Pengaruh Perkembangan Fintech, Kinerja Internal dan Faktor Makro Ekonomi terhadap Profitabilitas Bank Umum Syariah

Ardiany, Monika (2020) Pengaruh Perkembangan Fintech, Kinerja Internal dan Faktor Makro Ekonomi terhadap Profitabilitas Bank Umum Syariah. Masters thesis, IPB University.

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Official URL: https://sb.ipb.ac.id

Abstract

A new era of financial services company with the development of digital technology. The development of Fintech in Indonesia through OJK data (2019) related to the accumulation of peer to peer lending transactions from 2017 to 2018 grew by 785 percent or as much as 22.6 trillion rupiah. This development is very rapid, this condition is very different from the growth of Islamic commercial banks which have increased stagnant and even their growth has been slowing from 2017 to 2018 both in terms of asset growth, DPK growth and financing distribution growth. This study tries to look at the factors that influence the profitability of Islamic banks. Using ROA as a measure of profitability and independent variabels consisting of internal performance, macroeconomic factors and Fintech development by using peer to peer lending transaction data collection This study uses descriptive data analysis and panel data analysis from 10 sharia commercial banks in the 2017-2019 period. ROA of Private Sharia Commercial Banks is higher than the average ROA of Sharia Commercial Banks of BUMN, in addition to ROA of Sharia Commercial Banks of BUMN, in addition to ROA of Sharia Commercial Banks of BUMN. Based on the results of panel data testing using e-views 9 software, it shows that BOPO, exchange rate growth and Fintech Development affect negatively, whereas in Sharia commercial bank testing BOPO, FDR, Assets to be deposited, BI rate negative towards bank ROA and development of Fintech . The development of Fintech has a positive effect on ROA of private Islamic banks.

Item Type: Thesis (Masters)
Uncontrolled Keywords: faktor makro ekonomi, fintech, kinerja internal, profitabilitas fintech, macroeconomic factors, internal performance, profitability.
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 25 Jan 2022 07:21
Last Modified: 25 Jan 2022 07:21
URI: http://repository.sb.ipb.ac.id/id/eprint/3779

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