Impact of The Covid-19 Outbreak on The Stability of Sharia Banking Financial Performance

Abstract

The Covid-19 pandemic which became an epidemic throughout the world including Indonesia, so that all sectors including the economy experienced contractions, one of which was Islamic Commercial Banks which faced challenges in the midst of the Covid-19 outbreak such as possible risks to financial performance, so the purpose of this study is to analyze financial performance. Islamic commercial banks during the covid-19 pandemic and are expected to increase economic growth and maintain stability in economic conditions, using ROA, CAR, NPF, FDR and ERM ratios as variables, with a sample of 11 Islamic Commercial Banks, research using comparative quantitative methods, data processed with the paired sample t-test and the data taken are the financial statements of Islamic Commercial Banks for the previous 2018 – 2019 period, and the 2020 – 2021 period after covid-19. The result is that there are significant differences in the CAR, ROA, FDR and ERM ratios on the financial performance of Islamic banking before and after covid-19, while the NPF is not significant.