Abstract
Covid-19 is a disease that spreads across continents across countries and even Indonesia. The Covid-19 pandemic has become a challenge for the business world, including banks such as Conventional BNI (BNIK) and Sharia BNI (BNIS). In its implementation, financial performance is an important measure of whether in the company there is an increase in the company's finances or vice versa. This study aims to compare the financial performance of profitability ratios, namely ROA, ROE, and BOPO Conventional BNI (BNIK) and Sharia BNI (BNIS) before and during covid-19. This research is included in quantitative research with comparative nature. The type of data used is secondary data obtained from the official website of the Financial Services Authority (OJK). The statistical tool used is SPSS Version 21 using the Mann-Whitney test. Research result Shows that before Covid-19 there were differences in the financial performance of the two banks, namely Conventional BNI (BNIK) and Sharia BNI (BNIS) and it appears that financial performance from the ROA, ROE, and BOPO aspects of Conventional BNI (BNIK) is still better than Sharia BNI (BNIS) before covid-19. Then during covid-19, there was no difference in the financial performance of the two banks, namely Conventional BNI (BNIK) and Sharia BNI (BNIS) and it was seen that the Covid-19 pandemic certainly had an impact on financial performance in terms of ROA, ROE, and BOPO aspects, both conventional and sharia bank.
Highlights
Covid-19 menjadi sebuah penyakit yang menjalar sampai batas lintas benua di seluruh Negara bahkan Indonesia
This study aims to compare the financial performance of profitability ratios, namely Return On Assets (ROA), Return On Equity (ROE), and Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Conventional BNI (BNIK) and Sharia BNI (BNIS) before and during covid-19
Sig.(2tailed) lebih besar dari 0,05 artinya Biaya Operasional Terhadap Pendapatan Operasional (BOPO) BNI Konvensional dan BNI Syariah selama covid-19 memberikan hasil tidak adanya perbedaan yang signifikan antara keduanya
Summary
Dari Tabel 3 dapat di lihat bahwa Biaya Operasional Terhadap Pendapatan Operasional (BOPO) BNI Konvensional sebelum terjadinya covid-19 periode September 2018 sebesar 70.30% kemudian pada Desember 2018 sebesar 70.50%. Pada selama pandemi covid-19 periode Desember 2019, Biaya Operasional Terhadap Pendapatan Operasional (BOPO) BNI Konvensional sebesar 73.16% kemudian terjadi BOPO BNI Konvensional pada periode Juni 2020 dan berada di angka 82.81%. Maret 2020 BOPO BNI Syari’ah mengalami penurunan dan berada di angka 76.53 %.Kemudian hingga akhir periode Desember 2020 BOPO BNI. Dalam penelitian lain oleh (Alamsyah and Meylida 2021) bahwa Ditinjau dari rasio keuangan, kinerja perbankan konvensional lebih baik jika dibandingkan dengan kinerja keuangan perbankan syari’ah. Hal tersebut sama dalam hasil temuan oleh (Trisela and Pristiana 2021) bahwa Kinerja keuangan bank konvensional lebih baik dari segi rasio NPL, ROA,BOPO dan CAR. Konvensional (BNIK) dan BNI Syari’ah (BNIS) selama covid-19
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