ANALISIS STRATEGI BANK MANDIRI SYARIAH DAN BRI DALAM MENJAGA STABILITAS KEUANGAN PADA MASA PANDEMI COVID-19

Nova, Febriyani (2021) ANALISIS STRATEGI BANK MANDIRI SYARIAH DAN BRI DALAM MENJAGA STABILITAS KEUANGAN PADA MASA PANDEMI COVID-19. Undergraduate thesis, UNIVERSITAS ISLAM NEGERI RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pandemi covid-19 saat ini melanda dunia termasuk Indonesia, sehingga menimbulakn berbagai dampak termasuk sektor ekonomi. Pandemi Covid-19 membuat pemerintah membuat kebijakan semi lockdown, dimana adalam kebijakan ini semua aktivitas akan dilakukan dari rumah, misalnya belajar dari rumah, bekerja, beribadah dan sebagainya akan dilakukan dari rumah. Guna dari kebijakan ini adalah agar masyarakat dapat menerapkan social distancing. Rumusan masalah dalam penelitian ini adalah bagaimana Strategi Bank Mandiri Syariah dan BRI dalam menjaga stabilitas keuangan pada masa pandemic Covid-19? dan bagaimana Solusi Ekonomi dan Keuangan dimasa Pandemi Covid-19 menurut Perspektif Ekonomi Islam. Penelitian ini menggunakan data wawancara dan data sekunder. Populasi dalam penelitian ini adalah laporan tahunan PT. Bank Syariah Mandiri dan PT. Bank Rakyat Indonesia, serta wawancara kepada kepala cabang kedua bank tersebut. Sampel dalam penelitian ini mengambil 2 bank yang ada di kota Bandar Lampung, yaitu PT. Bank Syariah Mandiri KC Bandar Lampung dan PT. Bank Rakyat Indonesia KC Bandar Lampung. Untuk menganalisa data, ketiga metode data analisis telah digunakan yaitu metode induktif, deduktif dan komparatif. Hasil Penelitian menunjukkan bahwa Strategi Bank Mandiri Syariah dalam menjaga stabilitas keuangan pada masa Pandemi Covid-19 adalah Pertama, Mandiri Syariah Mobile (MSM). Kedua, QRIS. Ketiga, Kebijakan Stimulus Perekonomian Nasional No.11/ POJK.03/ 2020. Strategi BRI dalam menjaga stabilitas keuangan pada masa Pandemi Covid-19 adalah Pertama, tabungan berhadiah. Kedua, Pembatasan layanan operasional bank. Ketiga, Kebijakan Stimulus Perekonomian Nasional yaitu No.11/ POJK.03/ 2020. Keempat, Program BRI Peduli Pandemi Covid-19. Solusi Ekonomi dan Keuangan dimasa pendemi Covid�19 menurut perspektif Ekonomi Islam dilakukan dengan penyaluran bantuan langsung tunai, penetapan wakaf, bantuan modal usaha, pinjaman qaurdhul hasan, zakat, menerapkan system ekonomi dan keuangan syariah dan pengembanan teknologi financial syariah. Kata Kunci : Strategi, Stabilitas Keuangan, Covid-19 iii ABSTRACT The Covid-19 pandemic is currently hitting the world including Indonesia, causing various impacts including the economic sector. The Covid-19 pandemic has forced the government to make a semi-lockdown policy, where in this policy all activities will be carried out from home, for example studying from home, working, worshiping and so on will be carried out from home. The purpose of this policy is so that people can apply social distancing. The formulation of the problem in this study is what is the strategy of Bank Mandiri Syariah and BRI in maintaining financial stability during the Covid-19 pandemic? and how is the Economic and Financial Solution during the Covid-19 Pandemic according to the Islamic Economic Perspective. This study uses interview data and secondary data. The population in this study is the annual report of PT. Bank Syariah Mandiri and PT. Bank Rakyat Indonesia, as well as interviews with the heads of the branches of the two banks. The sample in this study took 2 banks in the city of Bandar Lampung, namely PT. Bank Syariah Mandiri KC Bandar Lampung and PT. Bank Rakyat Indonesia KC Bandar Lampung. To analyze the data, three methods of data analysis have been used, namely inductive, deductive and comparative methods. The results of the study show that the strategy of Bank Mandiri Syariah in maintaining financial stability during the Covid-19 Pandemic is First, Mandiri Syariah Mobile (MSM). Second, QRIS. Third, the National Economic Stimulus Policy No.11/ POJK.03/ 2020. BRI's strategy in maintaining financial stability during the Covid-19 Pandemic is First, savings with prizes. Second, restrictions on bank operational services. Third, the National Economic Stimulus Policy, namely No.11/ POJK.03/ 2020. Fourth, the BRI Program Cares for the Covid-19 Pandemic. Economic and Financial Solutions during the Covid-19 pandemic, according to the perspective of Islamic Economics, are carried out by distributing direct cash assistance, determining endowments, business capital assistance, qaurdhul hasan loans, zakat, implementing Islamic economic and financial systems and developing Islamic financial technology. Keywords: Strategy, Financial Stability, Covid-19

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