FINANCIAL DISTRESS BANK UMUM SYARIAH INDONESIA SEBELUM DAN SAAT PANDEMI COVID-19

Venny Adelia Nadianshafira, - (2023) FINANCIAL DISTRESS BANK UMUM SYARIAH INDONESIA SEBELUM DAN SAAT PANDEMI COVID-19. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

Penelitian ini ditujukan guna meneliti dampak dari pandemi covid-19 terhadap tingkat financial distress melalui pendekatan model prediksi Zmijewski dengan melihat apakah ada potensi serta perbedaan signifikan kemungkinan financial distress di sektor perbankan syariah pada saat pandemi belum melanda Indonesia dan saat berlangsungnya pandemi covid-19 di Indonesia. Hal ini dikarenakan selama pandemi, banyak tatanan kehidupan manusia yang berubah termasuk sektor perbankan syariah. Selain itu, penelitian ini juga bertujuan untuk menggambarkan tingkat kesehatan bank umum syariah di Indonesia dilihat dari indikator model prediksi Zmijewski. Metode penelitian pada penelitian ini adalah kuantitatif dengan desain penelitian deskriptif dan komparatif. Hasil penelitian ini menunjukkan bahwa 10 dari 11 bank yang diteliti mengalami financial distress pada tahun 2019 sedangkan pada tahun 2020 tercatat 2 bank yang terbebas dari financial distress. Hasil uji beda statistika menunjukkan bahwa tidak ada perbedaan yang signifikan antara tingkat financial distress menggunakan metode zmijewski baik sebelum maupun saat pandemi covid-19. Sedangkan jika dilihat dari tingkat kesehatan bank berdasarkan indikator model Zmijewski, rata-rata rasio profitabilitas yang diproksikan ROA sebesar 1,00% pada tahun 2019 dengan predikat cukup sehat, sedangkan pada tahun 2020 turun menjadi 0,74% dengan predikat cukup sehat. Sementara hasil rasio leverage yang diproksikan debt ratio dengan nilai rata-rata sebesar 84,31% dengan predikat sehat di tahun 2019 dan turun menjadi 83,64% dengan predikat sehat ditahun 2020. Pada rasio likuiditas yang diproksikan current ratio diperoleh rata-rata pada tahun 2019 sebesar 119,67% dengan predikat sangat sehat dan pada tahun 2020 diperoleh rata-rata sebesar 133,75% dengan predikat sangat sehat. This research is intended to examine the impact of the covid-19 pandemic on the level of financial distress through the Zmijewski prediction model approach by seeing whether there is potential and significant differences in the possibility of financial distress in the Islamic banking sector when the pandemic has not hit Indonesia and during the covid-19 pandemic in Indonesia. This is because during the pandemic, many orders of human life have changed, including the Islamic banking sector. In addition, this study also aims to describe the health level of Islamic commercial banks in Indonesia as seen from the Zmijewski prediction model indicators. The research method in this study is quantitative with descriptive and comparative research design. The results of this study indicate that 10 of the 11 banks studied experienced financial distress in 2019 while in 2020 there were 2 banks that were free from financial distress. The results of the statistical difference test show that there is no significant difference between the level of financial distress using the zmijewski method both before and during the covid-19 pandemic. Meanwhile, when viewed from the level of bank health based on the Zmijewski model indicators, the average profitability ratio proxied by ROA was 1.00% in 2019 with a fairly healthy predicate, while in 2020 it fell to 0.74% with a fairly healthy predicate. While the results of the leverage ratio proxied by the debt ratio with an average value of 84.31% with a healthy predicate in 2019 and decreased to 83.64% with a healthy predicate in 2020. In the liquidity ratio proxied by the current ratio, the average obtained in 2019 was 119.67% with a very healthy predicate and in 2020 an average of 133.75% was obtained with a very healthy predicate.

Item Type:	Thesis (S1)
Additional Information:	ID SINTA Dosen Pembimbing: Aas Nurasyiah: 5994697 Suci Apriliani Utami: 6006385
Uncontrolled Keywords:	Financial Distress, Profitabilitas, Leverage, Likuiditas, Pandemi COVID-19, Profitability, Leverage, Liquidity, COVID-19 Pandemic.
Subjects:	B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc H Social Sciences > HG Finance
Divisions:	Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User:	Venny Adelia Nadianshafira
Date Deposited:	02 Oct 2023 03:12
Last Modified:	02 Oct 2023 03:12
URI:	http://repository.upi.edu/id/eprint/108523

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