The Analysis Of Health Level Difference Between BPR And BPRS During Post-New Normal Era in Greater Malang

Abstract

COVID-19 pandemic affects all of economic aspects in Indonesia. Banking, including BPR (Rural Bank) and BPRS
(Sharia Rural Bank), is one of the affected economic sectors. Therefore, the researchers believe that an analysis on the
health level of BPR and BPRS prior and subsequent to COVID19 pandemic should be conducted. This research uses
CAMEL method to carry out the analysis of Bank Health. Based on the purposive sampling technique utilized, the
researchers obtained samples taken from 26 BPR and BPRS in Greater Malang. The research data is quantitative, in
the form of quarterly financial reports published via Financial Services Authority (OJK)'s website. The data taken
respectively are financial data of 2019 (prior to the pandemic) and 2020 (subsequent to the announcement of Indonesia's
first COVID-19 case, dated 2 March 2020). The researchers further process the data by using paired sample t-test for
normally distributed data and Wilcoxon test as the alternative for abnormally distributed one. Based on the
aforementioned test, the authors figure out that there is significant difference in the Capital Health prior and subsequent
to COVID-19 pandemic. Meanwhile, the health level of asset quality, management, earnings, and liquidity do not show
any critical difference pre- and post-COVID-19 pandemic.