金融技术对万隆伊斯兰银行利润的影响

W. Astuti
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引用次数: 1

摘要

工业4.0目前正在各个领域引发创新。其中之一是金融服务部门通过结合基于应用程序的融资技术。金融服务的创新,目前的趋势是有关获得金融产品被称为金融科技(FinTech)。本研究的目的是分析伊斯兰银行在金融科技存在之前和之后的收益是否存在差异。使用的研究方法是以比较的形式进行描述性定量分析,旨在衡量2017-2020年期间金融科技存在前后对伊斯兰银行利润的影响,以净息差衡量,本研究的人口来自财务报表,然后使用有目的抽样缩小范围,因此本研究中的样本是2017-2020年期间伊斯兰银行的季度财务报表。研究结果表明,伊斯兰银行在使用金融科技之前和之后对净息差没有显着影响,这是由于几个因素,包括安全水平,长期维护和银行维护互联网银行的能力也遇到了问题。印尼尚未最大限度地利用互联网银行进行银行交易,这也是互联网银行服务发展的一个障碍。
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Impact of Finance Technology on Profit at Sharia Banks in Bandung
Industry 4.0 is currently giving rise to an innovation in all fields. One of them is the financial services sector by combining application-based funding technology. Innovations in financial services that are currently trending related to access to financial products are known as Financial Technology (FinTech). The purpose of this study is to analyse whether there are differences in earnings before and after the existence of Financial Technology in Islamic Banks. The research method used is descriptive quantitative in the form of a comparison that aims to measure the influence before and after the existence of FinTech on Profits at Islamic Banks for the 2017-2020 period as measured by Net Interest Margin, the population of this study from financial statements which was then narrowed down using purposive sampling so that the sample in this study are the quarterly financial statements of Islamic banks for the period 2017-2020. The results of the study show that in Islamic banks there is no significant effect on the net interest margin before and after using fintech, this is due to several factors including the level of security, long-term maintenance and the bank's ability to maintain internet banking are also experiencing problems. The not yet maximal use of internet banking in Indonesia for banking transactions is also still an obstacle to the development of internet banking services.
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