title: PENGARUH FINANCIAL TECHNOLOGY TERHADAP KINERJA KEUANGAN PERBANKAN KONVENSIONAL YANG TER DAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2017-2021
creator: Salma, Indrianti
subject: 330 Ekonomi
description: The application of financial technology (fintech) in the banking industry aims to enable  banks  to  support  innovation  in  the  provision  of  digital  services  to encourage financial inclusion and  public access to  financial services.  Fintech banking  services  in  this study were measured  using  mobile banking,  internet banking, and SMS banking. Meanwhile, banking financial performance is measured using return on assets (ROA), return on equity (ROE), and net interest margin (NIM). In  this study,  a control variable was used, namely the capital adequacy ratio (CAR). However, there are several issues related to the use of fintech services that have the potential to have an impact on banking financial performance. This research uses a sample of all conventional banks that have implemented  fintech  services and  are listed  on  the Indonesia  Stock Exchange (IDX) in  2017-2021.  The sample method  used  is purposive sampling  with  an analysis method, namely multiple linear regression. Based on the existing sample method, a sample of 20 banks was obtained so  that the total sample was 100 observations  in  a  five -year  period.  The  results  of  multiple  linear  regression analysis of ROA show that mobile banking does not have a positive effect on ROA, while internet banking, SMS banking, and CAR have a significant positive effect on ROA. The results of multiple linear regression  analysis of ROE show that mobile banking, internet banking, SMS banking, and CAR do not have a positive effect on ROE. And the results of multiple linear regression analysis of NIM show that  mobile  banking  does  not  have  a  positive  effect  on  NIM,  while  internet banking, SMS banking, and CAR have a significant positive effect on NIM.    Keywords: Financial Technology (fintech), Mobile Banking, Internet Banking, SMS Banking, Return on Asset (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Financial Performance.       Penerapan  financial technology  (fintech)  di industri perbankan  bertujuan  agar bank   dapat   mendukung   inovasi   dalam   penyediaan   layanan   digital   guna mendorong inklusi keuangan dan akses masyarakat terhadap layanan keuangan. Layanan fintech perbankan pada penelitian ini diukur menggunakan mobile banking, internet banking, dan SMS banking. Sedangkan kinerja keuangan perbankan diukur menggunakan return on asset (ROA), return on equity (ROE), dan net interest margin (NIM). Dalam penelitian ini digunakan variabel kontrol yaitu capital adequacy ratio (CAR). Namun, terdapat beberapa isu terkait penggunaan layanan fintech yang berpotensi memiliki dampak pada kinerja keuangan perbankan. Penelitian ini menggunakan sampel seluruh perbankan konvensional yang telah menerapkan layanan fintech dan terdaftar di Bursa Efek Indonesia (BEI) tahun 2017-2021. Metode sampel yang digunakan adalah purposive sampling dengan metode analisis yaitu regresi linear berganda. Berdasarkan metode sampel yang ada, didapatkan sampel 20 perbankan sehingga total sampel sebanyak 100 observasi pada periode lima tahun. Hasil dari analisis regresi linear berganda terhadap ROA menunjukkan mobile banking tidak berpengaruh positif terhadap ROA, sedangkan internet banking, SMS banking, dan  CAR  berpengaruh  positif  signifikan  terhadap ROA. Hasil analisis regresi linear berganda terhadap ROE menunjukkan bahwa mobile banking, internet banking, SMS banking, dan CAR tidak berpengaruh positif terhadap ROE. Dan hasil analisis regresi linear be rganda terhadap NIM menunjukkan bahwa mobile banking  tidak  berpengaruh  positif  terhadap  NIM,  sedangkan  internet banking, SMS banking, dan CAR berpengaruh positif signifikan terhadap NIM.    Kata Kunci : Financial Technology (fintech), Mobile Banking, Internet Banking, SMS  Banking,  Return  on  Asset (ROA),  Return  on  Equity (ROE),  Net Interest Margin (NIM), Kinerja Keuangan.  
publisher: FAKULTAS EKONOMI DAN BISNIS
date: 2023-07-27
type: Skripsi
type: NonPeerReviewed
format: text
identifier: http://digilib.unila.ac.id/75894/1/ABSTRAK.pdf
format: text
identifier: http://digilib.unila.ac.id/75894/2/SKRIPSI%20FULL.pdf
format: text
identifier: http://digilib.unila.ac.id/75894/3/SKRIPSI%20TANPA%20PEMBAHASAN.pdf
identifier:   Salma, Indrianti  (2023) PENGARUH FINANCIAL TECHNOLOGY TERHADAP KINERJA KEUANGAN PERBANKAN KONVENSIONAL YANG TER DAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2017-2021.  FAKULTAS EKONOMI DAN BISNIS, UNIVERSITAS LAMPUNG.     
relation: http://digilib.unila.ac.id/75894/