Comparative Analysis of ROA and Strategies of Sharia Commercial Banks in Indonesia During The Pandemic

Abstract

The COVID-19 pandemic has had an impact on the economy in Indonesia. Sharia Commercial Banks in Indonesia are among the banking sectors that can be said to be affected by the pandemic. This study aims to analyze the comparison of ROA values and identify what strategies can be implemented by Sharia Commercial Banks in Indonesia. This research uses quantitative and qualitative research types. The comparative analysis of ROA values was carried out quantitatively using a paired t-test, while the identification of strategies carried out by Sharia Commercial Banks was carried out qualitatively. The results of this study show that there is a real difference in ROA values during the Pandemic and after the Pandemic. The strategies carried out include: more focused innovation and creativity, digitalization, financing restructuring, as well as synergy between financial institutions and synergy between the parent and subsidiaries.