ANALISA KINERJA KEUANGAN BANK UMUM SYARIAH SEBELUM DAN SAAT PANDEMI COVID-19 DI INDONESIA

Abstract

Islamic Commercial Banks (ICBs) financial performance before and during Covid-19 pandemic in Indonesia by financial ratio approach are analyzed with ROA, NOM, REO, NPF, FDR and CAR as a part of quantitative method since May 2018 until December 2021. Data source is based on Sharia Banking Statistic from Financial Service Authority or OJK from 12 ICBs. The research result found that during COVID-19 pandemic, ICBs financial ratios higher in ROA, Lower in NOM, Lower in REO, Lower in NPF, Lower in FDR and Higher in CAR compared before pandemic. The Pandemic COVID-19 creates Indonesia’s ICBs to keep ICBs financial performance in good condition.