Kinerja Perbankan Syariah di Masa Pandemi Covid-19: Studi Kasus Pada BPRS di Jawa Barat

Mardhiyaturrositaningsih Mardhiyaturrositaningsih

Abstract


Introduction to The Problem: Sharia Rural Banks (BPRS) are Sharia Banks with a different market segmentation from Sharia Commercial Banks (BUS) and Sharia Business Units (UUS). The regulations require BPRS to allocate more resources to empowering the Micro, Small and Medium Enterprises sector. The business sector contributed 60.3 percent to economic growth. West Java has the largest number of BPRS in Indonesia and  high risk area for Covid-19.This shows that the majority of BPRS offices are in the red zone. The Covid-19 pandemic caused an unstable economy, including in West Java.

Purpose: Determine the impact of the Covid-19 pandemic of Sharia Rural Banks in West Java.

Methodology: The research sample was selected using a purposive sampling technique of 27 BPRS in West Java with an observation period from January to December 2020.

Findings: The results showed that the Bank was volatile during the Covid-19 Pandemic. This is indicated by the high risk of non-performing financing at BPRS in West Java. The Financial Services Authority and Institutions issued policies during the Covid-19 Pandemic.


Keywords


Covid-19 Pandemic; Sharia Rural Banks

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References


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