SKRIPSI PBS
DAMPAK PANDEMI COVID-19 TERHADAP PEMBIAYAAN MUSYARAKAH
ABSTRACT
The possibility of a crisis in 2020 due to the Covid-19 pandemic
weakening various sectors, weakening the level of public purchasing power and
also the ability of creditors to pay also many who have failed to pay so that the
performance of Islamic Commercial Banks (BUS) in financing distribution will be
disrupted.
The aim of this study was to determine whether the Covid-19 pandemic
had an effect on Musyarakah Financing Performance at Indonesian Sharia
Commercial Banks. This study uses the control variables Operational Costs to
Operating Income (BOPO), Non-Performing Finance (NPF) and Capital
Adequacy Ratio (CAR).
The type of data used is secondary data type of Indonesian Islamic
Commercial Banks which publish quarterly financial reports periodically during
2017-2021 with a sample of 7 Islamic Commercial Banks. The dummy variable
was used in this study as a test of whether or not the Covid-19 pandemic had an
effect on musyarakah financing. There result of the research can be concluded,
there were Covid-19 pandemic had a positive effect on musyarakah financing.
Keywords: Covid-19, Musyarakah Financing, BOPO, NPF, CAR
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