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Comparison of Non-Performing Loans Before and During Covid-19 at Traditional Commercial Banks in Indonesia that are registered with the Financial Services Authority

In: Proceedings of the 10th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-10 2022)

Author

Listed:
  • Rulyanti Susi Wardhani

    (Universitas Bangka Belitung, Faculty of Accountancy)

  • Amrizah Kamaluddin

    (Universiti Teknologi MARA Selangor Branch, Faculty of Accountancy)

  • Nizwan Zukhri

    (Universitas Bangka Belitung, Faculty of Accountancy)

  • Anggraeni Yunita

    (Universitas Bangka Belitung, Faculty of Accountancy)

  • Suci Suci

    (Universitas Bangka Belitung, Faculty of Accountancy)

Abstract

During the Covid-19 period, banks tried to carry out their intermediation function by optimally distributing credit, impacting non-performing loans’ risk. This study aimed to examine and analyze the differences in non-performing loans before Covid-19 (2018-2019) and during Covid-19 (2020-2021). The study’s sample comprises conventional commercial banks registered with the Financial Services Authority. For the case in this study, intentional sampling was used to collect data from up to 12 banks. The analytical approach employs a paired sample t-test and is comparative analytical. The study results demonstrate substantial changes in non-performing loans between before and during Covid-19, demonstrating that the Covid-19 pandemic influences the likelihood of non-performing loans.

Suggested Citation

  • Rulyanti Susi Wardhani & Amrizah Kamaluddin & Nizwan Zukhri & Anggraeni Yunita & Suci Suci, 2025. "Comparison of Non-Performing Loans Before and During Covid-19 at Traditional Commercial Banks in Indonesia that are registered with the Financial Services Authority," Advances in Economics, Business and Management Research, in: Firman Firman & Shuhymee Shuhymee & Rangga Handika & Muhammad Rizky Prima Sakti & Astri Yuza Sari & (ed.), Proceedings of the 10th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-10 2022), pages 7-16, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-839-4_2
    DOI: 10.2991/978-94-6463-839-4_2
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