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"Pandemi Covid-19 telah menyebabkan perubahan besar dalam proses bisnis di Indonesia, termasuk pelaku usaha yang menggunakan internet sebagai sarana untuk menjalankan bisnisnya. Penelitian ini bertujuan untuk mengeksplorasi pengaruh internet terhadap kesenjangan penghasilan pelaku usaha di masa pandemi Covid-19 menggunakan data sekunder Sakernas Agustus 2021dengan unit analisis pelaku usaha berusia 15 tahun dan lebih. Analisis data dilakukan dengan menggunakan metode dekomposisi Blinder-Oaxaca untuk mengukur kontribusi penggunaan internet serta faktor-faktor yang mempengaruhi kesenjangan penghasilan antar pelaku usaha. Hasil analisis menunjukkan bahwa penggunaan internet mempengaruhi kesenjangan penghasilan pelaku usaha, karena penghasilan pelaku usaha yang menggunakan internet lebih tinggi dibandingkan yang tidak menggunakan. Selain itu, hasil analisis dekomposisi Blinder-Oaxaca juga menunjukkan bahwa variabel internet menyebabkan total kesenjangan penghasilan pelaku usaha sebesar 61,06 persen poin dengan kontribusi faktor yang terukur (endowment) lebih tinggi 83,47 persen daripada kontribusi faktor tak terjelaskan (unexplained) sebesar 16,53 persen

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The Covid-19 pandemic has caused major changes in business processes in Indonesia, including entrepreneurs who use the internet as a means to run their business. This study aims to explore the influence of the internet on the earning gap of entrepreneurs during the Covid-19 pandemic using secondary data from Sakernas August 2021 with the unit of analysis of entrepreneurs aged 15 years and over. Data analysis was conducted using the Blinder-Oaxaca decomposition method to measure the contribution of internet usage as well as the factors that affect the earning gap between entrepreneurs. The results of the analysis show that the use of the internet affects the earning gap between entrepreneurs, because the earning of entrepreneurs who use the internet is higher than those who do not use it. In addition, the results of the Blinder-Oaxaca decomposition analysis also show that the internet variable causes a total entrepreneur's earning gap of 61.06 percent points with the contribution of the endowment factor being 83.47 percent higher than the contribution of the unexplained factor of 16.53 percent."

"Pada era industri 4.0, Pemerintah mendorong Industri Mikro dan Kecil (IMK) Indonesia untuk onboarding dengan mentransformasikan aktivitas usaha offline ke aktivitas usaha online melalui internet. Internet merupakan salah satu faktor yang mempengaruhi kinerja IMK. Sayangnya, persentase penggunaan internet untuk aktivitas usaha pada Industri Mikro dan Kecil masih rendah. Pandemi Covid-19 tanpa disadari mempercepat proses digitalisasi IMK meskipun penjualan IMK menurun signifikan sebagai dampak dari Pembatasan Sosial Berskala Besar (PSBB). Penelitian ini bertujuan menganalisis bagaimana peran penggunaan internet untuk aktivitas usaha pada kinerja IMK. Data yang digunakan adalah data cross section Survei IMK Tahunan 2020 dengan. Hipotesis pada penelitian ini adalah peran penggunaan internet untuk aktivitas usaha berhubungan positif dengan kinerja usaha Industri Mikro dan Kecil di masa pandemi Covid-19. Penggunan internet diuraikan sebagai penggunaan internet untuk aktivitas iklan, aktivitas penjualan produk, aktivitas pembelian bahan baku, infomasi pengembangan usaha  dan aktivitas fintech lending. Kinerja IMK  diukur dengan omset IMK pada bulan terakhir produksi di tahun 2020. Metode analisis yang digunakan adalah Propensity Scores Matching (PSM). Metode ini digunakan bertujuan untuk mengurangi selection bias karena variabel treatment bersifat tidak acak.Hasil studi ini menyatakan bahwa penggunaan internet untuk aktivitas iklan, aktivitas penjualan produk, aktivitas pembelian bahan baku, infomasi pengembangan usaha dan aktivitas fintech lending berpengaruh positif dan signifikan terhadap omset usaha IMK di masa Pandemi Covid-19

