Murtopo, Arya Dwi Prasetyo (2024) PENGARUH PENYALURAN KREDIT, NON PERFORMING LOAN DAN CURRENT ACCOUNT-SAVING ACCOUNT (CASA) RASIO TERHADAP PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BURSA EFEK INDONESIA. Masters thesis, Universitas Tarumanagara.

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Abstract

Kemajuan teknologi menghadirkan pembaruan dalam proses bisnis dan layanan bank
di Indonesia, yakni dengan lahirnya bank yang memberikan pelayanan berbasis digital
kepada nasabah atau disebut Bank Digital. Perkembangan ekosistem bank digital ini
didukung oleh kondisi perekonomian yang telah pulih pasca pandemi COVID
berakhir. Transformasi digital tentunya mendorong munculnya beberapa Bank Digital
yang menjadi Game Changer dalam bisnis jasa keuangan dengan menawarkan
kemudahan dalam produk dan layanan digital. Sejumlah Bank Digital berhasil menjadi
perusahaan publik, mencatat pertumbuhan kredit, mengelola rasio kredit macet,
meningkatkan pertumbuhan dana pihak ketiga terutama untuk produk tabungan online
melalui produk digital perbankan yang ditawarkan serta meningkatkan rasio
profitabilitas. Tujuan penelitian ini adalah untuk mengetahui pengaruh Penyaluran
Kredit, Rasio NPL dan Rasio CASA (Current Account-Saving Account) terhadap
Profitabilitas yang diukur melalui rasio Return on Asset (ROA) Bank Digital yang
telah melantai di Bursa Efek Indonesia untuk tahun penelitian 2018-2024. Data
populasi yang digunakan berupa Bank Digital yang telah go-public dan sampel berupa
Bank Digital yang masuk dalam kategori Kelompok Bank berdasarkan Modal Inti 1
dan 2. Data sekunder untuk penelitian ini yaitu laporan triwulanan dan tahunan bank
yang tersedia dalam laman resmi Bursa Efek Indonesia dan Otoritas Jasa Keuangan.

Kata Kunci: Bank Digital; Kredit; Non Performing Loan; CASA; ROA

Technological advances have brought updates to business processes and banking
services in Indonesia, namely the birth of banks that provide digital-based services to
customers or called Digital Banks. The development of this digital banking ecosystem
is supported by the economic conditions that have recovered after COVID pandemic
ended. Digital transformation has certainly encouraged the emergence of several
Digital Banks that have become Game Changers in the financial services business by
offering convenience in digital products and services. A number of Digital Banks have
succeeded in becoming public companies, recording credit growth, managing the nonperforming
loan
ratio,
increasing
the
growth
of
third-party
funds,
especially
for
online

savings

products through the digital banking products offered, and increasing the
profitability ratio. Objective of this research is to determine the effect of Loan
disbursement, NPL and CASA (Current Account-Saving Account) Ratio on the
Profitability of Digital Banks listed on the Indonesia Stock Exchange for the 20182024

research year. The population data used is go-public Digital Banks and the
sample is Digital Banks that are included in the Bank Group category based on Core
Capital 1 and 2. Secondary data used in the research are quarterly and annual bank
reports which are available on the official websites of the Indonesian Stock Exchange
and the Financial Services Authority.

Keywords: Digital Bank; Loan; Non Performing Loan; CASA; ROA

Item Type: Thesis (Masters)
Subjects: Skripsi/Tugas Akhir
Skripsi/Tugas Akhir > Fakultas Ekonomi
Divisions: Fakultas Ekonomi > Akuntansi
Depositing User: FE Perpus
Date Deposited: 05 May 2025 02:00
Last Modified: 05 May 2025 02:00
URI: https://repotest.untar.ac.id/id/eprint/46505

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