EAS Publisher | Study of the Financial Conditions of Regional Credit Guarantee Business before and During the COVID-19 Pandemic

Study of the Financial Conditions of Regional Credit Guarantee Business before and During the COVID-19 Pandemic

DOI : https://doi.org/10.36349/easjebm.2022.v05i11.003

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This research is about the condition finance credit guarantee (Jamkrida) in Indonesia and aims to determine the impact of the Covid-19 pandemic on the financial condition of liquidity, risk guarantee, asset management, and profitability. The study population is 18 Jamkrida in Jamkrida, Indonesia. The sample was determined in a census; however, only 11 companies were available for the data. Period observation for four years is divided into before the Covid-19 pandemic in 2018-2019 and during the Covid-19 pandemic in 2020-2021. Data sourced from their website company and analyzed in a manner descriptive and different tests in pairs. Research results show no significant difference in ratio liquidity, ratio of guarantee risk, and asset management before and during the covid 19 pandemic, meaning the covid-19 pandemic is not influential to these three variables. However, there is a significant difference in profitability before and during the Covid-19 pandemic; in other words, the Covid-19 pandemic affects acquisition profit.

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