Murtopo, Arya Dwi Prasetyo (2024) PENGARUH PENYALURAN KREDIT, NON PERFORMING LOAN DAN CURRENT ACCOUNT-SAVING ACCOUNT (CASA) RASIO TERHADAP PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BURSA EFEK INDONESIA. Masters thesis, Universitas Tarumanagara.
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Abstract
Kemajuan teknologi menghadirkan pembaruan dalam proses bisnis dan layanan bank di Indonesia, yakni dengan lahirnya bank yang memberikan pelayanan berbasis digital kepada nasabah atau disebut Bank Digital. Perkembangan ekosistem bank digital ini didukung oleh kondisi perekonomian yang telah pulih pasca pandemi COVID berakhir. Transformasi digital tentunya mendorong munculnya beberapa Bank Digital yang menjadi Game Changer dalam bisnis jasa keuangan dengan menawarkan kemudahan dalam produk dan layanan digital. Sejumlah Bank Digital berhasil menjadi perusahaan publik, mencatat pertumbuhan kredit, mengelola rasio kredit macet, meningkatkan pertumbuhan dana pihak ketiga terutama untuk produk tabungan online melalui produk digital perbankan yang ditawarkan serta meningkatkan rasio profitabilitas. Tujuan penelitian ini adalah untuk mengetahui pengaruh Penyaluran Kredit, Rasio NPL dan Rasio CASA (Current Account-Saving Account) terhadap Profitabilitas yang diukur melalui rasio Return on Asset (ROA) Bank Digital yang telah melantai di Bursa Efek Indonesia untuk tahun penelitian 2018-2024. Data populasi yang digunakan berupa Bank Digital yang telah go-public dan sampel berupa Bank Digital yang masuk dalam kategori Kelompok Bank berdasarkan Modal Inti 1 dan 2. Data sekunder untuk penelitian ini yaitu laporan triwulanan dan tahunan bank yang tersedia dalam laman resmi Bursa Efek Indonesia dan Otoritas Jasa Keuangan. Kata Kunci: Bank Digital; Kredit; Non Performing Loan; CASA; ROA Technological advances have brought updates to business processes and banking services in Indonesia, namely the birth of banks that provide digital-based services to customers or called Digital Banks. The development of this digital banking ecosystem is supported by the economic conditions that have recovered after COVID pandemic ended. Digital transformation has certainly encouraged the emergence of several Digital Banks that have become Game Changers in the financial services business by offering convenience in digital products and services. A number of Digital Banks have succeeded in becoming public companies, recording credit growth, managing the nonperforming loan ratio, increasing the growth of third-party funds, especially for online savings products through the digital banking products offered, and increasing the profitability ratio. Objective of this research is to determine the effect of Loan disbursement, NPL and CASA (Current Account-Saving Account) Ratio on the Profitability of Digital Banks listed on the Indonesia Stock Exchange for the 20182024 research year. The population data used is go-public Digital Banks and the sample is Digital Banks that are included in the Bank Group category based on Core Capital 1 and 2. Secondary data used in the research are quarterly and annual bank reports which are available on the official websites of the Indonesian Stock Exchange and the Financial Services Authority. Keywords: Digital Bank; Loan; Non Performing Loan; CASA; ROA
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | Skripsi/Tugas Akhir Skripsi/Tugas Akhir > Fakultas Ekonomi |
| Divisions: | Fakultas Ekonomi > Akuntansi |
| Depositing User: | FE Perpus |
| Date Deposited: | 05 May 2025 02:00 |
| Last Modified: | 05 May 2025 02:00 |
| URI: | http://repository.untar.ac.id/id/eprint/46505 |
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