Proceedings of the 5th International Conference on Applied Economics and Social Science, ICAESS 2023, 7 November 2023, Batam, Riau islands, Indonesia

Research Article

Comparative Analysis of Credit Quality Before and During Covid-19 at Banks in the Category of Commercial Banks with Category 4 Business Activities Listed on the Indonesia Stock Exchange

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  • @INPROCEEDINGS{10.4108/eai.7-11-2023.2342276,
        author={Grace Putri Nami Br Gultom and Vina Kholisa Dinuka},
        title={Comparative Analysis of Credit Quality Before and During Covid-19 at Banks in the Category of Commercial Banks with Category 4 Business Activities Listed on the Indonesia Stock Exchange},
        proceedings={Proceedings of the 5th International Conference on Applied Economics and Social Science, ICAESS 2023, 7 November 2023, Batam, Riau islands, Indonesia},
        publisher={EAI},
        proceedings_a={ICAESS},
        year={2023},
        month={12},
        keywords={banking credit management credit management bank performance},
        doi={10.4108/eai.7-11-2023.2342276}
    }
    
  • Grace Putri Nami Br Gultom
    Vina Kholisa Dinuka
    Year: 2023
    Comparative Analysis of Credit Quality Before and During Covid-19 at Banks in the Category of Commercial Banks with Category 4 Business Activities Listed on the Indonesia Stock Exchange
    ICAESS
    EAI
    DOI: 10.4108/eai.7-11-2023.2342276
Grace Putri Nami Br Gultom1, Vina Kholisa Dinuka1,*
  • 1: Politeknik Negeri Batam
*Contact email: vinakholisa@polibatam.ac.id

Abstract

The economic impact of the Corona Virus pandemic has resulted in many creditors having difficulty paying their loans to banks. This is due to the difficulty in getting money from their economic activities. The purpose of this research is to look at bank credit performance before and during the COVID-19 pandemic. This research is quantitative with a comparative approach and the sampling method used is the saturated sample method which will make all banks that fall into the BUKU 4 category as the research sample. This study compares the performance of lending and non-performing loans of banks in the category of commercial banks with business activities (BUKU 4). Data were analyzed using SPSS 16. The results showed that the H1 hypothesis with the NPL indicator found differences in credit quality before and during Covid-19. Likewise, with the H2 hypothesis with the credit channeling indicator getting the result that there is a difference in credit quality before and during the Covid-19 period in Indonesia. These results also encourage Category 4 General Business Activities banks to maintain and optimize NPLs and lending to improve credit quality.