ABSTRACT
The Covid-19 pandemic that has been going on for more than 1 year has shaken the economy. Various efforts have been made by the government to reduce the impact of systematic transmission of the virus. The biggest effort made is through community activity policies that have an impact on decreasing income. This decline in public income had a significant impact on the country's economic income and also caused turmoil in the banking world due to the government providing credit relaxation which disrupted the sustainability of banking financing. This study seeks to unravel the impact of the relaxation of credit payments on the internal conditions of banking. In this study, samples were taken of the 10 largest banks in Indonesia in terms of assets, both BUMN and non-BUMN, by testing using path analysis with the help of the Warp PLS software application.
