Analisis Pengaruh Financial Technology (fintech) terhadap Kinerja Keuangan Bank Pembiayaan Rakyat Syariah (BPRS)
Date
2024Author
Sanigraha, Nisrina Kholilah
Arsyianti, Laily Dwi
Mahanani, Yekti
Metadata
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Teknologi finansial (fintech) dikenal sebagai solusi atas jumlah masyarakat yang tidak terlayani bank yang dikenal sebagai penduduk unbanked dan kategori underbanked di industri keuangan, termasuk Bank Perkreditan Rakyat Syariah (BPRS). Namun, tren peningkatan pembiayaan yang diluncurkan BPRS setelah munculnya fintech tidak selalu memberikan peningkatan kinerja keuangan BPRS. Tujuan penelitian ini adalah untuk mengidentifikasi karakteristik perusahaan fintech dan Bank Perkreditan Rakyat Syariah (BPRS), dan
enganalisis pengaruh industri fintech terhadap kinerja keuangan BPRS. Penelitian ini menggunakan metode Autoregressive Distributed Lag (ARDL). Hasil penelitian menunjukkan bahwa terdapat persamaan dan perbedaan karakteristik antara perusahaan fintech dengan juga Bank Perkreditan Rakyat Syariah (BPRS). Rasio kecukupan modal dan fintech aset berpengaruh signifikan terhadap kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS) dalam jangka pendek. Sementara dalam jangka panjang, ukuran fintech mempengaruhi kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS) Financial technology (fintech) is known as a solution to some people who
are not served by banks, or known as unbankable population and the underbanked category in the financial industry, including Islamic Rural Banks(BPRS). However, the increasing trend of financing disbursed by BPRS after the emergence of fintech does not always provide an improvement in the financial performance of BPRS. The purpose of this study is to identify the characteristics of fintech companies and Islamic Rural Banks (BPRS), and analyze the effect of the fintech industry on the financial performance of Islamic Rural Banks. This study used the Autoregressive Distributed Lag (ARDL) as the method. The results showed that there are similarities and differences in the characteristics between fintech companies and also Islamic Rural Banks (BPRS). Capital adequacy ratio and the fintech asset significantly affect the financial performance of the Islamic Rural Bank (BPRS) in the short term. While in the long term, the fintech asset affects the financial performance of the Islamic Rural Bank (BPRS)
Collections
- UT - Syariah Economic [452]