Instrumen Makroekonomi dan Pengaruhnya terhadap Kinerja Keuangan Bank Umum di Indonesia Selama Pandemi Covid-19
DOI:
https://doi.org/10.30651/jms.v7i1.9637Abstract
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Abstraksi
Terjadinya wabah Covid-19 sejak tahun 2020 memberikan kontraksi yang cukup dalam terhadap kondisi makroekonomi Indonesia. Penelitian ini bertujuan menganalisis instrumen makroekonomi dan pengaruhnya terhadap kinerja keuangan Bank Umum di Indonesia yaitu BUS dan BUK selama terjadinya wabah Covid-19. Instrumen makroekonomi yang digunakan adalah BI-7Day-Reverse RepoRate dan inflasi sedangkan kinerja keuangan diukur menggunakan rasio keuangan yang dapat mewakili beberapa aspek kinerja keuangan bank yaitu CAR untuk mengetahui aspek permodalan, NPF Net dan NPL Net untuk mengetahui kualitas aktiva produktif, NOM dan NIM untuk mengetahui aspek rentabilitas, serta FDR dan LDR untuk mengetahui tingkat likuiditas BUS dan BUK. Metode dalam penelitian ini adalah kuantitatif dengan data time series bulan Maret 2020 sebagai awal mewabahnya Covid-19 di Indonesia sampai dengan Mei 2021 dengan menggunakan teknik analisis regresi berganda. Hasil penelitian menunjukkan BI7DRR berpengaruh signifikan terhadap CAR, NPF Net, NOM dan NIM, FDR dan LDR pada BUS dan BUK namun tidak berpengaruh pada NPL Net BUK. Inflasi hanya berpengaruh pada NOM BUS dan NIM BUK dan tidak berpengaruh pada CAR, NPF Net dan NPL Net, serta FDR dan LDR BUS dan BUK.
Kata kunci: makroekonomi, rasio keuangan, kinerja keuangan
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