PENGARUH DIGITALISASI TERHADAP NON PERFORMING LOAN DAN FEE BASED INCOME PERBANKAN (STUDI EMPIRIS PADA BANK UMUM YANG TERDAFTAR DI BEI TAHUN 2018-2022)

Muhammad , Zaid Alkahfi (2024) PENGARUH DIGITALISASI TERHADAP NON PERFORMING LOAN DAN FEE BASED INCOME PERBANKAN (STUDI EMPIRIS PADA BANK UMUM YANG TERDAFTAR DI BEI TAHUN 2018-2022). Masters thesis, UNIVERSITAS LAMPUNG.

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Abstrak (Berisi Bastraknya saja, Judul dan Nama Tidak Boleh di Masukan)

This study aims to examine the effect of digitalisation on non-performing loans and banking fee-based income. This test uses SPSS version 26 which is carried out both simultaneously and partially. The population in this study were commercial banks listed on the Indonesia Stock Exchange (IDX) during 2018-2022 with a total sample of 52 companies. This study uses multiple regression analysis as an analysis method. The results of this study indicate that simultaneously mobile banking transactions and information technology investment have a significant effect on the level of non-performing loans and fee-based income. Partially, mobile banking transactions have a significant negative effect on non-performing loans, but investment in technology and information has no effect on non-performing loans. In addition, mobile banking transactions and investment in technology and information have a significant positive effect on fee-based income. Keywords: Mobile Banking, Investment in Technology and Information, Non Performing Loan, Fee Based Income. Penelitian ini bertujuan untuk menguji pengaruh digitalisasi terhadap non performing loan dan fee based income perbankan. Pengujian ini menggunakan SPSS versi 26 yang dilakukan baik secara simultan maupun secara parsial. Populasi dalam penelitian ini adalah bank umum yang terdaftar di Bursa Efek Indonesia (BEI) selama tahun 2018-2022 dengan total sampel sebanyak 52 perusahaan. Penelitian ini menggunakan analisis regresi berganda sebagai metode analisis. Hasil penelitian ini menunjukkan bahwa secara simultan transaksi mobile banking dan investasi teknologi informasi memiliki pengaruh yang signifikan terhadap tingkat non performing loan dan fee based income. Secara parsial, transaksi mobile banking berpengaruh negatif secara signifikan terhadap non performing loan, namun investasi teknologi dan informasi tidak memiliki pengaruh terhadap non performing loan. Selain itu, transaksi mobile banking serta investasi teknologi dan informasi memiliki pengaruh positif secara signifikan terhadap fee based income. Kata Kunci: Mobile Banking, Investasi Teknologi dan Informasi, Non Performing Loan, Fee Based Income.

Jenis Karya Akhir: Tesis (Masters)
Subyek: 300 Ilmu sosial
300 Ilmu sosial > 330 Ekonomi
Program Studi: Fakultas Ekonomi dan Bisnis > Magister Ilmu Akuntansi S2
Pengguna Deposit: . . Yulianti
Date Deposited: 19 Feb 2025 06:40
Terakhir diubah: 19 Feb 2025 06:40
URI: http://digilib.unila.ac.id/id/eprint/84573

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