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In the industrial era 4.0, the Government encouraged Indonesian Micro and Small Industries (IMK) to onboard by transforming offline business activities to online business activities via the internet. The Internet is one of the factors that affect the performance of IMK. Unfortunately, the percentage of internet use for business activities in Micro and Small Industries is still low. The Covid-19 pandemic has unwittingly accelerated the process of digitizing IMK even though IMK sales have decreased significantly due to the Large-Scale Social Restrictions (PSBB). This study aims to analyze the role of internet use for business activities on IMK performance. The data used is cross-section data for the 2020 Annual IMK Survey. The hypothesis in this study is that the role of internet use for business activities is positively related to the performance of Micro and Small Industry businesses during the Covid-19 pandemic. Internet use is described as Internet use for advertising activities, product sales, raw material purchasing, business development information, and financial lending activities. IMK performance is measured by IMK turnover in the last month of production in 2020. The analytical method used is Propensity Scores Matching (PSM). This method reduces selection bias because the treatment variable is not random. The results of this study state that the use of the internet for advertising activities, product sales activities, raw material purchasing activities, business development information and fintech lending activities has a positive and significant effect on IMK business turnover during the Covid-19 Pandemic."

"Latar belakang. Pandemi Covid-19 telah memberikan dampak besar secara global. Bidang pendidikan merupakan salah satu bidang turut mengalami dampaknya, di mana sekolah ditutup dan pembelajaraan secara daring. Remaja yang sedang mengikuti kegiatan sekolah daring akan lebih banyak menghabiskan waktu depan layar. Remaja juga akan merasa kesepian karena adanya pembatasan sosial, sehingga akan mencari pelarian melalui internet. Hal ini dapat menyebabkan semakin meningkatnya waktu depan layar, sehingga dapat terjadi peningkatan adiksi internet pada remaja.Tujuan. Mengetahui prevalens adiksi internet di masa pandemi Covid-19 serta mengetahui hubungan beberapa faktor sosio-demografik dengan kejadian adiksi internet.Metode. Penelitian ini merupakan penelitian observasional dengan desain potong lintang yang dilakukan melalui pengisian kuesioner secara daring selama kurun waktu 3 bulan, sejak Maret hingga Juni 2021. Kuesioner terdiri dari kuesioner mengenai faktor sosio-demografik dan KDAI (kuesioner deteksi adiksi internet). Pemilihan subyek penelitian dilakukan dengan cara consecutive sampling, subyek penelitian berasal dari seluruh Indonesia.Hasil. Jumlah subyek penelitian ini adalah 332 remaja siswa SMP/SMA/SMK/sederajat dengan prevalens adiksi internet sebanyak 29,8%. Faktor sosio-demografik yang berhubungan dengan adiksi internet adalah waktu depan layar untuk kegiatan hiburan ≥ 3 jam (p=0,001, adjusted OR 4,309, IK 95% 1,833 – 10,129) serta pengawasan orangtua yang buruk dalam penggunaan internet (p=0,037, adjusted OR 1,827, IK 95% 1,038 – 3,215). Tidak terbukti adanya hubungan antara adiksi internet dengan memiliki saudara kandung (p=0,216), usia mulai aktif menggunakan internet (p=0,123), aktivitas game internet (p=0,147), aktivitas game dan non- game internet (p=0,544), pekerjaan ayah sebagai petani/peternak/nelayan (p=0,188), pekerjaan ayah sebagai pedagang/wiraswasta (p=0,287), pekerjaan ibu sebagai petani (p=0,170), pola asuh orangtua (p=0,684), dan kontrol orangtua (p=0,404).Kesimpulan.Tidak ada peningkatan prevalens adiksi internet pada remaja di masa pandemi Covid-19. Variabel yang memiliki hubungan dengan adiksi internet adalah pengawasan orangtua yang buruk dalam penggunaan dan waktu depan layar untuk kegiatan hiburan ≥ 3 jam.

