Siagian, Kevin Adriel and Dr. Dra. Asfi Manzilati, (2022) Analisis Perbandingan Kinerja Keuangan Sebelum dan Sesudah Penerapan Mobile Banking (Studi pada PT Bank Negara Indonesia (Persero), Tbk). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk mengetahui perbedaan kinerja keuangan Bank Negara Indonesia sebelum dan sesudah penerapan Mobile Banking. Periode penelitian ini adalah enam tahun sebelum (2010 – 2015) dan enam tahun setelah (2016 – 2021) implementasi Mobile Banking. Analisis kinerja keuangan dilihat dari aspek permodalan (KPMM), aset produktif (NPL), profitabilitas (ROA), efisiensi biaya (BOPO), dan likuiditas (LDR). Uji normalitas menunjukkan bahwa CAR dan NPL diuji menggunakan Paired sample t-test. Sedangkan ROA, BOPO, dan LDR diuji menggunakan Wilcoxon signed-rank test. SPSS 25 digunakan sebagai alat penelitian. Hasil penelitian menunjukkan BOPO tidak berbeda sebelum dan sesudah penerapan Mobile Banking. Pada NPL terjadi penurunan setelah penerapan Mobile Banking namun tidak menunjukkan perbedaan yang signifikan. Terdapat perbedaan kinerja keuangan dan peningkatan CAR dan LDR. Namun, penurunan ROA yang signifikan disebabkan oleh tingginya biaya pengembangan Mobile Banking dan periode penelitian yang singkat. Penelitian ini merekomendasikan agar perusahaan perbankankhususnya Bank Negara Indonesia mendorong aktivasi Mobile Banking. Masalahkeamanan sangat penting bagi sektor publik dan perbankan. Penerapan keamanan siber yang proaktif, harmonisasi kebijakan, dan peningkatan kewaspadaan terhadap serangan siber menjaga kerahasiaan perbankan
English Abstract
The purpose of this study is to identify financial performance differences of Bank Negara Indonesia before and after the application of Mobile Banking. This research period is six years before (2010 – 2015) and six years after (2016 – 2021) implementation of Mobile Banking. Financial performance was analyzed from the aspects of capital (CAR), productive assets (NPL), profitability (ROA), efficiency cost (OER), and liquidity (LDR). Normality test showed that CAR and NPL was tested using Paired sample t-test. Meanwhile ROA, OER, and LDR were tested using Wilcoxon signed-rank test. SPSS 25 was used for data processing. This study finds that OER does not show difference in financial performance before and after application of Mobile Banking. In NPL, there’s a slightly decreased after Mobile Banking application, considered as insignificant. CAR and LDR indicate an increase in financial performance. ROA significantly decreased after the application, which caused by high cost of application development and short period of the research. This study recommends banking companies, particularly Bank Negara Indonesia, to promote activation of Mobile Banking. Furthermore, security issues are crucial for both public and banks. Implementing proactive cybersecurity, policy harmonization, and increasing people awareness concerning cyberattack can serve protection for both banks and customers.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0522020238 |
| Uncontrolled Keywords: | mobile banking, kinerja keuangan, KPMM, NPL, ROA, BOPO, LDR, mobile banking, financial performance, CAR, NPL, ROA, OER, L |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 01 Feb 2023 04:39 |
| Last Modified: | 01 Feb 2023 04:39 |
| URI: | http://repository.ub.ac.id/id/eprint/197214 |
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