ANALISIS KOMPARASI KINERJA KEUANGAN DAN PEMBIAYAAN UMKM SYARIAH SEBELUM DAN SESUDAH PENERAPAN KEBIJAKAN RESTRUKTURISASI PEMBIAYAAN PADA MASA COVID-19 (STUDI KASUS PADA BANK UMUM SYARIAH DI INDONESIA)

Safira, Zahra (2024) ANALISIS KOMPARASI KINERJA KEUANGAN DAN PEMBIAYAAN UMKM SYARIAH SEBELUM DAN SESUDAH PENERAPAN KEBIJAKAN RESTRUKTURISASI PEMBIAYAAN PADA MASA COVID-19 (STUDI KASUS PADA BANK UMUM SYARIAH DI INDONESIA). S1 thesis, Universitas Sultan Ageng Tirtayasa.

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Abstract

The purpose of this study was to determine the differences in Financial and Islamic MSME Financing at Islamic Commercial Banks in Indonesia before and after the implementation of the financing restructuring policy during the Covid-19 period. In this study, the method used is a comparative method with a quantitative approach. The sample used is a saturated sample, where all populations are used as samples, namely Islamic Commercial Bank financial performance data which includes Return on Assets (ROA), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO). as well as Islamic MSME Financing at Islamic commercial banks in Indonesia before and after the implementation of the financing restructuring policy during the Covid-19 period, and Islamic MSME Financing at Islamic commercial banks in Indonesia registered with the Financial Services Authority (OJK) for the period March 2017-March 2023 which is calculated using the Paired sample t-test if the data is normally distributed and the Wilcoxon signed rank test if the data is not normally distributed using IBM SPSS 25 software. The results showed that there were significant differences in financial performance as seen in the ratios of ROA, NPF, CAR, FDR, and BOPO as well as Islamic MSME financing before and after the implementation of the financing restructuring policy during the Covid-19 period.

Item Type:

Thesis (S1)

Contributors:

Contribution	Contributors	NIP/NIM
Thesis advisor	Badina, Tenny	198002182003122001
Thesis advisor	Pardiansyah, Elif	199108122020121007

Additional Information:

Tujuan dari penelitian ini adalah untuk mengetahui perbedaan Kinerja Keuangan dan Pembiayaan UMKM Syariah pada Bank Umum Syariah di Indonesia sebelum dan sesudah penerapan kebijakan restrukturisasi pembiayaan pada masa Covid-19. Dalam penelitian ini metode yang digunakan adalah metode komparatif dengan pendekatan kuantitatif. Sampel yang digunakan adalah sampel jenuh, dimana semua populasi digunakan sebagai sampel, yaitu data kinerja keuangan Bank Umum Syariah yang meliputi Return on Assets (ROA), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), dan Beban Operasional terhadap Pendapatan Operasional (BOPO), serta Pembiayaan UMKM Syariah pada bank umum syariah di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) periode Maret 2017- Maret 2023 yang dihitung menggunakan Uji Paired sample t-test jika data berdistribusi normal dan Uji Wilcoxon signed rank test jika data berdistribusi tidak normal yang dilakukan menggunakan software IBM SPSS 25. Hasil penelitian menunjukkan bahwa terdapat perbedaan yang signifikan pada kinerja keuangan yang dilihat pada rasio ROA, NPF, CAR, FDR, dan BOPO serta Pembiayaan UMKM Syariah sebelum dan sesudah penerapan kebijakan restrukturisasi pembiayaan pada masa Covid-19.

Subjects:

H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance

Divisions:

05-Fakultas Ekonomi dan Bisnis
05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah

Depositing User:

Zahra Safira

Date Deposited:

19 Aug 2024 15:39

Last Modified:

19 Aug 2024 15:39

URI:

http://eprints.untirta.ac.id/id/eprint/41058

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