ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK BRI SEBELUM DAN PADA SAAT PANDEMI COVID-19

Widyasari, Putri Nova (2024) ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK BRI SEBELUM DAN PADA SAAT PANDEMI COVID-19. S1 thesis, Universitas Mercu Buana Jakarta - Menteng.

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Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan kinerja keuangan Bank BRI sebelum dan selama pandemi COVID-19. Bank BRI dipilih karena pentingnya perannya dalam perekonomian Indonesia dan dampak yang signifikan dari pandemi terhadap sektor keuangan. Metode penelitian yang digunakan adalah analisis deskriptif komparatif menggunakan data keuangan publik yang tersedia sebelum dan selama pandemi COVID-19. Variabel yang diamati meliputi rasio keuangan seperti ROA (Return on Assets), ROE (Return on Equity), LDR (Loan to Deposit Ratio), dan CAR (Capital Adequacy Ratio). Hasil penelitian menunjukkan perubahan yang signifikan dalam kinerja keuangan Bank BRI sebelum dan selama pandemi COVID-19. Meskipun terjadi penurunan pendapatan dan pertumbuhan yang lebih lambat selama pandemi, Bank BRI mampu mempertahankan stabilitas dan likuiditasnya dengan baik. Namun demikian, ada peningkatan risiko kredit yang perlu dipantau lebih lanjut. Penelitian ini memberikan pemahaman yang lebih baik tentang dampak pandemi COVID-19 terhadap kinerja keuangan Bank BRI dan menyediakan panduan bagi regulator dan manajemen bank dalam menghadapi tantangan yang dihadapi di masa mendatang. Diharapkan hasil penelitian ini dapat menjadi kontribusi bagi pengembangan strategi mitigasi risiko dan kebijakan yang lebih efektif dalam menghadapi kondisi ekonomi yang tidak pasti. This research aims to analyze the financial performance comparison of Bank BRI before and during the COVID-19 pandemic. Bank BRI was chosen due to its importance in the Indonesian economy and the significant impact of the pandemic on the financial sector. The research method used is comparative descriptive analysis using publicly available financial data before and during the COVID-19 pandemic. Observed variables include financial ratios such as ROA (Return on Assets), ROE (Return on Equity), LDR (Loan to Deposit Ratio), and CAR (Capital Adequacy Ratio). The results show significant changes in the financial performance of Bank BRI before and during the COVID-19 pandemic. Despite a decrease in income and slower growth during the pandemic, Bank BRI was able to maintain its stability and liquidity well. However, there is an increase in credit risk that needs further monitoring. This research provides a better understanding of the impact of the COVID-19 pandemic on the financial performance of Bank BRI and offers guidance for regulators and bank management in facing future challenges. It is hoped that the results of this research can contribute to the development of risk mitigation strategies and more effective policies in dealing with uncertain economic conditions.

Item Type: Thesis (S1)
NIM/NIDN Creators: 43118120069
Uncontrolled Keywords: Kinerja Keuangan, Return on Assets, Return on Equity, Loan to Deposit Ratio, Capital Adequacy Ratio, Bank BRI Financial Performance, Return on Assets, Return on Equity, Loan to Deposit Ratio, Capital Adequacy Ratio, Bank BRI
Subjects: 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: WIDYA AYU PUSPITA NINGRUM
Date Deposited: 12 Aug 2024 05:38
Last Modified: 12 Aug 2024 05:38
URI: http://repository.mercubuana.ac.id/id/eprint/90157

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