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Background. The Covid-19 pandemic has had a major impact globally. Education is also having an impact, schools are currently conducted online. Teenagers who are attending online school will spend more screen time. Teenagers often feel lonely due to social restrictions, so will look for escapes over the internet. This can lead to an increase in screen time, resulting in an increase in internet addiction in adolescents.

Objective. To determine the prevalence of internet addiction during the Covid-19 pandemic and to determine the relationship of several socio-demographic factors with the incidence of internet addiction.

Method. This study was an observational study with latitude cross-sectional design, conducted online by filled the questionnaire for a period of 3 months, from March to June 2021. The questionnaire consists of questionnaire of the socio-demographic factors and internet addiction detection questionnaire (kuesioner deteksi adiksi internet/KDAI). The selection of research subjects was conducted by consecutive sampling, the research subjects came from all over Indonesia.

Result. This study included 332 teenagers students of junior high school/senior high school/ vocational school, with the prevalence of internet addiction was 29.8%. Socio-demographic factors related to internet addiction are screen time for entertainment activities ≥ 3 hours (p=0.001, adjusted OR 4,309, CU 95% 1,833 – 10,129) as well as poor parental supervision in internet use (p=0.037, adjusted OR 1,827, CI 95% 1,038 – 3,215). Meanwhile there is no proven connection between internet addiction and having siblings (p=0.216), age of active internet use (p=0.123), internet gaming activities (p=0.147), internet gaming and non-gaming activities (p=0.544), father's job as a farmer/farmer /fisherman (p=0.188), father's job as trader/self- employed (p=0.287), mother's job as farmer (p=0.170), parenting style (p=0.684), and parental control (p=0.404).

Conclusion. There was no increased in the prevalence of internet addiction among adolescents during the Covid-19 pandemic. Variables that have a connection with the internet addiction is poor parental supervision in use of internet and the screen time for entertainment activities ≥ 3 hours."

"Lansia merupakan golongan masyarakat yang kerap kesulitan dalam menggunakan teknologi komunikasi. Penelitian ini bertujuan mengetahui pengalaman dan hambatan yang dialami lansia Kristiani ketika mengikuti ritual ibadah daring menggunakan media berbasis teknologi akibat kondisi pandemi yangterpaksa membuat kegiatan ibadah tatap muka ditiadakan. Konsep digital divide, digital religion, ritual, serta teori kesempurnaan media digunakan dalam penelitian ini untuk menelaah permasalahan tersebut.Dengan menggunakan strategi penelitian fenomenologi deskriptif, peneliti mewawancarai enam lansia di Stasi St. Laurensius Parung Panjang, Kabupaten Bogor, yang bersedia menjadi informan. Para informan menonton tayangan ibadah dari beragam kanal gereja yang ada di YouTube. Hasil menunjukkan beberapatemuan. Mayoritas informan sudah menggunakan media berbasis teknologi dalam kegiatan sehari-hari, namun masih menemui kendala akibat kurangnya keahlian, akses, hingga penurunan kemampuan fisik dan kognisi. Para informan pun akhirnya harus mengandalkan bantuan dari orang lain. Selain itu, mayoritasinforman merasakan ritual ibadah daring belum bisa membawa kekhusyukan penuh. Hal ini membawa pemaknaan ritual ibadah daring menjadi hal yang banal dan tidak sepenuhnya membawa kesenangan.Secara akademis, penelitian ini diharapkan dapat memperluas khazanah pengetahuan mengenai digital divide dan digital religion di Indonesia, sementara secara praktis penelitian ini diharapkan dapat memberimasukan untuk pengembangan penyajian ibadah daring khususnya bagi lansia.

