Faizal Rizky Yuttama, Slamet Slamet


The country's unstable economic condition due to the COVID-19 pandemic has a major impact on economic growth. The condition of the company is experiencing liquidity pressure which can result in default. This study is a quantitative study to determine the effect of financial performance in banking companies. This study uses a sample of commercial banks listed on the Indonesia Stock Exchange (IDX) before the COVID-19 pandemic occurred in the 2019 quarter period and the COVID-19 pandemic period in the 2020 quarter. The sampling technique used purposive sampling with certain criteria. The analysis technique using regression analysis was carried out with the classical assumption test. Based on the results of the analysis found that TPF has a positive and significant effect on Return on Assets (ROA), NPL has a negative and significant effect on Return on Assets (ROA), LDR has a positive effect on Return on Assets (ROA), CAR has a positive effect on Return on Assets ( ROA), and NIM have a positive and significant effect on Return on Assets (ROA). The contribution of this research is to determine the impact of the COVID-19 pandemic on the banking industry, which serves as an intermediary function between recipients and distributors of funds

Keyword : CAR, DPK, NIM, NPL, Covid-19 Pandemic, ROA

Full Text:



Ahokpossi, C. (2013). Determinants of bank interest rate margins in sub-saharan African. IMF working paper No. WP/13/34. International Monetary fund, wahington, DC.

Alexiou, C., Sofoklis, V., (2009). Determinants of bank profitability: Evidence from the Greek banking sector. In : Ekonomski anali 54 (182), 93-118.

Athanasoglou, P.P, Brissimis, S.N., Delis, M.D., (2005). Bank-Specific, Industry-Specific and Macroeconomic Determinants of Bank Profitability, Bank of Greece. Working Paper No. 25.

Athanasoglou, P., Brissimis, S., dan Delis, M. (2008). Bank-Specific, Industry specific, and Macroeconomic Determinants of Bank Profitability. Journal of International Financial Markets, Institutions and Money, 18, 121-36.

Brigham dan Houston. (2010). Dasar-dasar manajemen keuangan buku I (Edisi 11). Salemba empat. Jakarta.

Ghosh, S. (2016). Political transition and bank performance; how important was the Arab Spring?. Journal of Comparative Economic. Vol. 44 No. 2, pp. 372-382.

Ghozali, Imam. (2011). Aplikasi Analisis Multivariat dengan Program SPSS. Badan Penerbit Universitas Diponegoro. Semarang

Gitman, L.J. dan Zutter, C.J. (2012). Principles of managerial finance (13th edition). Boston : Pearson Education, Inc.

Kasmir. (2008). Analisis Laporan Keuangan. Jakarta : PT. Raja Grafindo Perkasa.

Lee, C. V., Antwi, S, & Boadi, E K. (2013). The Relationship between Liquidity and Profitability of Listed Banks in Ghana. International Journal of Business and Social Science, 4(3), 48-56.

Menicucci, E, dan Paolucci,G. (2016). The Determinant of Bank Profitability : Empirical Evidence from European Banking Sector. Journal of Financial Reporting and Accounting. 14(1), 86-115.

Riaz, Samina. (2013). Profitability Determinants of Commercial Banks in Pakistan, Procedings of 6th International Business and Social Sciences Research Conference, pp. 1-14.

Suliyanto, 2011. Ekonometrika Terapan : Teori dan Aplikasi dengan SPSS. Edisi 1. Yogyakarta : ANDI Yogyakarta.

Wahyudi, Rofiul. 2020. Analisis pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19. Journal of Walisongo, 12(1).13-24.



DOI: https://doi.org/10.35308/ekombis.v8i1.5382


  • There are currently no refbacks.

Copyright (c) 2022 JURNAL EKOMBIS

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.