ANALYSIS OF CHANGES IN SHARIA FINANCING AND CONVENTIONAL CREDIT BY ECONOMIC ACTIVITY PER SECTORAL DISTRIBUTION OF COMMUNITY BEFORE AND TIME OF COVID-19, ON THE PERFORMANCE OF SHARIA BANK AND CONVENTIONAL BANK IN INDONESIA

Anwar Sanusi

Abstract


This study aims to analyze changes in sharia financing and conventional credit according to economic activity per sectoral distribution of society, on the performance of Islamic banks and conventional banks in Indonesia. Data collection techniques by means of documentation studies. The data used in this study is secondary data taken and processed from the Indonesian Banking Statistics Report of the Financial Services Authority, 2005 to 2020. State Owned Banks Operations. The research uses the Autoregressive Distributed Lag (ARDL) panel regression data analysis model and the Difference Test. The results of the panel research, leading indicators of profit for Islamic banks, in the agriculture, forestry, hunting and fishing sectors; manufacturing; electricity; construction; transportation; and conventional banks, in the manufacturing sector; construction; trades; restaurants and hotels; transportation, warehousing and communications; everything in the long run affects the profit The results of the Difference Test analysis, in Islamic Banks there are no significant differences in profit variables before and during Covid-19, Conventional Banks there are significant differences in profit variables before and during the Covid-19 pandemic

Keywords: Covid-19, Bank, Credit, Profit.


Full Text:

PDF

References


Afifudin. (2016). Syariah dalam Ilmu Sosial Prefetik. Malang: Empatdua Malang.

Agustianto. (2002). Percikan Pemikiran Ekonomi Islam. Forum Kajian Ekonomi dan Perbankan Islam (FKEBI) IAIN SU (p. 117). Bandung: IAIN SU.

Aishawarya, d. (2017). Faktor-faktor yang Mempengaruhi Kredit Pada Bank Umum Swasta Nasional (BUSN) Devisa. E-Journal Manajemen Unud.

Bidadari, d. (2020). Sektor Perbankan di Covid-19 . Pro Hukum.

Chapra, U. (2001). Masa Depan Ilmu Ekonomi Sebuah Tinjauan Islam. Depok: Gema Insani Press.

Disemadi. (2021). Stimulus Kredit Perbankan: Kebijakan Penanggulangan Risiko Kredit Akibat Coronavirus Disease 2019 (COVID-19) di Indonesia”. Jurnal Mageister Hukum Udayana.

Gassmann. (2014). Business Model Navigator. Jakarta: PT Elex Media Komputindo, Kompas Gramedia.

Karim. (2016). Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT Raja Grafindo Persada.

Otorisasi Jasa Keuangan. (2015). Potensi Pertumbuhan Ekonomi ditinjau dari Penyaluran Kredit Perbankan Kepada Sektor Prioritas. Departemen Pengembangan Pengawasan dan Manajemen Krisis Divisi Analisis Profil Industri, 1.

Otorisasi Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Nomor 18 /Pojk.03/2016 Tentang Penerapan Manajemen Risiko Bagi Bank Umum . Jakarta: OJK.

Paul, K. (2019). Profitability and Ekonomic Grouth. Working Paper Research.

Rofiatun. (2016). Pengaruh Indikator Pangsa Pasar dan Sektor Perbankan Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Ekonomi Islam Lariba.

Rusiadi. (2015). Metode Penelitian Manajemen, Akuntansi dan Ekonomi Pembangunan, Konsep, Kasus dan Aplikasi SPSS, Eviews, Amos dan Lisrel. Medan: USU Press.

Stephen. (2001). Panduan Bagi Manajer Menuju Globalisasi (A Manager's Guide To Globalization). Batam: Interaksara.

Sugiharto, T. (2021). Impact Of The Covid-19 Pandemic On The Financial Performance Of Sharia Commercial Banks: An Empirical Evidence From Indonesia. Jurnal Ekonomi dan Bisnis Islam, 1.

Sukirno, S. (2001). Pengantar Teori Makro Ekonomi. Jakarta: PT RajaGrafindo.

Undang-undang Nomor 10 Tahun 1998. (1998 ). Tentang Perubahan Atas Undang-undang Nomor 7 Tahun 1992 Tentang Perbankan. Jakarta: Republik Indonesia.

Wijayanti. (2020). Loan growth and bank profitibility of commercial banks in Indonesia. Akuntabel, 40.


Refbacks

  • There are currently no refbacks.


Online ISSN: 2722-7618