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Senior citizens are a group of people who often encounter difficulties in using communication technology.

This study aims to examine the experiences and obstacles experienced by Christian senior citizens when participating in online worship rituals using technology-based media due to the pandemic, which forced face-to-face worship activities to be abandoned. This study uses the concepts of digital divide, digital religion, ritual, and the theory of media richness to examine these problems. Using a descriptive phenomenological research strategy, the researcher interviewed six senior citizens who are members of the

St. Laurensius Parung Panjang Church, Bogor Regency, and are willing to be informants. The informants watched worship programs from various church channels on YouTube. The results show several findings.

The majority of informants have already utilised technology-based media in their daily activities, but still encounter obstacles due to lack of skill, access, to decreased physical and cognitive abilities. In the end, the informants had to rely on help from other people. In addition, the majority of informants feel that online worship rituals have not been able to bring full solemnity. This brings the meaning of online worship rituals

to be banal and not entirely fun. Academically, this research is expected to expand the wealth of knowledge

regarding the digital divide and digital religion in Indonesia, while practically this research is expected to

provide input for the development of online worship services, especially for the senior citizens.

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"Reksadana adalah salah satu jenis investasi yang diminati oleh banyak orang, karena dilakukan oleh manajer investasi sehingga investor dapat merasa lebih aman. Reksadana saham merupakan jenis reksadana yang dapat memberikan return terbesar. Namun reksadana tidak terlepas dari risiko sistematis atau faktor ekonomi makro seperti IHSG, Nilai Tukar, inflasi, dan kasus Covid-19 yang berpengaruh terhadap kinerja reksadana. Terdapat 172 sampel reksadana saham yang diuji menggunakan analisis regresi linier berganda. Hasil dari penelitian ini adalah IHSG dan nilai tukar berpengaruh signifikan negative, inflasi berpengaruh signifikan positif sedangkan kasus Covid-19 tidak berpengaruh signifikan pada Kinerja reksadana saham di Indonesia.

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Mutual funds are one type of investment that many people are interested in, because they are carried out by investment managers where investors can feel more secure. There are seven types of mutual funds, stock mutual funds are the type of mutual funds that can provide the biggest returns. However, mutual funds cannot be separated from system risk, the purpose of this study is to analyze the effect of macroeconomic factors such as inflation, exchange rates, JCI, and the case of Covid-19 on the return of stock mutual funds in Indonesia. A sample of 172 mutual funds were selected using purposive sampling technique and tested in this study, data were collected from Thompson Reuters and Bank Indonesia. The method used in this research is multiple linear regression analysis. The result of this research is JCI and exchange rate have a negative significant effect and inflation have a positive significant effect on equity mutual funds performance in Indonesia, while the covid-19 cases has no significant effect on equity mutual fund performance."

"Penelitian ini bertujuan menganalisis pengaruh aktivitas ekonomi regional melalui banyaknya perusahaan terhadap pariwisata domestik pada masa pandemi COVID-19, dengan memperhitungkan hubungan spasial antar provinsi di Indonesia. Analisis spasisal dilakukan dengan menggunakan Moran’s I test dan Spatial Durbin Model. Hasil penghitungan nilai Moran’s I signifikan positif, menunjukkan bahwa terdapat keterkaitan kunjungan wisnus antar provinsi. Variabel utama usaha dan kepadatan berpengaruh signifikan negatif, sedangkan variabel tenaga kerja berpengaruh signifikan positif terhadap jumlah kunjungan wisnus di suatu provinsi. Hasil penelitian menunjukkan bahwa daerah dengan aktivitas ekonomi regional tinggi kurang diminati wisatawan nusantara (wisnus) pada masa pandemi Covid-19 di Indonesia. Selain itu, faktor-faktor lain yang mempengaruhi pariwisata domestik adalah tenaga kerja dan kepadatan penduduk.

