Determinants and Prediction Model for Rural Bank Sustainability in Indonesia Post-COVID-19

This study identifies the risk determinants that affect the sustainability of rural bank in Indonesia after the Covid-19 pandemic. Explicitly forming a rural bank sustainability prediction model. Utilizing logistic regression analysis, the research identifies seven statistically significant variables influencing rural bank sustainability. The study introduces three models, with Model 3 demonstrating the highest accuracy in predicting rural bank sustainability, both in-sample and out-of-sample. Robustness tests further validate Model 3's reliability. The findings underscore the need for rural banks to enhance their business management strategies, particularly in areas of liquidity, loan growth, and business efficiency, to ensure long-term sustainability.