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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Ziswaf : Jurnal Zakat dan Wakaf Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah SYIRKAH Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat EconBank : Journal Economics and Banking Tasharruf: Journal Economics and Business of Islam Ihsan: Jurnal Pengabdian Masyarakat MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ekonomika dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat IIJSE
Clarashinta Canggih
Universitas Negeri Surabaya
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences Other

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Journal : El Dinar

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ARE ISLAMIC BANKS STILL SOUND AMIDST PANDEMIC? Clarashinta Canggih; Fira Nurafini; Sri Abidah Suryaningsih; Khusnul Fikriyah; Rachma Indrarini; Fitriah Dwi Susilowati
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17256

Abstract

The paper aims to check whether Islamic banks in Indonesia remain sound amid the Covid-19 Pandemic by comparing the soundness levels of Islamic commercial banks before and during the Covid-19 Pandemic. This research used a quantitative approach with the non-parametric Wilcoxon Signed-Rank Test to compare bank soundness before and during the Covid-19 Pandemic. The bank's resilience was measured using the Risk-Based Bank Rating (RBBR), e.g., Non-Performing Finance (NPF), Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Net Operating Margin (NOM). The study exempted aspects of Good Corporate Governance since it is qualitative. The study used quarterly data in 2018-2019 (before the pandemic) and 2020-2021 (during the pandemic). The results showed a significant difference between CAR before and during the Covid-19 Pandemic. Meanwhile, NPF, FDR, ROA, and NOM showed no significant differences before and during the Covid-19 Pandemic. Based on the results, it can be concluded that the Covid-19 Pandemic generally does not affect the Islamic banks' soundness level, except for capital. It showed that the Islamic Bank proved to be resilient against crises. The study adds literature on the resilience of Islamic banks, particularly during the Covid-19 Pandemic, and validates the RBBR measurement to analyze the bank's soundness. In addition, the results of this study are also expected to be a consideration for policymakers to design the right policies for optimizing Islamic banks to thrive and support post-pandemic recovery.
Co-Authors Abil Yositya Indah Mauliza Ach. Yasin Ahmad Ajib Ridlwan Aldra Puspita Rahma Aulia Deva Ferdana Daffa Eka Septianda Devia Almeyda Dewi Sjam Eka Cahyaningtiyas Elda Firdayati Farah Dilla Wanda Damayanti Febrianti Nilam Sari Fira Nurafini Fira Nurafini Fitriah Dwi Susilowati Hapsari Dinar Afifa Hariawan Henny Rahma Sari Hilda Tri Pur Wulan Septy Ibnu Affan Khoiriyah Ilfita Khusnul Fikriyah Laela Nur Rachmawati LUCKY RACHMAWATI Maryam Bte Badrul Munir Maulidysneni Nurvita Sukma Moch. Khoirul Anwar Mochammad Imanda Ramadhani Muhammad Bayu Dwie Saputra Muhammad Dzanizar Miftahul Arifin Nopi Susanti Nurul Hamidah Nurul Hanifah Rachma Indrarini Rizkiyah Rokhmatul Laili Sari, Henny Rahma Sri Abidah Suryaningsih Tony Seno Aji Tri Elok Kosnia Wenni, Atika Novirda