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This study aims to investigate the how the regional economic activity measured as the agglomeration of companies affects domestic tourism during the Covid-19 pandemic, taking into account the spatial relationship between provinces in Indonesia. Spatial analysis was carried out using Moran’s I test and Spatial Durbin Model. The value of Moran’s I significantly positive, indicating that there is a link of tourists visits between provinces. The main variables of companies and density have a significant negative, while the labor variable has a significant positive on the number of domestic tourist visiting in a province. The results confirm that areas with high regional economic activity were less attractive to domestic tourist during the Covid-19 pandemic in Indonesia. In addition, other factors that affect domestic tourism are labor and population density."

"COVID-19 menyebabkan berkurangnya interaksi individu yang dapat memunculkan kesepian. Dengan demikian, kesepian perlu diatasi dengan welas diri yang telah ditemukan pengaruhnya terhadap kesepian pada penelitian terdahulu. Namun, pengaruh welas diri terhadap kesepian perlu diuji kembali dengan mengontrol variabel gender karena terdapat penelitian serupa yang menemukan adanya kemungkinan bias gender dalam hasil yang ditemukan terkait pengaruh welas diri terhadap kesepian. Meta analisis juga menunjukkan adanya hubungan gender dengan welas diri maupun kesepian. Penelitian ini dilakukan untuk menguji peran welas diri terhadap kesepian setelah mengontrol variabel gender pada dewasa muda Indonesia pada masa pandemi COVID-19. Penelitian kuantitatif ini melibatkan 474 partisipan dengan kriteria laki-laki atau wanita minimal berpendidikan lulusan SMA/sederajat berdomisili Indonesia dan berusia 20 hingga 40 tahun. Pengukuran kesepian dilakukan dengan alat ukur UCLA Loneliness Scale (version 3) oleh Russell (1996) dan pengukuran welas diri menggunakan alat ukur Self-Compassion Scale (Neff, 2003). Hasil penelitian menunjukkan bahwa welas diri secara umum memengaruhi kesepian secara negatif dan signifikan (b = -10,104, SE = 0,638, p = 0,000). Pengaruh negatif dan signifikan welas diri terhadap kesepian berkontribusi sebesar 34,3% setelah mengontrol variabel gender. Berdasarkan hasil tersebut dapat disimpulkan bahwa makin tinggi tingkat welas diri yang dimiliki individu, akan makin rendah tingkat kesepian pada individu tersebut. Dengan demikian, penyebaran informasi terkait welas diri masih perlu dilakukan sebagai salah satu upaya mengurangi tingkat kesepian.

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COVID-19 causes reduction in individual interactions which can lead to the feelings of loneliness. Thus, loneliness needs to be overcomed by self-compassion which has been found to have an effect on loneliness in previous studies. However, the effect of self-compassion on loneliness needs to be re-examined with addition of control for the gender variable due to a possible gender bias in the results that have been found in similar studies regarding the effect of self-compassion on loneliness. Meta-analysis also shows a gender relationship with self-compassion and loneliness This study was conducted to examine the role of self-compassion on loneliness after controlling for gender variables in young Indonesian adults during the COVID-19 pandemic. This quantitative study involved 474 participants with the criteria of being male or female, at least having a high school graduate/equivalent, domiciled in Indonesia and aged 20-40 years. Loneliness was measured using the UCLA Loneliness Scale (version 3) by Russell (1996) and self-compassion was measured using the Self-Compassion Scale (Neff, 2003). The results showed that self-compassion generally negatively and significantly affected loneliness (b = -10.104, SE = 0.638, p = 0.000). The negative and significant effect of self-compassion on loneliness contributed 34.3% after controlling for the gender variable. Based on these results, it can be concluded that the higher the level of self-compassion an individual has, the lower the level of loneliness in that individual will be. Thus, the socialization of information related to self-compassion still needs to be done as an effort to reduce the level of loneliness."

