Comparative Analysis of the Financial Performance of Bank Perkreditan Rakyat (BPR) during the Covid-19 Pandemic (Quarter I-IV Years 2020-2021)
Abstract
At the beginning of 2020, Indonesia was rocked by a situation that threatened the country's economy, which is the emergence of the Covid-19 pandemic. The existence of banking companies is certainly affected by the Covid-19 pandemic, one of which is Bank Perkreditan Rakyat (BPR). For this reason, a research using quantitative comparative study method was carried out to determine the financial performance of BPR. The results showed that the NPL ratio continued to decline in 2021, although initially in 2020 the NPL was quite large. This situation is much better, although BPRs still have to try to lower their NPLs. The ROA and BOPO ratios show that conditions are not improving in 2021, even experiencing a decrease in capital gains and BPR performance efficiency so that there needs to be an increase in the following years. In the CAR ratio, there was an increase from 2020 which initially decreased, then in 2021 which increased significantly, although from the beginning of 2021 to the end of 2021 it decreased but remained in the healthy category. And lastly, the LDR ratio has fluctuated from the beginning of 2020 to the end of 2020, and again increased significantly in early 2021, although in the second to fourth quarters it continued to experience a significant decline but was still in the fairly healthy category. This shows the need for improvements in several parts and improvements in parts that are considered good for the survival and progress of Bank Perkreditan Rakyat (BPR).
Keywords: Financial Performance, Bank Perkreditan Rakyat (BPR), Covid-19
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