BEHAVIOR ANALYSIS OF SAVINGS BETWEEN PRE-COVID19 ERA AND DURING COVID-19 ERA

Abstract

Savings is the portion of income not spent on current expenditures, savings should help an individual or family become financially secure. The existence of the Covid-19 Pandemic, limits the economic activities of the community and exacerbates economic development, which has an impact on reducing the income level of an individual or family. This condition requires a study that can identify, analyze, and provide solutions to the behavioral changes that occur. This study aims to identify changes in people's saving behavior before the covid19 pandemic occurred and temporarily occurred. This study uses a quantitative approach. Secondary data collected from Annual Reports of banks, data on customer deposits during 2009-2020 is analyzed in Panel Data Regression and Multiple Linear Regression, with the sample of 45 banks listed in the Indonesia Stock Exchange (IDX). The results of this study revealed Savings, and Operational Expense Ratio to Operational Income, partially and simultaneously have a positive and significant effect on Return on Assets.