Ativanita, Anggi Rahma and Rachmad Kresna Sakti, SE.,M.Si. (2023) Pengaruh E-Banking Dan Risk Profile Terhadap Profitabilitas Perbankan Di Indonesia. Sarjana thesis, Universitas Brawijaya.
Abstract
Kecanggihan teknologi pada era globalisasi terus mendorong perbankan untuk memberikan terobosan terbaru melalui gaya hidup modern dan kemudahan akses layanan perbankan melalui electronic banking. Dalam implementasinya, electronic banking menawarkan bebarapa layanan yang dapat digunakan oleh para nasabah diantaranya yakni mobile banking dan Anjungan Tunai Mandiri (ATM). Sejalan dengan perkembangan teknologi, kompleksitas risiko perbankan juga meningkat dari sisi kredit akibat pandemi Covid-19. Melihat kondisi ini, penelitian ini bertujuan untuk mengetahui pengaruh electronic banking dan risk profile terhadap profitabilitas perbankan di Indonesia dalam kurun waktu 5 tahun pengamatan mulai tahun 2017- 2021. Sampel penelitian terdiri dari 5 bank konvensional yang memenuhi kriteria purposive sampling dengan menggunakan metode regresi linier berganda. Sebelumnya telah dilakukan uji spesifikasi model, dengan hasil Random Effect Model (REM) sebagai model terbaik. Data yang digunakan dalam penelitian ini juga lolos terhadap uji asumsi klasik. Berdasarkan hasil regresi, jumlah ATM dan NPL berpengaruh signifikan terhadap ROA. Sedangkan mobile banking tidak berpengaruh signifikan terhadap ROA. Kata Kunci : Electronic Banking; Risk Profile; Mobile Banking; ATM; NPL ; ROA
English Abstract
Technological sophistication in the era of globalization pursues to encourage banks to provide the latest breakthroughs through modern lifestyles and ease of use to banking services through electronic banking. In its fulfillment, electronic banking offers several services which can be used by customers, including mobile banking and Automated Teller Machines (ATMs). In line with technological developments, the complexity of banking risks has also increased from a credit perspective due to the Covid-19 pandemic. Seeing this condition, this study aims to determine the effect of electronic banking and risk profiles on banking profitability in Indonesia within 5 years of observation starting in 2017-2021. The research sample consisted of 5 conventional banks which met the purposive sampling criteria using multiple linear regression methods. Previously, a model specification test was carried out, with the results of the Random Effect Model (REM) as the best model. The data used in this study also passed the classical assumption test. Based on the regression results, the number of ATMs and NPL has a significant effect on ROA. Meanwhile, mobile banking has no significant effect on ROA. Keywords : Electronic Banking; Risk Profile; Mobile Banking; ATM; NPL ; ROA
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020111 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 13 Nov 2023 07:21 |
| Last Modified: | 13 Nov 2023 07:21 |
| URI: | http://repository.ub.ac.id/id/eprint/204547 |
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Text (DALAM MASA MBARGO)
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