Analisis Kredit, DPK dan LDR Perbankan Indonesia Pra dan Pasca Pandemi Covid-19
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Abstract
Pentingnya menganalisis peranan pendanaan dan penyaluran kredit perbankan Indonesia pra dan pasca pandemi Covid-19 dengan data terbaru agar para pemangku kepentingan bisa membuat keputusan lebih tepat. Tujuan penelitian ini untuk menganalisis perubahan peranan dana pihak ketiga (DPK), penyaluran kredit, serta rasio loan to deposit (LDR) dalam industri perbankan Indonesia pra dan pasca pandemi Covid-19. Metode penelitiannya adalah pendekatan kuantitatif deskriptif-komparatif. Populasi dan sampel dalam penelitian ini adalah bank umum konvensional (BUK). Serta data penelitian menggunakan data sekunder yang bersumber dari OJK, BI, dan BPS. Hasil penelitian ini menemukan bahwa pra pandemi Covid-19, peranan DPK terhadap kredit perbankan sangat besar, tecermin tingginya tingkat LDR di industri perbankan Indonesia. Sedangkan pasca pandemi Covid-19, peranan DPK terhadap kredit perbankan masih berlangsung dengan baik, meskipun tingkat peranannya tidak sebesar masa pra pandemi Covid-19. Penelitian ini membantu para pelaku industri perbankan Indonesia, OJK, dan pemerintah dalam merumuskan strategi dan kebijakan terkait peranan pendanaan dan pemberian kredit perbankan di masa depan.
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