Determinants of the Profitability of Islamic Rural Banks During Covid-19 in Indonesia

The Return on Asset (ROA) value of Islamic rural banks (BPRS) keeps decreasing during the Covid-19 pandemic, specifically from 2020 to 2021. ROA Sharia Commercial Bank and Business Unit also decreased in but increased During many financial institutions were trouble, BPRS was still able survive midst a crisis. This phenomenon attracted some scholars study factors that made pandemic. aims analyze effect internal external banks’ profitability second quarter first 2022. sample used consisted 134 with complete data be analyzed. panel regression as dependent variable. result shows partially, FDR has positive impact ROA, whereas NPF OER hurt ROA. On other hand, CAR, GDP, CPI have no finding an important role dealing crises government is expected support digital transformation order increase efficiency convenience BPRS, so public join BPRS.