Influence of business profit, corporate governance and risk profile on the profitability of bri sharia bank

With the increase in Covid-19 cases since March 2020, the Indonesian government has taken several actions to break the chain of the corona virus by implementing PSBB (Large-Scale Social Restrictions), namely by closing schools, limiting employees who work, closing places that are otherwise not so. This condition makes many people lose their jobs and has an impact on people’s finances. This policy raises concerns in the banking industry because it will experience a liquidity crunch and cause a crisis in the banking sector. BRI Syariah Bank experienced fluctuations in the development of profits and assets as in March 2020 there was a decrease from profit which was originally 603.15 billion to 214.01 billion and increased again in the second quarter or in June 2020, which was 266.64 billion. The purpose of the study was to determine the effect of operating profit, corporate governance and risk profile on the profitability of BRI Syariah Bank in 2018-2021.This type of research uses library research. The data is obtained from the documentation website www.brisyariah.co.id. with a quantitative approach and the phenomenon of the Covid-19 pandemic. The data used in this study is the financial performance of the BRI Syariah bank for the 2018-2021 period. The analytical technique used is multiple linear regression analysis, then processed with the help of an SPSS analytical tool.The development of Return on Assets (ROA) with an average of 1.7463, the average development of Good Corporate Governance is 1.7539, the NPF position is above with an average NPF value of 1.5974 percent, the LDR position is above the average value the average is 87.4606, and the average ROE is 5.2881. This value still has a good ability to manage earning assets to generate net interest income, which indicates that the increase in interest income is greater than the increase in interest expense so that profits will increase. The results of this study are (1) Return on Assets has a significant effect on the profitability of BRI Syariah Bank. (2) Good Corporate Governance has no effect on the profitability of BRI Syariah Bank. (3) Non- Performing Financing has a significant effect on the profitability of BRI Syariah Bank. (4) Financing to Deposit Ratio does not affect the profitability of BRI Syariah Bank.