Kemampuan Bertahan BPR Kepemilikan Pemerintah Saat Pandemi

Sujadi Sujadi; Busaini Busaini; I Dewa Gde  Bisma; I Nyoman Nugraha Ardana  Putra; Nengah  Sukendri

doi:10.29303/jseh.v8i1.28

Authors

Sujadi Sujadi Economic and Business Faculty Economics and Development Study, University of Mataram, Mataram
Busaini Busaini Economic and Business Faculty Economics and Development Study, University of Mataram, Mataram
I Dewa Gde Bisma Economic and Business Faculty, Management, University of Mataram, Mataram
I Nyoman Nugraha Ardana Putra Economic and Business Faculty, Management, University of Mataram, Mataram
Nengah Sukendri Management, IAHN Gde Pudja, Mataram

DOI:

https://doi.org/10.29303/jseh.v8i1.28

Keywords:

Ownership Rural Bank, Managerial Ownership Rural Bank, ROA and BOPO

Abstract

This research aims to explain the difference between a Rural Bank (BPR) company in the form of a Limited Liability Company (PT) and a Regional Business Enterprise (PD) in terms of profit and operational efficiency. Its means that research can help the government make decisions and direct policies related to changes in the form of business entities through the privatization process. The comparison between the two types of business entities included in the Comparative Research category and compared BPRs managed by the private sector (PT) with BPRs whose management to determined by the Regional Government (PD) or whose management is with local government intervention. Observations on Rural Banks in West Nusa Tenggara (NTB), which had experienced the COVID-19 pandemic since early 2020. The comparison of profit and operation by yield and efficiency in doing business. Carried Efforts to make comparisons were carried out through independent t-test analysis. This study shows that regional government-owned BPRs can better survive a pandemic to generate profits and efficiency.

References

Ally, Z., 2013, Comparative Analysis of Financial Performance of Commercial Banks in Tanzania, Research Journal of Finance and Accounting, Vol.4, No.19, pp. 133-144

Amri, A., 2020, Dampak COVID-19 Terhadap UMKM di Indonesia, Jurnal BRAND, Vol. 2, No.1, pp. 123-130

Divini, Aikaterini dan Nikos Schiniotakis, 2015, Performance and profile: a twofold bank profitability riddle, Team Performance Management, Vol. 21 No. 1/2, pp. 51-64.

Du, Xingqiang, 2013, Does Religion Matter to Owner-Manager Agency Costs? Evidence from China, Journal Business Ethic, 118, pp. 319-347.

El Masah, S., dan O. Al-Sayed, 2015, Banking Sector Performance: Islamic And Conventional Banks In The UAE, International Journal of Technology Information and Business Management, Vol.36 no.1, pp. 69-81.

Fendel, R., Neugebauer, F., and Zimmermann, L., 2020, Reactions of euro area government yields to Covid-19 related policy measure announcements by the European Commission and the European Central Bank, Finance Research Letters, Vol.xxx, No.xxx, pp. 1-5

Ghozali, I., 2005, Aplikasi Analisis Multivariate dengan Program SPSS, Badan Penerbitan Undip, Semarang.

Ghosh, A. 2017, "Impact of non-performing loans on US product and labor markets", Journal of Financial Economic Policy, Vol. 9 Issue: 3, pp.302-323.

Helhel, Y., 2015, Comparative Analysis of Financial Performance of Foreign and Domestic Banks in Georgia, International Journal of Finance and Accounting, 4(1): pp. 52-59.

Mathew, N.G., dan L.A. Esther, 2012, A Financial Performance Comparison of Foreign VS Local Banks in Ghana, International Journal of Business and Social Science, Vol. 3 No. 21, pp. 82-87.

Megeid, N.S.A., 2017, Liquidity risk management: conventional versus Islamic banking system in Egypt ", Journal of Islamic Accounting and Business Research, Vol. 8 Iss 1, pp. 1-30

Menicucci, E., dan G. Paolucci , (2016),"The determinants of bank profitability: empirical evidence from European banking sector", Journal of Financial Reporting and Accounting, Vol. 14 Iss 1

Mistri, D.S., V. Savani, 2015, A Comparative Study Of The Profitability Performance In The Banking Sector: Evidence From Indian Private Sector Bank, XVI Annual Conference Proceedings, pp. 347-360

Prabu, G.G. dan G. Chandrasekaran, 2015, A Comparative Study on Financial Performance of State Bank of India and ICICI Bank, International Journal of Research in Business Management, Vol. 3, Issue 4, Apr 2015, pp.19-26

Pratiwi, M.I., 2020, Dampak COVID-19 Terhadap Perlambatan Ekonomi Sektor UMKM, Jurnal Ners, Volume 4 Nomor 2, pp.30-39

Putra, I.N.N.A., 2013, Perbedaan Profitabilitas dan Tingkat Pengawasan Sebelum dan Sesudah Merger Pada Bank Perkreditan Rakyat, Jurnal Keuangan dan Perbankan, vol.17, no.2, pp. 302-309.

Rana, M, M.K. Hossain, dan R.S. Rekha, 2016, Profitability and liquidity of conventional banking and Islamic banking in Bangladesh: A comparative study, International Journal of Applied Research, no. 2(9), pp. 318-327.

Rashid, Afzalur, 2015, Revisiting Agency Theory: Evidence of Board Independence and Agency Cost from Bangladesh, Journal Business Ethic, 130, pp. 181-198.

Rosita, R, 2020, Pengaruh Pandemi COVID-19 Terhadap UMKM di Indonesia, Jurnal Lentera Bisnis, Vol.9, No.2, pp. 109-120.

Sarath, D., & Pham D.V. 2015, The determinants of Vietnamese banks’ lending behavior, Journal of Economic Studies, Vol. 42 Iss 5 pp. 861 – 877.

Supeno, W. dan Hendarsih, I., 2020, Kinerja Kredit Terhadap Profitabilitas BPR Pada Masa Pandemi COVID-19, Jurnal AKRAB JUARA, Vol. 5, No.2, pp. 147-161.

Takahashi, H. and Yamada, K., 2021, When the Japanese stock market meets COVID-19: Impact of ownership, China and US exposure, and ESG channels, International Review of Financial Analysis, vol.74 pp.1-16

Thepot, Jacques, 2015, Negative Agency Cost, Theory and Decision., vol.78, issue 3, pp. 411-428.