Kinerja Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) Bank Umum Konvensional Sebelum dan Selama Pandemi Covid-19

Valezka Emmanuela, Luky Patricia Widianingsih

Abstract


The purpose of this study was to determine the performance of conventional commercial banks before and during the Covid-19 pandemic based on the RGEC (Risk Profile, Good Corporate Governance (GCG), Earnings, dan Capital) method. The sampling technique used purposive sampling in order to obtain a total sample of 36 banks. The type of data used in this study includes secondary data with the scale used is the ratio scale and ordinal scale. Indicators in measuring financial performance consist of NPL (Non-Performing Loan), LDR (Loan Deposit Ratio), GCG, ROA (Return on Assets), NIM (Net Interest Margin), BOPO (Operating Expenses to Operating Income), and CAR (Capital Adequate Ratio). Data were analyzed using paired sample t test and Wilcoxon signed rank test. The results showed that the financial performance indicators that experienced a decline during the pandemic were LDR, GCG, ROA, and NIM. Financial performance indicators that have increased during the pandemic are NPL, BOPO, and CAR. The results of the hypothesis test show that there are significant differences in conventional commercial banks before and during the Covid-19 pandemic in LDR, GCG, ROA, and NIM. Meanwhile, NPL, BOPO, and CAR do not have a significant difference.


Keywords


Financial Performance, Risk Profile, Good Corporate Governance, Earnings, Capital

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References


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DOI: https://doi.org/10.17509/jpak.v10i2.43747

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