PENGARUH PENGGUNAAN INTERNET BANKING DAN MOBILE BANKING TERHADAP KINERJA KEUANGAN PERBANKAN (STUDI PADA PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA 2016-2020)

Rahmad Syahputra, Suparno Suparno

Abstract


This study aims to examine the effect of internet banking and mobile banking on the financial performance of banks listed on the Indonesia Stock Exchange (IDX). The population in this study is all banks listed on the Indonesia Stock Exchange in 2016-2020. This sampling technique uses purposive sampling with the company's criteria stating the number of transactions through internet banking and mobile banking during 2016-2020. There are 7 banks that become the research sample. The data collection technique used in this research is documentation. This research is a quantitative research with multiple linear regression analysis method. The results showed that internet banking has a significant influence on the financial performance of banks. Meanwhile, mobile banking has no effect on banking financial performance.


Keywords


Internet Banking; Mobile Banking; Financial Performance; Return On Asset.

Full Text:

PDF

References


Arif, M., & Masdupi, E. (2020). Pengaruh Internet Banking Terhadap Kinerja Perbankan. Jurnal Ecogen, 3(4), 598–624. https://doi.org/10.24036/jmpe.v3i4.10435

Egan, R., & Prawoto, H. (2013). Pengaruh Internet Banking Terhadap Kinerja Perbankan di Indonesia (Studi Empiris pada Bank yang Listing di BEI). Jurnal Akuntansi Bisnis, XI(22), 138–153.

Fakhri, U. N., & Darmawan, A. (2021). Comparison of Islamic and Conventional Banking Financial Performance during the Covid-19 Period. International Journal of Islamic Economics and Finance (IJIEF), 4(SI), 19–40. https://doi.org/10.18196/ijief.v4i0.10080

Fatoki, O. I., & Mary, O. (2021). EFFECT OF E-BANKING ON FINANCIAL PERFORMANCE OF LISTED. Global Scientfic Journals, 7(1), 722–738.

Gaudio, B. L. Del, Porzio, C., Sampagnaro, G., & Verdoliva, V. (2020). How do mobile , internet and ICT diffusion affect the banking industry ? An empirical analysis. European Management Journal, xxxx. https://doi.org/10.1016/j.emj.2020.07.003

Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25.

Hafitri, G. E., Hidayat, Y. M., & Mayasari. (2021). Pengaruh Internet Banking dan Mobile Banking Terhadap Kinerja Keuangan Bank. Jurnal Pendidikan Manajemen Bisnis, 21(1), 55–72. http://repository.upi.edu/id/eprint/66542

Imamah, N., & Safira, D. A. (2021). PENGARUH MOBILE BANKING TERHADAP PROFITABILITAS. Jurnal Administrasi Bisnis, 15(1), 95–103.

Imannudin, M. (2016). PENINGKATAN PENGGUNAAN MOBILE BANKING SEBAGAI UPAYA MENINGKATKAN JUMLAH NASABAH BANK RAKYAT INDONESIA (PERSERO) Tbk CABANG SIDOARJO. Perbanas, August.

Indah Bintari, V., Deana Santosa, A., & Amalia Hamzah, R. (2019). Pengaruh Interest Based Income Dan Fee Based Income Terhadap Return on Assets Pada Bank Mandiri (Persero) Tbk. Jurnal Ekonomi Manajemen, 5(Mei), 24–34. http://jurnal.unsil.ac.id/index.php/jem

Intan, N., & Yolandha, F. (2021). OJK Catat Transaksi Mobile Banking Capai Rp 4.684 T | Republika Online. Republika. Diakses dari: https://www.republika.co.id/berita/r1ko2j370/ojk-catat-transaksi-mobile-banking-capai-rp-4684-t

Kasmir. (2015). Manajemen Perbankan. PT. Rajagrafindo Indonesia.

