Analysis of Differences in Credit Distribution, Non-performing Loans and Profits of Rural Banks (BPR) with the Issuance of the Financial Services Authority
DOI:
https://doi.org/10.31315/jubir.v1i1.8031Abstract
This study aims to determine differences in credit distribution, non-performing loans, and profits at Rural Banks Owned by Regional Governments in DIY before and during the Covid-19 Pandemic after the issuance of Number 11/POJK.03/2020. This research was conducted by quantitative comparative method. The samples taken in this study are data regarding the level of lending, non-performing loans (NPL), and net income from the publication reports of Perumda BPR Bank Jogja, PT BPR Bank Sleman (Perseroda), PT BPR Bank Bantul (Perseroda), PD BPR Bank Kulon Progo Market, and PT BPR Bank Daerah Gunungkidul in 2018, 2019, 2020 and 2021. Data testing was carried out using a paired sample T/T-test using the SPSS program, with a significance value of 5%. The results of this study include differences in credit distribution at Rural Banks Owned by Regional Governments in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020, then there is no significant differences in non-performing loans of Regional Government-Owned Rural Banks in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020, as well as significant differences in bank profits Local Government-Owned People's Credit in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020.
References
Agustina, Putri., and Said, Siti, N. 2021. Comparative analysis of the financial performance of Perumda BPR Bank Cirebon before and after the announcement of the Covid-19 pandemic. E-Qien Journal of economics and Business, Volume 8 (2), Pages 1-10.
Ambarsita, Luluk. 2013. Analysis of the handling of bad debts. Journal of Business Management Volume 3 (1), Pages 14-20.
Hariyani, Iswi. 2010. Restructuring And Elimination Of Bad Debts. Jakarta: PT. Gramedia.
Kustina, Ketut, T., Suryawan, I Gede, M, N., and Utari, I Gusti, A, D. 2022. Analysis of the impact of credit restructuring policy on the profit and liquidity of rural banks in Badung Regency. Wacana Economics Journal of Economics, Business and Accounting, Volume 21 (1), Pages 93-104.
Pearl, N.H. 2014. Bank factors in providing credit loans with guarantees of commodity goods. Journal of Private Law, Volume 1 (1), Pages 42-46.
Pangkey, Irene, D, S., and Dotulong, Lucky, O, H. 2022. Comparative analysis of the financial performance of PT. BPR Nusa Utara before and during the COVID-19 pandemic. EMBA Journal, Volume 10 (1), Pages 1947-1954.
Rosidi, Muhammad., and Zakiyya, Zaky. 2022. Comparative study on the financial performance of rural banks (BPR) in the period before and during the COVID-19 pandemic. Journal of Information Systems And Business Management Publications , Volume 1 (1), Pages 23-28. Retrieved May 25, 2022. http://ejurnal.stie-trianandra.ac.id/in dex.php/jupsim/article/view/235/197.
Seto, Agung, A., and Dian, S. 2021. The impact of the COVID-19 pandemic on the financial performance of the banking sector in Indonesia. E-Qien Journal of Economics and Business, Volume 8 (2). Pp 144–154. Retrieved May 23, 2022, https://stiemuttaqien.ac.id/ojs/ index.php/OJS/article/view/248/160.
Siagian, Sabarudin., Lidwan, Nanang., Sopyan., Ridwan, Wawan., Roni, Faizal. 2022. Analysis of credit, NPLs and ROA of national banks during the covid-19 pandemic. Familiar Journal of Champions, Volume 7 (2), Pages 231-246.
Sofyan, Muhammad. 2021. Performance of RURAL BANKS and RURAL BANKSduring the COVID-19 pandemic. Faculty of Administrative Sciences, STIAMI. Proceedings, Volume 2 (2), Pages 6-12.
Supeno, Wangsit., and Ida Hendarsih. 2020. Credit performance on BPR profitability during the Covid-19 pandemic. Familiar Journal of Champions, Volume 5 (4), Pages 147-161.
Tiwu, Maria, I, H. 2020. The impact of the Covid-19 pandemic on the NPLs of people's credit banks in Indonesia. Journal of Accounting: Transparency and Accountability, Volume 8 (2), Pages 79-87.
Widiyaningtias, Amndana., and Dura, Justitia. 2022. Comparative analysis of the financial performance of BPR and BPRS East Java before and during the COVID-19 pandemic. Owner Research & Journal of Accounting, Volume 6 (2), Pages 1486-1497.
Yasin, Ach., and Ladi, W.P.F. 2021. Comparative analysis of the financial performance of Rural Banks (BPR) before and during the Covid-19 pandemic. Journal of Equilibrium, Volume 9 (2), Pages 142-15.
Downloads
Published
Issue
Section
License
An objective of the Journal of Business Innovation and Research is to promote the wide dissemination of the results of systematic scholarly inquiries into the broad field of business research. Permission is hereby granted to reproduce any of the contents of the journal for use in courses of instruction, as long as the source and “Master in Management Program, Faculty of Economics and Business, UPN Veteran Yogyakarta (MM FEB UPNYK) copyright” are indicated in any such reproductions.
A written application must be made to the editor-in-chief for permission to reproduce any of the contents of the journal for use in anything other than a course of instruction - e. g., inclusion in books of readings or in any other publications intended for general distribution. In consideration for the grant of permission by the journal in such instances, the applicant must notify the author(s) in writing of the intended use to be made of each reproduction. Normally, the journal will not access a charge for the waiver of copyright.
Except where otherwise noted in articles, the copyright of articles in the journal has been transferred to the MM FEB UPNYK. Where the author(s) has (have) not transferred the copyright to the MM FEB UPNYK, the applicant must seek permission to reproduce (for all purposes) directly from the author(s).
