Putra, Yuda Septian Dwi (2023) Analisis Implementasi Regulasi Pemerintah Terhadap Peningkatan Kinerja Keuangan Bank Perkreditan Rakyat ( Bpr ) Dan Bank Pembiayaan Rakyat Syariah ( Bprs ) Di Pekanbaru ( Studi Kasus Setelah Berlakunya Pojk No.23 Tahun 2022 ). Other thesis, Universitas Islam Riau.

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Abstract

This research aims to determine the differences in the financial performance of BPR/BPRS before and after the implementation of POJK No. 23 of 2022. The financial ratios analyzed are NPL, CAR, ROA, and BOPO. The analysis techniques used in this research are descriptive statistical analysis techniques and the Wilcoxon test. The samples used were 20 Rural Banks and 1 Sharia Rural Bank. The results of the research show that there are differences in the financial performance of ROA, CAR, and BOPO before and after the enactment of POJK No. 23 of 2022, while the NPL ratio is no different. This can be a potential indicator that can be used as a reference for the OJK in the effectiveness of the POJK issued, especially in assessing bank health.

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