RETRACTED The Impact of The Financial Services Authority Regulation on Banking Credit Quality in Improving Indonesia’s Economy During COVID-19 Pandemic: The Critical Thinking Analysis Christanto Arief Wahyudi1, Evi Aryati Arbay2*, Lusita Astuti Nusantari2 and Lusita Astuti Nusantari2 Abstract The impact of Covid-19 has impacted the asset quality and profitability of the