Analisis Kelayakan Penyaluran Kredit Konsumtif Dan Kredit Produktif Pada Bank Konvensional Yang Terdaftar Di Bursa Efek Indonesia Terhadap Roa Perbankan Sebelum Dan Sesudah Pandemi Covid-19

This study aims to analyze the feasibility of disbursing consumptive credit and productive conventional banks ROA (Return On Assets) before after covid-19 pandemic. The population used in this is Conventional Commercial Banks listed on Indonesia Stock Exchange for period 2017 2020. analytical methods are Descriptive Statistical Analysis Independent Sample T-Test. From results research conducted due COVID-19 pandemic, bank lending experienced problems with increase NPL (Non-Performing Loans) had an effect banking Assets). Based Loan) data, has more dominantly increased than decreased pandemic vice versa, Asset) was compared And also from T-Test by NPL, it concluded that there no significant difference average or mean while a