Pengaruh Faktor Internal, Eksternal, Dan Layanan Transaksi Digital Bank Terhadap Profitabilitas

Abstract

One of the important factors for banking is financial service providers who describe the bank to perform performance as measured by profitability. Factors that cause changes in bank profitability can be seen from internal factors as well as external factors as well as the application of technology. This study aims to analyze, test, and prove the effect of CAR, NPL, LDR, BOPO, company size, inflation, economic growth, internet banking transactions, and mobile banking transactions on the profitability of commercial banks listed on the Indonesia Stock Exchange in 2015-2019. This study uses quantitative methods with secondary data obtained through bank financial reports available on the IDX and the website of the Badan Pusat Satistik (BPS) related to inflation and economic growth data. Determination of the sample using purposive sampling technique in order to obtain 6 commercial banks to be researched. Technical analysis of the data using multiple linear regression. The results showed that CAR has a significant positive effect on profitability, while BOPO, economic growth, and mobile banking transactions have a significant effect on profitability. However, NPL, LDR, company size, inflation, and internet banking transactions have no effect on profitability.
 Keywords: Internet banking; mobile banking; profitability

Comparative Analysis of Banking Financial Performance Before and After Implementation of Financial Technology (FinTech)

“…This study is in line with research conducted by Chairizky [23] and Anastasia & Munari [24] which stated that the LDR ratio variable showed no significant effect on banking financial performance after collaborating with Start-Up Fintech. Marked by the increase in LDR which resulted in lower liquidity of the Bank.…”

“…Which can affect banking profits. However, contrary to the research of Anastasia & Munari [24], Stevani & Sudirgo [18], and Saputra et al, [31] stated that NPL had no significant effect after collaborating with Fintech.…”

Pengaruh Mobile Banking, Internet Banking, Non Performing Loan Dan Biaya Operasional Pendapatan Operasional Terhadap Profitabilitas Return on Asset Bank Pada Perusahaan Perbankan Yang Terdaftar Di Bei Tahun 2017 – 2021

“…Profitabilitas dapat tumbuh lebih cepat ketika Non Performing Loan Ratio lebih rendah. Penelitian (Anastasia & Munari, 2021) mengungkapkan bahwa nilai Non Performing Loan yang signifikan akan mengambarkan jumlah kredit bermasalah yang akan berdampak pada tingkat profitabilitas ROA. Dapat dikatakan Non Performing Loan (NPL) memiliki dampak merugikan pada profitabilitas, sehingga risiko gagal bayar.…”

Analisis Perbedaan Rasio Profitabilitas Perbankan Sebelum Dan Sesudah Adanya Layanan Keuangan Berbasis Teknologi (Fintech)

“…Penemuan ini juga didukung oleh Phan et al, 2020 yang dalam penelitiannya menemukan bahwa pertumbuhan Fintech dapat menghalangi kinerja bank. Anastasia & Munari, (2021); Chen (2020) dan Temelkov (2020), menemukan bahwa transaksi internet/digital banking justru berpengaruh negatif terhadap profitabilitas bank dikarenakan hal tersebut hanya akan menimbulkan biaya operasional atau biaya tambahan lainnya yang lebih besar dibandingkan dengan pendapatan bank. Selanjutnya penelitian Anggreini & Singapurwoko, (2019) menemukan terdapat perbedaan sebelum dan sesudah munculnya Fintech pada rasio likuiditas dan rasio profitabilitas Bank Perkreditan Rakyat yang berpengaruh negatif signifikan sehingga disimpulkan kemunculan Fintech mempengaruhi kualitas aset dan profitabilitas BPR.…”