Electronic Theses and Dissertation

Pandemi COVID-19 telah mengganggu kinerja bank ke tingkat yang belum pernah disaksikan sebelumnya. Selain itu, efeknya mungkin akan bertahan untuk waktu yang sangat lama. Beberapa bank terpengaruh secara bersamaan, dan lembaga keuangan pemerintah dan swasta juga terpengaruh dengan cepat. Selama pandemi COVID-19 di Afrika, berdampak pada operasional bank. Peneliti mengangkat empat isu dalam artikel ini: apakah rasio kecukupan modal, kredit bermasalah, laba per saham, dan rasio likuiditas berdampak lebih besar terhadap kinerja keuangan bank syariah di Afrika daripada bank konvensional selama pandemi COVID-19. Untuk menjawab pertanyaan-pertanyaan tersebut di atas, peneliti menggunakan data sekunder dalam proses pengumpulan data. Ukuran sampel penelitian ini adalah delapan (8) bank syariah dan delapan (8) bank konvensional di Afrika, dan jumlah observasi adalah tiga puluh dua (32). Data dikumpulkan dari laporan tahunan di website masing-masing bank. Data yang diperoleh dari pengujian hipotesis diteliti dalam penelitian ini dengan menggunakan alat Statistical Package for the Social Sciences (SPPS). Peneliti menemukan bahwa rasio kecukupan modal dan rasio likuiditas bank syariah meningkat selama pandemi COVID-19, sedangkan kredit macet dan laba per saham menurun.

Kata Kunci: Rasio Kecukupan Modal, Kredit Bermasalah, Laba per Saham, Rasio Likuiditas, Kinerja Bank, dan Selama Pandemi COVID-19

The COVID-19 pandemic has interrupted bank performance to a degree that has never been witnessed before. Furthermore, its effects will probably last for a very long period. Several banks were affected simultaneously, and both governmental and private financial institutions were quickly affected as well. During the COVID-19 pandemic in Africa, there was an impact on the operations of banks. The researcher raised four issues in this article: whether capital adequacy ratio, non-performing loans, earnings per share, and liquidity ratio have a greater impact on the financial performance of Islamic banks in Africa than conventional banks during the COVID-19 pandemic. To answer the above-mentioned questions, the researcher utilized secondary data in the data gathering process. The sample size of this study is eight (8) Islamic banks and eight (8) conventional banks in Africa, and the total number of observations is thirty-two (32). The data was collected from the annual reports on each bank's websites. The data obtained from hypothesis testing are examined in this research using the Statistical Package for the Social Sciences (SPPS) tool. The researcher discovered that the capital adequacy ratio and liquidity ratio of Islamic banks increased during the COVID-19 pandemic, whereas non-performing loans and earnings per share decreased. Keywords: Capital Adequacy Ratio, Non-performing loans, Earnings per share, liquidity ratio, banks’ performance, and during COVID-19 pandemic