Main Article Content

Abstract

Capital is a very important function in overcoming risks that may occur in the Banking Industry. A bank is said to be healthy if a bank has sufficient capital despite possible risks. To see that a bank is healthy, capital indicators are also the most important measurement, namely through the capital adequacy ratio or Capital Asset Ratio (CAR). Things that can affect the size of the capital adequacy ratio can occur due to internal and external factors. Internal factors originating from the banking industry itself, such as profitability, asset quality, company size and liquidity. Meanwhile, external factors come from outside the company such as the macroeconomic condition of a country. The Covid-19 pandemic is one of the impacts that causes the economic condition of a country to weaken which impacts on investment. So this study aims to see how much the ability of Islamic banks in the midst of the Covid-19 Pandemic which began to occur in Indonesia from February 2020 to the end of 2020. And the factors that influence the capital adequacy ratio's size. The findings of this research show that during the Covid-19 pandemic, Islamic banking was able to show its performance as an ever-growing Islamic financial institution seen from the data on the development of assets and growth in deposits. Islamic banking CAR for the period of 2020 remains at a fairly strong level despite the covid-19 pandemic. Meanwhile, one of the internal factors that influence CAR is Return On Assets (ROA) with a significance value of 0.005.

Keywords

Capital, CAR, ROA, FDR

Article Details

How to Cite
Inda, T. I. F. R. (2021). Performa modal Bank Syariah di tengah pandemi covid-19. J-EBIS (Jurnal Ekonomi Dan Bisnis Islam), 6(2), 142-159. https://doi.org/10.32505/j-ebis.v6i2.3530

References

  1. Amin Nurdin, Modal Bank Syariah Menebal, Optimalisasi di Masa Pandemi jadi Tantangan, bisnis.com, 2020
  2. Arifin, Zainul. Dasar-dasarManajemen Bank Syariah. (Bandung: Alva Beta, 2002).
  3. Dendawijaya, L., Manajemen Pebankan (Jakarta : Ghalia Indonesia, 2011).
  4. Ferdinandus, S. J., dkk (2020). Menilai Kondisi Kesehatan Keuangan Pt Bank Permata, Tbk Dimasa Pandemi Covid-19. 8, 22– 34.
  5. Hong, S.-J.; Najmi, H. The Relationships between Supply Chain Capability and Shareholder Value Using Financial Performance Indicators. Sustainability 2020, 12, 3130. https://doi.org/10.3390/su12083130
  6. Kasmir, Pengantar Manajemen Keuangan (Jakarta: Kencana, 2009).
  7. Mandiri, S., dkk (2013). Pengaruh Car, Fdr, Npf, Dan Bopo Terhadap Roe Bank Syariah Mandiri Periode Desember 2008Agustus 2012. Diponegoro Journal of Accounting, 0(0), 320–328.
  8. Muhammad (2002), Manajemen Bank Syariah, Yogyakarta: UPP AMP YKPN.
  9. Muhammad (2014), Manajemen Dana Bank Syariah. Jakarta: Rajawali Pers.
  10. Novitasari, D.R. (2015). Pengaruh Tingkat Kesehatan Bank Dengan Metode Camels Terhadap Pertumbuhan Laba Pada Bank Umum Syariah Periode 2011-2014, 1, 1–20.
  11. Rahman, A. (2020). Analisis Pembiayaan Pada Masa Pandemic. Jurnal Ekonomi Islam, Vol 1 No. 2, 144–154. https://doi.org/10.30596/al-sharf.v
  12. Rivai, Veithzal, dkk. Commercial Bank Management Manajemen Perbankan dari Teori ke Praktik (Rajawali Pers : Jakarta, 2013).
  13. Rivai, Veithzal. Bank and Financial Institute Management. (Jakarta: PT. Raja GrafindoPersada, 2007).
  14. Siamat, Dahlan. Manajemen Lembaga Keuangan, Edisi Empat (Lembaga Penerbit FEUI, 2004).
  15. TA, C. M., dan Meutia Fitri, S.E, M.M, A. (2016). Pengaruh Biaya Operasional , Dana Pihak Ketiga Dan Non Performing Finance Terhadap Pertumbuhan Laba. Ilmiah Mahasiswa Ekonomi Akuntansi (JIMEKA), Vol. 1 No. 1, 247–257.
  16. Wahyudi, Imam, dkk, Manajemen Risiko Bank Islam (Jakarta: Salemba, 2013).
  17. Wilara, Giras Risti, dkk. Determinan Ketahanan Modal Bank Syariah di Indonesia : Pendekatan ECM, Jurnal Ekonomi dan Studi Pembangunan Volume17, Nomor. 2, Oktober, 2016.
  18. Yulia, dan Ramdani, K. (2020). Pengaruh Dana Pihak Ketiga, Financing To Deposit Ratio, Non Performing Financing dan Tingkat Suku Bunga Terhadap Penyaluran Pembiayaan (Studi Kasus Perbankan Syariah di Indonesia Tahun 2011-2018). Journal of Islamic Economy and Business (JIsEB), 1(1), 63–75. http://e-journal.iainptk.ac.id/index.php/jiseb
  19. Zulkifli, Sunarto. Panduan Praktis Perbankan Syariah, (Jakarta: Zikrul. Hakim, 2003)