The Impact of Financial Technology on Bank Financial Performance
-
Eka Julianti Efris Saputri
*
Universitas Adiwangsa Jambi, Kota Jambi,
Indonesia
- Aditya Pradana Universitas Adiwangsa Jambi, Kota Jambi, Indonesia
- Rian Fitra Apriandi Universitas Adiwangsa Jambi, Kota Jambi, Indonesia
- Haviz Taufik Universitas Adiwangsa Jambi, Kota Jambi, Indonesia (*) Corresponding Author
Abstract
This research was conducted to determine whether there is a significant influence on financial performance before and after the operation of Financial Technology (Fintech) in Jambi. The variables used in this study employed financial ratios, namely Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return Of Assets (ROA), Operational Efficiency Ratio (BOPO), and Non-Performing Loan (NPL) in banks registered with the Financial Services Authority (OJK) for the period 2015-2018. The testing methods utilized in this research include the Paired Sample T-test for normally distributed data and the Wilcoxon Sign Rank Test for non-normally distributed data. The findings of this study indicate a significant influence on the financial ratios of CAR and BOPO. Meanwhile, for the variables ROA, LDR, and NPL, there is no significant influence on the financial performance of banking companies before and after the emergence of Financial Technology (Fintech) in Jambi.
Downloads
References
Adiwijaya, A. M. (2017). A comparative study of MFCC-KNN and LPC-KNN for hijaiyyah letters pronounciation classification system. Information and Communication Technology (ICoIC7), (pp. 1-5).
Adriana, I. A. (2007). Penalaran Komputer Berbasis Kasus (Case Based Reasoning). Yogyakarta: Ardana Media.
Al-Kabi, M. N., Kanaan, G., Al-Shalabi, R., Al-Sinjilawi, S., & Al-Mustafa, R. (2005). Al-Hadith Text Classifier. Journal of Applied Sciences 5, 584-587.
all, R. D. (2012). Telinga Hidung Tenggorok Kepala dan Leher edisi ketujuh. Jakarta: FK UI.
Anastasia, & Munari. (2021). Pengaruh Faktor Internal, Eksternal, dan Layanan Transaksi Digital Bank Terhadap Profitabilitas. E-Jurnal Manajemen Vol 10 No 6.
Andina Kusumaningrum, Said Al-Faraby, & Adiwijaya. (2017). Klasifikasi Informasi, Anjuran dan Larangan pada Hadits Shahih Bukhari menggunakan Metode Support Vector Machine. e-Proceeding of Engineering, 5014.
Andini, & Nurdin. (2019). Perbandingan Kinerja Keuangan Sebelum dan Sesudah Bank Menerapkan Uang Elektronik (E-Money) Sebagai Financial Technology (Periode 2001-2017). Prosiding Manajemen ISSN: 2460-6545.
Asriyanti Indah Pratiwi, & Adiwijaya. (2018). On the Feature Selection and Classification Based on Information Gain for Document Sentiment Analysis. Applied Computational Intelligence and Soft Computing, 2018, 5. doi:https://doi.org/10.1155/2018/1407817
Bank Indonesia. (2021). Sinergi Kebijakan Untuk Menjaga Ketahanan Sistem Keuangan dan Mendorong Intermediasi Dalam Rangka Pemulihan Ekonomi. Kajian Stabilitas Keuangan No 36.
Basran, D. (2005). Analisis Faktor-faktor yang Berpengaruh terhadap Kinerja Bank Umum di Indonesia Tahun 2000-2003. Tesis Uineversitas Diponegoro.
CNBC Indonesia. (2019). Fintech Menjamur, Begini Nasib Bank Dimasa Depan.
Desiani, A., & Arhami, M. (2006). Konsep Kecerdasan Buatan (1 ed.). (D. Hardjono, Penyunt.) Yogyakarta, Indonesia: Penerbit ANDI.
