The performance of rural banks in Indonesia during the Covid-19 pandemic

Sri Mulyati, Nurfauziah, Arif Singapurwoko and Kartini Kartini
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Sri Mulyati: Universitas Islam Indonesia
Nurfauziah: Universitas Islam Indonesia
Arif Singapurwoko: Universitas Islam Indonesia
Kartini Kartini: Universitas Islam Indonesia

International Journal of Research in Business and Social Science (2147-4478), 2022, vol. 11, issue 6, 300-306

Abstract: Previous studies analyzing the relationship between the performance of rural banks and the COVID-19 pandemic are very limited in number. This study aims to find out how the impact of the COVID-19 pandemic on the performance of rural banks in Indonesia. This study uses panel regression data to examine the effect of the COVID-19 pandemic on the capital adequacy ratio (CAR) from the capital aspect, non-performing loan (NPL) from the asset quality aspect, return on assets (ROA) from the earning aspect, and cash ratio (CR) from the aspect of liquidity. Our findings explain that the COVID-19 pandemic has a positive effect on CAR and NPL, a negative effect on ROA, and no effect on CR. Key Words:COVID-19, Rural Bank, Financial Performance, Indonesia

Date: 2022
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