HULU, ADYANTO KURNIAWAN (2024) PENGARUH GREEN BANKING, TRANSFORMASI DIGITAL, EFISIENSI, KECUKUPAN MODAL, KUALITAS ASET DAN LIKULDITAS TERHADAP KINERJA KEUANGAN BANK UMUM DI INDONESIA DENGAN KEPEMILIKAN SAHAM ASING SEBAGAI PEMODERASI. S2 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to determine the effect of green banking, digital transformation, efficiency (BOPO), capital adequacy (CAR), asset quality (NPL) and liquidity (LDR) on the financial performance of commercial banks with foreign share ownership as a moderator variable. This research was conducted on commercial banks included in the KBMI 3 and KBMI 4 categories with the research period 2017 - 2022. The sampling technique used in this research is saturated sample with a total sample of 13 commercial banks. The data analysis technique used is panel data regression analysis which consists of three variables, namely the dependent variable, independent variable, and moderation variable. The results of this study indicate that green banking has a significant positive effect on financial performance; digital transformation, efficiency and asset quality have a significant negative effect on financial performance while capital adequacy, liquidity have no effect on financial performance. Furthermore, foreign share ownership is able to moderate the effect of asset quality, capital adequacy and liquidity on financial performance but has not been able to moderate the effect of independent variables green banking, digital transformation and efficiency on financial performance. Keywords : Green Banking, Digital Transformation, BOPO, CAR, NPL, LDR, foreign share ownership, commercial banks Penelitian ini bertujuan untuk mengetahui pengaruh green banking, transformasi digital, efisiensi (BOPO), kecukupan modal (CAR), kualitas aset (NPL) dan likuiditas (LDR) terhadap kinerja keuangan bank umum dengan kepemilikan saham asing sebagai variabel moderator. Penelitian ini dilakukan kepada Bank Umum yang termasuk dalam kategori KBMI 3 dan KBMI 4 dengan periode penelitian 2017 - 2022. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah sampel jenuh dengan jumlah sampel sebanyak 13 bank umum. Teknik analisis data yang digunakan adalah analisis regresi data panel yang terdiri dari tiga variabel yaitu variabel dependen, variabel independen, dan variabel moderasi. Hasil penelitian ini menunjukkan bahwa green banking berpengaruh signifikan positif terhadap kinerja keuangan; transformasi digital, efisiensi dan kualitas aset berpengaruh signifikan negatif terhadap kinerja keuangan sedangkan kecukupan modal, likuiditas tidak berpengaruh terhadap kinerja keuangan. Selanjutnya, kepemilikan saham asing mampu memoderasi pengaruh kualitas aset, kecukupan modal dan likuiditas terhadap kinerja keuangan namun belum dapat memoderasi pengaruh variabel independen green banking, transformasi digital dan efisiensi terhadap kinerja keuangan Kata kunci : Green Banking, Transformasi Digital, BOPO, CAR, NPL, LDR, Kepemilikan Saham Asing, Bank Umum.
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