Nugroho, Handhika Pandji (2023) ANALISIS PERBEDAAN KINERJA KEUANGAN PERBANKAN SYARIAH SEBELUM DAN SESUDAH BEKERJASAMA DENGAN PERUSAHAAN FINANCIAL TECHNOLOGY (FINTECH) PERIODE 2015 – 2021 (Studi Kasus Bank BRI Syariah, Bank Mega Syariah, Bank BCA Syariah, Bank Muamalat). S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
Fintech is currently very competitive with banks in terms of providing financing. As an online platform, fintech has the same market as banks, but has a competitive advantage over banks, namely by targeting segments that are not affordable by banks. The purpose of this study was to determine the difference in ROA, ROE, NIM, BOPO, CAR and FDR. This type of research is a type of quantitative research. While the sample used is 4 companies and the data source is secondary data. The data collection techniques used are the documentation method and the data analysis method using SPSS v25 and Microsoft Excel 2010 software. There are no differences, namely ROA of Bank BCA Syariah 0.662, ROE of Bank Muamalat 0.374 and Bank BCA Syariah 0.701, NIM of Bank BCA Syariah 0.589, BOPO Bank Muamalat 0.670, CAR Bank Muamalat 0.098 which there is no difference before and after collaborating with fintech. Keywords: financial performance, fintech, ROA, ROE, NIM, BOPO, CAR, FDR.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | ABSTRAK Fintek saat ini sangat bersaing dengan bank dari penyediaan pembiayaan. sebagai platform online fintek mempunyai market yang sama dengan bank, namun mempunyai keunggulan yang kompetitif daripada bank yakni dengan menargetkan segmentasi yang tidak terjangkau oleh bank. Tujuan penelitian ini adalah untuk mengetahui perbedaan ROA, ROE, NIM, BOPO, CAR dan FDR. Jenis penelitian ini termasuk jenis penelitian kuantitatif. Sementara sampel yang digunakan berjumlah 4 perusahaan dan sumber data nya data sekunder. Adapun teknik pengumpulan data yang digunakan yaitu metode dokumentasi serta metode analisis data menggunakan software spss v25 dan microsoft excel 2010. Berdasarkan hasil analisis menggunakan software spss v25 diketahui bahwa secara keseluruhan kinerja keuangan terdapat perbedaan sebelum dan sesudah bekerjasama denga fintech. Adapun yang tidak terdapat perbedaan yakni ROA Bank BCA Syariah 0,662 , ROE Bank Muamalat 0,374 dan Bank BCA Syariah 0,701 , NIM Bank BCA Syariah 0,589 , BOPO Bank Muamalat 0,670 , CAR Bank Muamalat 0,098 yang tidak terdapat perbedaan sebelum dan sesudah bekerjasama dengan fintech. Kata Kunci : kinerja keuangan, fintech, ROA, ROE ,NIM, BOPO, CAR, FDR. | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah |
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| Depositing User: | Mr Handhika Pandji Nugroho | |||||||||
| Date Deposited: | 16 May 2023 09:25 | |||||||||
| Last Modified: | 16 May 2023 09:25 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/24050 |
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