"Dislipidemia merupakan salah satu faktor risiko utama penyakit kardiovaskular. Menurut Riskesdas 2018, prevalensi dislipidemia di Indonesia tergolong tinggi. Data terkait penduduk Indonesia berumur ≥15 tahun menunjukkan bahwa 28,8% memiliki kadar kolesterol total ≥200mg/dL, 24,3% memiliki kadar HDL ≤40mg/dL, 73,8% memiliki kadar LDL ≥100mg/dL, dan 27,9% memiliki kadar trigliserida ≥150mg/dL. Perilaku sedenter seperti duduk sering dihubungkan dengan kejadian dislipidemia. Selama masa pandemi, durasi duduk pada pekerja meningkat akibat kebijakan WFH. Penelitian ini bertujuan untuk mengetahui pengaruh durasi duduk harian terhadap profil lipid pada pekerja di masa pandemi COVID-19. Penelitian ini menggunakan desain potong lintang dengan data sekunder hasil pengisian kuesioner dan pemeriksaan kesehatan dari kegiatan Posbindu PTM pada pekerja di salah satu institusi pendidikan negeri di DKI Jakarta. Subjek penelitian berjumlah 295 pekerja berusia 21–58 tahun yang terdiri dari 114 laki-laki dan 181 perempuan. Hasil analisis bivariat menunjukkan bahwa durasi duduk harian, jenis kelamin, usia, dan IMT memiliki hubungan signifikan dengan profil lipid (berturut-turut p=0,010, p=0,000, p=0,000, p=0,027). Hasil analisis multivariat regresi linear berganda menunjukkan bahwa variabel yang paling berpengaruh terhadap profil lipid adalah jenis kelamin (p=0,000) dan usia (p=0,002). Dengan demikian, dapat disimpulkan bahwa durasi duduk harian tidak berpengaruh terhadap profil lipid pada pekerja di masa pandemi COVID-19.

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Dyslipidemia is one of the main risk factors of cardiovascular disease. According to Riskesdas 2018, the prevalence of dyslipidemia in Indonesia is relatively high. Data regarding Indonesian population aged ≥15 years showed that 28,8% had total cholesterol level ≥200mg/dL, 24,3% had HDL-C level ≤40mg/dL, 73,8% had LDL-C level ≥100mg/dL, dan 27,9% had triglyceride level ≥150mg/dL. Sedentary behavior like sitting is widely associated with dyslipidemia. During the pandemic, there is an increase in sitting time of workers due to WFH policy. This study aims to determine the effect of daily sitting time on lipid profile of workers during the COVID-19 pandemic. This study used a cross-sectional design using secondary data obtained through questionnaires and health assessments from PTM Posbindu activities for workers at one of public educational institutions in DKI Jakarta. The subjects of this research were 295 workers aged 21–58 years consisting of 114 men and 181 women. The results of bivariate analysis showed that daily sitting time, gender, age, and BMI had a significant association with lipid profile (p=0.010, p=0.000, p=0.000, p=0.027 respectively). The results of multivariate linear regression analysis showed that the most influential variables on lipid profile were gender (p=0.000) and age (p=0.002). Thus, it can be concluded that daily sitting time has no effect on the lipid profile of workers during the COVID-19 pandemic."