Kiling, I. S., Saerang, D. P., & Maramis, J. (2016). Analisis Faktor-Faktor Kunci Penggunaan Internet Banking (Studi Kasus Pada Pt. Bni (Persero) Tbk. Kantor Cabang Manado). Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 4(3), 522–530.

Kisaka, S. E., Ndii, G. M., Muriki, M., & Muio, A. K. (2015). The Relationship between Mobile Banking Deepening and Financial Performance of Commercial Banks in Kenya. Research Journal of Finance and Accounting, 6(10), 156–173.

Mwange, J. A. (2013). The Impact of Mobile Banking on Financial Performance of Commercial Banks in Kenya. https://doi.org/10.2139/ssrn.2897307

Otoritas Jasa Keuangan. (2015). BIJAK BER-ELECTRONIC BANKING.

Otoritas Jasa Keuangan. (2016). Panduan Penyelenggaraan Digital Branch oleh Bank Umum. Diakses dari: https://www.ojk.go.id/id/kanal/perbankan/Pages/Panduan-Penyelenggaraan-Digital-Branch-oleh-Bank-Umum.aspx

Otoritas Jasa Keuangan. (2016). Penilaian Tingkat Kesehatan Bank Umum.

Otoritas Jasa Keuangan. (2021). Survei Perbankan. Grafik 4, 1–10.

Pratomo, D., & Ramdani, R. F. (2021). Analisis Pertumbuhan Kinerja Keuangan Perbankan Syariah dan Konvensional di Era Pandemi COVID 19. Jurnal Manajemen, 15(2), 260–275.

Sakanko, M. A., & David, J. (2019). The Effect of Electronic Payment Systems on Financial Performance of Microfinance Banks in Niger State. Jurnal Bisnis Dan Manajemen, 9(2), 143–154.

Suardana, P. A. K. P., & Kustina, K. T. (2017). Pengaruh Fee Based Income Dan Transaksi E-Banking Terhadap Perubahan Laba Pada Pt . Bank Pembangunan Daerah Bali. Jurnal Ilmiah Akuntansi Dan Bisnis, 2(2), 331–343.

Sudaryanti, D. S., Sahroni, N., & Kurniawati, A. (2018). ANALISA PENGARUH MOBILE BANKING TERHADAP KINERJA PERUSAHAAN SEKTOR PERBANKAN YANG TERCATAT DI BURSA EFEK. Jurnal Ekonomi Manajemen, 4(November), 96–107.

Sugiyono. (2013). METODE PENELITIAN KUANTITATIF, KUALITATIF DAN R &. D. ALFABETA.

Sugiyono, S. (2018). Metode Penelitian Kuantitatif, Kualitatif. CV Alfabeta.

Sujarweni, V. W. (2015). Metode Penelitian Bisnis & Ekonomi. Pustaka baru press.

Thio, J. C., Yusniar, M. W., Manajemen, M., Ekonomi, F., Lambung, U., & Banjarmasin, M. (2021). Pengaruh Mobile Banking , Ukuran Perusahaan , Risiko Kredit Terhadap Kinerja Keuangan Perbankan Indonesia. Jurnal Ilmiah Manajemen, 6663(3), 256–267.

Torki, L., Rezaei, A., & Razmi, S. F. (2019). The Effects of Electronic Payment Systems on the Performance of the Financial Sector in Selected Islamic Countries. International Journal of Economics and Politics, 1(1).

UU Nomor 10. (1998). Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 Tentang Perbankan. Bank Indonesia, 1–65.




DOI: https://doi.org/10.24815/jimeka.v7i3.21114

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi

Published by:

Universitas Syiah Kuala, Fakultas Ekonomi dan Bisnis, Jurusan Akuntansi didukung oleh IAI KAPd Wilayah Aceh
Kopelma Darussalam, Banda Aceh, Indonesia - 23111

E-ISSN: 2581-1002

Creative Commons License

Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi oleh Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Syiah Kuala is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Based on a work at http://www.jim.usk.ac.id/eka