35%, which means it is pretty healthy. Meanwhile, the average NPF ratio of 3.89% means healthy, and the average value of the BOPO ratio is 90.37%, which means it is very healthy. The solutions offered include distribution of exclusive cash donations based on zakat, infak, alms, and endowments, then through donations of superior venture capital for the business sector or Micro, Small, and Medium Enterprises, as well as through the development of Islamic financial technology.
References
Albanjari, Fatkhur Rohman dan Catur Kurniawan. “Implementasi Kebijakan Peraturan Otoritas Jasa Keuangan (POJK) No. 11/POJK. 03/2020 dalam Menekan Non Performing Financing (NPF) Pada Perbankan Syariahâ€, EKSYAR: Jurnal Ekonomi Syari’ah dan Bisnis Islam, Volume 7, Nomor 1 (2020).
Aryani, Yulya, dkk. “Faktor-Faktor yang Mempengaruhi Non Performing Financing Pada Bank Umum Syariah Indonesia Periode 2010-2014â€, Al-Muzara’ah, Volume 4, Nomor 1 (2016).
Asri, dkk. “Hukum dan Urgensi Wakaf Tunai dalam Tinjauan Fikihâ€, Bustanul Fuqaha: Jurnal Bidang Hukum Islam, Volume 1, Nomor 1 (2020).
Dangnga, Muhammad Taslim dan M Haeruddin. Kinerja Keuangan Perbankan: Upaya untuk Menciptakan Sistem Perbankan yang Sehat. Jakarta: CV. Nur Lina, 2018.
Fauzi, Ahmad. “Implementasi Pembatasan Sosial Berskala Besar, Sebuah Kebijakan Publik dalam Penanganan Pandemi COVID-19â€, Jurnal Ilmu Administrasi Negara, Volume 16, Nomor 1 (2020).
Hiyanti, Hida, dkk. “Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesiaâ€, Jurnal Ilmiah Ekonomi Islam, Volume 5, Nomor 3 (2020).
Hutagalung, M. “Persepsi Nasabah Terhadap Aplikasi Dana Qardhul Hasan di BPRS Puduarta Insani Tembungâ€, Skripsi--Universitas Islam Negeri Sumatera Utara, 2016.
Ikhwal, Nuzul. “Analisis ROA dan ROE Terhadap Profitabilitas Bank di Bursa Efek Indonesiaâ€, Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan, Volume 1, Nomor 2 (2016).
Iskandar, Azwar, dkk. “Peran Ekonomi dan Keuangan Sosial Islam Saat Pandemi Covid-19â€, Jurnal Sosial dan Budaya Syar’i, Volume 7, Nomor 7 (2020).
Jaya, I Made Laut Mertha. Metode Penelitian Kuantitatif dan Kualitatif: Teori, Penerapan, dan Riset Nyata. Jakarta: Anak Hebat Indonesia, 2020.
Kasdi, Abdurrohman. “Filantropi Islam untuk Pemberdayaan Ekonomi Umat (Model Pemberdayaan ZISWAF di BMT Se-Kabupaten Demak)â€, Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam, Volume 9, Nomor 2 (2016).
Mahdiyyah, Rana Husna dan Umi Mardiyati. “Pengaruh NPL, NIM, BOPO, LDR dan Profitabilitas Terhadap Capital Adequacy Ratio (CAR) Pada Bank Umum Swasta Nasional Devisa di Indonesia Periode 2014-2018â€, JRMSI-Jurnal Riset Manajemen Sains Indonesia, Volume 12, Nomor 1 (2021).
Mardani. Hukum Sistem Ekonomi Islam. Jakarta: PT. RajaGrafindo Persada, 2021.
Meryho, M Munadi, dkk. “Analisis Perbandingan Kinerja Keuangan Pada Bank Rakyat Indonesia (Persero) Tbk dan Bank Mandiri (Persero) Tbk Periode 2012-2015â€, Jurnal EMBA, Volume 5, Nomor 2 (2017).
Rafsanjani, Haqiqi. “Pengaruh Internal Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) dalam Peningkatan Profitabilitas Industri Bank Syariah di Indonesiaâ€, Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, Volume 1, Nomor 1 (2016).
Safar, Deri Zul. “Pengaruh Efisiensi Modal Kerja Working Capital Turnover dan Debt to Equity Terhadap Profitabilitas Return on Equity Pada Beberapa Perusahaan Manufaktur Industri Food and Bevereges yang Terdaftar di Bursa Efek Indonesia (BEI) Periode 2009-2013â€, Jurnal Akuntansi UMMI, Volume 1, Nomor 1 (2020).
Siregar, Erwin Saputra and Fitri Ana Siregar. “Menakar Potensi Bank Syariah di Indonesia Pada Masa Covid-19â€, Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman, Volume 8, Nomor 2 (2020).
Sugiyono. Metode Penelitian Kombinasi (Mixed Methods). Bandung: Alfabeta 2015.
Sultoni, Hasan dan Ahmad Basuki. “Bank Syariah di Dunia Internasionalâ€, EKSYAR: Jurnal Ekonomi Syari’ah dan Bisnis Islam, Volume 7, Nomor 2 (2020).
Sumadi, S. “Menakar Dampak Fenomena Pandemi Covid-19 Terhadap Perbankan Syariahâ€, Jurnal Hukum Ekonomi Syariah, Volume 3, Nomor 2 (2020).
Surya, Yoga Adi dan Binti Nur Asiyah, “Analisis Perbandingan Kinerja Keuangan Bank BNI Syariah dan Bank Syariah Mandiri di Masa Pandemi Covid-19â€, IQTISHADIA: Jurnal Ekonomi dan Perbankan Syariah, Volume 7, Nomor 2 (2020).
Wahyudi, Aji. “Implementasi Rencana Strategis Badan Pemberdayaan Masyarakat dan Desa dalam Upaya Pengembangan Badan Usaha Milik Desa di Kabupaten Kotawaringin Baratâ€, Jurnal Ilmiah Administrasi Publik, Volume 2, Nomor 2 (2016).
Downloads
Published
How to Cite
Issue
Section
License
Copyright Notice
Authors who publish with this journal agree to the following terms:
- Copyright on any article is retained by the author(s).
- The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
- The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
