Exploration of Rural Banks Performance During the Covid-19 Pandemic
Keywords:
BPR, Covid-19 Pandemic, Credit RestructuringAbstract
Rural Banks or BPRs are financial institutions whose majority business is to serve the lower middle class and micro-entrepreneurs rely on daily income. With the presence of cases of patients infected with the Corona virus in Indonesia in March 2021, the government took policies to tackle the spread of the virus by limiting activities outside the home and the closure of restaurants, stalls, malls and tourist attractions in April 2020 resulted in a decline in income for these businesses. This research aims to explore the impact of the Covid-19 pandemic on BPRs that serve these micro-enterprises. Even though the government has adopted a policy of restructuring credit or financing for banks, the impact of the pandemic is still being felt by financial institutions, including BPRs whose customers are the public and small entrepreneurs.
References
BI. (2021). LDR Bank Ideal 75-80. https://keuangan.kontan.co.id/news/bi-ldr-bank-ideal-75-80.
Di Maggio, P. J., & Powell, W. W. (2000). The iron cage revisited institutional isomorphism and collective rationality in organizational fields. Advances in Strategic Management, 17(2), 143–166. https://doi.org/10.1016/S0742-3322(00)17011-1.
Gulati, R., & Kumar, S. (2016). Assessing the impact of the global financial crisis on the profit efficiency of Indian banks. Economic Modelling, 58, 167–181. https://doi.org/10.1016/j.econmod.2016.05.029.
Harmono, H. (2009). Manajemen Keuangan Berbasis Balance Scorecard. Bumi Aksara.
Kasmir, K. (2019). Analisis Laporan Keuangan (11th ed.). Rajagrafindo Perkasa.
Sofyan, M. (2021). Kinerja BPR dan BPRS Pada Masa Pandemi COVID-19. The 2nd Seminar Nasional ADPI Mengabdi Untuk Negeri Pengabdian Masyarakat Di Era New Normal, 2(2), 6–12.
Sukendri, N. (2021). Likuiditas Dan Permodalan Bank Milik Pemerintah Sebelum Dan Pada Masa Pandemi. Distribusi - Journal of Management and Business, 9(1), 109–118. https://doi.org/10.29303/distribusi.v9i1.161
Supeno, W., & Hendarsih, I. (2020). Kinerja Kredit Terhadap Profitabilitas BPR Pada Masa Pandemi Covid-19. Akrab Juara, 5, 147–161. http://akrabjuara.com/index.php/akrabjuara/article/view/1290
Wardani, P. S., & Ismunawan, I. (2021). Impact Pandemi Covid-19 Terhadap Rentabilitas Bank. Jurnal Binis Dan Akuntansi, 23(1), 165–178.
