QUALITY OF SHARIA BANKING FINANCING DURING THE COVID-19 PANDEMIC INFLUENCED BY THE BEHAVIOR OF INDONESIAN COMMUNITY
Nurlianti Candradewi

Universitas Airlangga

Abstract

This study aims to examine: 1) To examine and analyze the effect of the Covid 19 pandemic on the quality of Islamic banking financing in Indonesia. 2) To test and analyze the restructuring carried out in sharia financing during the Covid 19 pandemic conditions. 3) To examine and analyze the influence of Indonesian people^s behavior on bank financing held during the Covid 19 pandemic.
This research was conducted on all Islamic banking in Indonesia, both general and regional Islamic banks by comparing the quality of financing during the Covid 19 pandemic to those before the Covid 19 pandemic.
The method used for data collection is the census method by taking all population units, namely all Islamic banking in Indonesia. The analysis was carried out using a quantitative approach complemented by qualitative analysis and intuitive analysis.
Based on the results of data analysis, it was concluded that the Covid 19 pandemic and the behavior of the Indonesian people had a significant effect on the quality of Islamic banking financing in Indonesia. In addition, it is proven in the norms of the Qur^an as a manifestation of the sale and purchase contract as well as profit sharing that Islamic banking has implemented in Indonesia. The findings of this study support the theory of TSR and ANP proposed by Wildan Sanjoyo which says that humans basically have causes and effects to achieve well being, depending on their priority behavior in dealing with a condition.

Keywords: Islamic banking- quality of financing- community behavior- Covid-19 pandemic.

Topic: Islamic accounting, auditing, and performance changes