PENGARUH DIGITAL FINANCE, KECUKUPAN MODAL, EFISIENSI DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK UMUM KBMI 3 & 4 DI BEI DIMODERASI KEPEMILIKAN ASING

Widyatmoko, Yunanto Wahyu (2024) PENGARUH DIGITAL FINANCE, KECUKUPAN MODAL, EFISIENSI DAN KUALITAS ASET TERHADAP PROFITABILITAS PADA BANK UMUM KBMI 3 & 4 DI BEI DIMODERASI KEPEMILIKAN ASING. S2 thesis, Universitas Mercu Buana Jakarta-Menteng.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Digital Finance, Kecukupan Modal, Efisiensi dan Kualitas Aset terhadap Profitabilitas di Moderasi Kepemilikan Asing. Rasio keuangan yang diteliti yaitu: Digital Finance, Kecukupan Modal, Efisiensi dan Kualitas Aset serta Kepemilikan Asing. Populasi dalam penelitian ini Bank Umum KBMI 3 & 4 yang terdaftar pada BEI pada periode 2015-2022. Sampel penelitian sebanyak 7 Bank Umum yang diperoleh dengan teknik purposive sampling. Teknik pengumpulan data yang digunakan adalah dokumentasi. Analisis data dilakukan dengan teknik analisis data panel metode Fixed Effect Model. Hasil penelitian menunjukkan bahwa secara parsial variabel Digital Finance dan Efisiensi berpengaruh terhadap ROA, sedangkan Kecukupan Modal dan Kualitas Aset tidak berpengaruh. Selanjutnya Kepemilikan Asing mampu memoderasi pengaruh Digital Finance terhadap ROA sedangkan pengaruh Kecukupan Modal, Efisiensi dan Kualitas Aset tidak mampu di moderasi oleh kepemilikan asing. This research aims to determine the influence of Digital Finance, Capital Adequacy, Efficiency and Asset Quality on Profitability in Foreign Ownership Moderation. The financial ratios studied are: Digital Finance, Capital Adequacy, Efficiency and Asset Quality and Foreign Ownership. The population in this research is KBMI 3 & 4 Commercial Banks which are registered on the IDX in the 2015-2022 period. The research sample was 7 commercial banks obtained using purposive sampling technique. The data collection technique used is documentation. Data analysis was carried out using panel data analysis techniques using the Fixed Effect Model method. The research results show that partially the Digital Finance and Efficiency variables have an effect on ROA, while Capital Adequacy and Asset Quality have no effect. Furthermore, foreign ownership is able to moderate the influence of Digital Finance on ROA, while the influence of Capital Adequacy, Efficiency and Asset Quality cannot be moderated by foreign ownership.

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