"Pandemi Covid-19 yang menimbulkan kehawatiran secara global tidak hanya di Indonesia namun juga diseluruh dunia. Hal ini akibat virus corona yang mudah menyebar secara cepat terutama di akhir tahun 2019 yang menimbulkan kontaminasi cukup tinggi dan berdampak terhadap fenomena perubahan perilaku konsumen. Untuk mengatasi dampak dari Covid-19 itu sendiri, pelaku bisnis berupaya membuat terobosan dengan menu online yang menawarkan produk usaha mereka namun berpegang pada protocol kesehatan dengan meminimalisir risiko Covid-19, efek kontaminasi dan hygiene terhadap sentuhan produk yang ditawarkan untuk menarik minat beli konsumen. Tujuan dari penelitian ini adalah menganalisis pengaruh dari stimulus yang terdapat pada menu online terhadap keinginan membeli konsumen dan kaitannya dengan kontaminasi dimasa pandemi. Penelitian ini dilakukan pada industry makanan dan minuman di Indonesia dengan menggunakan model Stimulus Organism Response melalui metode penelitian kuantitatif dengan pendekatan confirmatory. Teknik pengumpulan melaui purposive sampling sebanyak 357 responden. Subjek penelitian adalah konsumen yang mengunjungi restoran dan melihat layanan menu online pada restoran selama pandemi. Berdasarkan hasil penelitian, dapat disimpulkan bahwa perception of covid-19 risk, hygiene, ease of app use, menu visual appeal, dan menu informativeness sebagai stimulus serta perceived uncontamination, perceived convenience dan desire for food sebagai organism yang menjadi pertimbangan konsumen akan purchase intention sebagai response. Diharapkan penelitian ini dapat mengungkapkan bahwa yang mempengaruhi orang sekarang itu bukan hanya kecanggihan, tapi lebih memperhatikan hygiene dan kontaminasi.

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The Covid-19 pandemic is causing global concern, not only in Indonesia but also throughout the world. This is due to the corona virus which spreads quickly, especially at the end of 2019 which causes quite high contamination. The perceived impact also highlights the phenomenon of changes in consumer behaviour. To overcome the impact of Covid-19 itself, marketer is trying to make breakthroughs with online menus that offer their business products but adhere to the health protocol by minimizing the risk of Covid- 19, the effects of contamination and hygiene on the touch of the products offered to attract consumer buying interest. The purpose of this study is to analyse the effect of online menu which used in businesses circumstances in restaurants by analysing the influence of the stimulus covid-19 risk, hygiene through perceived contamination, ease of app use through on perceived convenience and menu visual appeal and informativeness that effect desire for food to the consumer's purchase intention. This research was conducted in the food and beverage industry in Indonesia using the Stimulus Organism Response model through quantitative research methods with confirmatory research. Data collection techniques by electronic survey with convenience sampling technique as many as 357 respondents which consumers who shop for food using online menu at restaurants, especially during the pandemic. Based on the results of the study, it can be concluded that perception of covid-19 risk, hygiene, perceived contamination, perceived convenience, and desire for food are considered by consumers in their buying interest in food (purchase intention)."

"Penelitian ini bertujuan untuk melihat pengaruh dari risiko kredit dan risiko likuiditas terhadap profitabilitas perbankan pada masa pandemi COVID-19 pada periode penelitian tahun 2018-2021 dengan sampel penelitian 35 bank yang terdaftar di Bursa Efek Indonesia. Penelitian ini menggunakan metode analisis linier berganda dan uji parsial (uji-t) dengan rasio ROA, ROE, dan NIM sebagai variabel dependen, kemudian risiko kredit (NPL) dan risiko likuiditas (LDR) sebagai variabel independen dan rasio Equity to Asset, dan Diversification sebagai variabel kontrol. Hasil penelitian menunjukkan bahwa pada saat sebelum dan selama pandemi, risiko kredit (NPL) berpengaruh negatif dan signifikan terhadap profitabilitas perbankan, kemudian risiko likuiditas (LDR) berpengaruh positif dan tidak signifikan terhadap profitabilitas perbankan.

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This study aims to see the effect of credit risk and liquidity risk on banking profitability during the COVID-19 pandemic in the 2018-2021 research period with a research sample of 35 banks listed on the Indonesia Stock Exchange. This research uses multiple linear analysis methods and a partial test (t-test) with ROA, ROE, and NIM ratios as dependent variables, credit risk (NPL) and liquidity risk (LDR) as independent variables, and Equity to Asset, and Diversification ratios as control variables. The results showed that before and during the pandemic, credit risk (NPL) had a negative and significant effect on banking profitability, then liquidity risk (LDR) had a positive and insignificant effect on banking profitability."