RESTRUKTURISASI PEMBIAYAAN NASABAH TERDAMPAK COVID-19 TERHADAP KINERJA DAN RISIKO PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh restrukturisasi pembiayaan nasabah terdampak COVID-19 terhadap kinerja dan risiko pembiayaan Bank Perkreditan Rakyat Syariah (BPRS) di Surakarta. Metode yang digunakan adalah analisis deskriptif kuantitatif dan analisis regresi dengan menggunakan data panel dari 8 BPRS di Surakarta selama periode Januari 2020 hingga Juni 2022. Hasil penelitian menunjukkan bahwa restrukturisasi pembiayaan yang terdampak COVID-19 berpengaruh signifikan negatif terhadap kinerja BPRS. Restrukturisasi pembiayaan yang tidak efektif dapat menurunkan kinerja BPRS. Selain itu, restrukturisasi tidak berpengaruh pada risiko pembiayaan BPR/BPRS. Oleh karena itu, penelitian ini dapat memberikan kontribusi bagi BPRS dalam mengambil kebijakan restrukturisasi kredit yang tepat pada nasabah terdampak COVID-19 pada sektor keuangan.
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