Analisis Manajemen Risiko Likuiditas pada Bank Syariah dan Bank Konvensional: Perbandingan Selama Pandemi Covid-19 

Analysis of Liquidity Risk Management in Islamic Banks and Conventional Banks: Comparison During the Covid-19 Pandemic 

Pandemi COVID-19 berdampak besar pada perekonomian global termasuk Indonesia, terutama terhadap sektor perbankan. Penelitian ini menggunakan metode penelitian kuantitatif komparatif. Penelitian ini bertujuan untuk membandingkan manajemen risiko di bank syariah dan konvensional dengan menggunakan uji t-Test dan Mann-Whitney U. Selama pandemi COVID-19, data menunjukkan perbedaan current ratio, quick ratio, dan LDR/FDR antara bank konvensional dan syariah. Bank syariah memiliki current ratio dan quick ratio yang lebih tinggi daripada bank konvensional, menunjukkan kemampuan lebih baik dalam memenuhi kewajiban jangka pendek dan mempertahankan likuiditas. Selain itu, bank syariah memiliki FDR yang lebih rendah. Hasil penelitian dapat membantu investor dalam pengambilan keputusan investasi, namun disarankan untuk mempertimbangkan juga indikator lain. Studi hanya fokus pada analisis risiko likuiditas pada kedua jenis bank selama pandemi, menyarankan penelitian selanjutnya untuk memperluas variabel dan waktu penelitian.

Kata kunci : manajemen risiko likuiditas, bank syariah, bank konvensional

The COVID-19 pandemic has had a major impact on the global economy including Indonesia, especially on the banking sector. This study uses a comparative quantitative research method. This study aims to compare risk management in Islamic and conventional banks using the t-Test and Mann-Whitney U test. During the COVID-19 pandemic, the data shows differences in current ratio, quick ratio, and LDR/FDR between conventional and Islamic banks. Islamic banks have a higher current ratio and quick ratio than conventional banks, indicating a better ability to meet short-term obligations and maintain liquidity. In addition, Islamic banks have a lower FDR. The results of the study can help investors in making investment decisions, but it is recommended to also consider other indicators. The study only focuses on analyzing liquidity risk in both types of banks during the pandemic, suggesting future research to expand the variables and research time.

Keywords : liquidity risk management, Islamic banks, conventional banks