Desiani, A., & Arhami, M. (2006). Konsep Kecerdasan Buatan (1 ed.). (D. Hardjono, Penyunt.) Yogyakarta, Indonesia: Penerbit ANDI.
Eliza Riviera Rachmawati Jasin, Said Al-Faraby, & Adiwijaya. (2017). Klasifikasi Anjuran, Larangan dan Informasi pada Hadis Sahih Al-Bukhari. e-Proceeding of Engineering, 4683.
Faza Akmal, S. W. (Februari 2014). SISTEM PPAKAR UNTUK MENDIAGNOSA PENYAKIT LAMBUNG DENGAN IMPLEMENTASI METODE CBR (CASE BASED REASONING) BERBASIS WEB. Jurnal Sarjana Teknik Informatika, 2 (1).
Ghazali. (2011). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 19 Jilid 5. Semarang: Semarang: BP UNDIP.
Harrag, F., & El-Qawasmah, E. (2009). Neural Network for Arabic Text Classification. 2009 Second International Conference on the Applications of Digital Information and Web Technologies, 778-783.
Haza Nuzly Abdull Hamed, Siti Mariyam Shamsuddin, & Naomie Salim. (2008). Particle Swarm Optimization For Neural Network Learning Enchancement. Jurnal Teknologi, 13-26.
Kusrini. (2006). Sistem Pakar Teori dan Aplikasi (1 ed.). (f. Suyantoro, Penyunt.) Yogyakarta, Indonesia: Penerbit ANDI.
Laporan Survei Internet Asosiasi Penyelenggara Jasa Internet Indonesia (APJII) 2019-2020. (2020). Dalam A. P. Indonesia. APJII.
M.L. Zhang, & Z. H. Zhou. (2006). Multilabel neural networks with applications to functional genomics and text. IEEE transactions on Knowledge and Data Engineering, 1338-1351.
Mar'atusholihah, & Karyani. (2021). Dampak Financial Technology Terhadap Kinerja Bank Umum Konvensional di indonesi. Jurnal Pemikira Masyarakat Ilmiah Berwawasan Agribisnis.
Nurcahyo, S. a. (2014). Rainfall Prediction in Kemayoran Jakarta Using Hybrid Genetic Algorithm (GA) and Partially Connected Feedforward Neural Network (PCFNN). Information and Communication Technology (ICoICT), (pp. 166-171).
Otoritas Jasa Keuangan. (2020, Oktober 01). Buletin Riset Kebijakan Perbankan (BRKP).
Peraturan Bank Indonesia Nomor 19/12/PBI/2017. (2017). Penyelenggaraan Teknologi Finansial. Jakarta.
Peraturn Bank Indonesia Nomor 18/40/PBI/206. (2016). Penyelenggaraan Pemrosesan Transaksi Pembayaran. Jakarta.
Raharjo, B. (2021). Fintech Teknologi Finansial Perbankan Digital. Semarang: Yayasan Prima Agus Teknik.
Raharjo, J. S. (2013). Model Artificial Neural Network berbasis Particle Swarm Optimization untuk Prediksi Laju Inflasi. Sistem Komputer.
Reynaldi Ananda Pane, M. S. (2018). A Multi-lable Classification on Topics of Quranic Verses in English Translation using Multinomial Naive Bayes. 6th International Conference on Information and Communication Technology (ICoICT).
Suharti, & Ardiansyah. (2020). Dampak Fintech Terhadap Kinerja Keuangan (Studi pada BPR di Provinsi Banten). Prosiding Simposium Nasional Multidisiplin.
T.Sutojo, E. M. (2011). Kecerdasan Buatan. Yogyakarta: Andi.
Undang-undang (UU) Nomor 10 Tahun 1998. (1998). Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan. Jakarta.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel The Impact of Financial Technology on Bank Financial Performance
Pages: 607-612
Copyright (c) 2024 Eka Julianti Efris Saputri, Aditya Pradana, Rian Fitra Apriandi, Haviz Taufik
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
