Analisis Kinerja Bank di Masa Pandemi Covid-19: Studi Kasus pada PT Bank Jago Tbk dan PT Bank Rakyat Indonesia (Persero) Tbk

Panolui, Martin (2022) Analisis Kinerja Bank di Masa Pandemi Covid-19: Studi Kasus pada PT Bank Jago Tbk dan PT Bank Rakyat Indonesia (Persero) Tbk. KTTA thesis, Politeknik Keuangan Negara STAN.

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Abstract

Abstrak Kinerja keuangan perbankan merupakan suatu kemampuan keuangan perbankan dalam memenuhi seluruh kewajiban nya serta dalam menghasilkan atau memperoleh keuntungan. Metode untuk memperhitungkan kinerja keuangan tersebut adalah dengan menggunakan analisis rasio keuangan, rasio keuangan yang digunakan antara lain rasio likuiditas, rasio rentabilitas, dan rasio solvabilitas. Lalu untuk mengetahui tingkat kesehatan perbankan tersebut, nilai hasil perhitungan rasio keuangan tadi akan dibandingkan dengan nilai standar tingkat kesehatan bank yang dikeluarkan oleh Bank Indonesia (BI). Analisis ini berfokus dalam menghitung rasio keuangan pada PT Bank Jago Tbk, serta PT Bank Rakyat Indonesia (Persero) Tbk Pada masa Pandemi Covid-19 yang dilakukan dengan melihat laporan keuangan perusahaan dari tahun 2018 hingga 2021. Analisis ini menunjukkan bahwa Pandemi Covid-19 cukup berdampak pada beberapa rasio keuangan Bank Jago dan BRI serta pada industri perbankan di Indonesia terutama pada periode tahun 2020. Namun pada tahun berikutnya Bank Jago dan BRI mampu bangkit dari Pandemi Covid-19 hingga berada diatas ratarata industri perbankan Indonesia meskipun masih di dalam masa Pandemi. / Banking financial performance is a bank's financial ability to fulfilling all its obligations and in generating or obtaining profits. The method for calculating the financial performance is by using financial ratio analysis, the financial ratios used include liquidity ratios, profitability ratios, and solvency ratios. Then to find out the soundness of the bank, the value of the calculation of the financial ratios will be compared with the standard value of the bank's soundness level issued by Bank Indonesia (BI). This analysis focuses on calculating financial ratios at PT Bank Jago Tbk, as well as PT Bank Rakyat Indonesia (Persero) Tbk during the Covid-19 Pandemic, which is carried out by looking at the company's financial statements from 2018 to 2021. This analysis shows that the Covid-19 pandemic is quite had an impact on several financial ratios of Bank Jago and BRI as well as on the banking industry in Indonesia, especially in the period 2020. However, in the following year Bank Jago and BRI were able to rise from the Covid-19 pandemic to be above the average of the Indonesian banking industry even though they were still in the pandemic period.

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