PENGARUH DIGITAL TRANSFORMATION, LIQUIDITY, CREDIT RISK DAN GREEN CREDIT TERHADAP BANK PERFORMANCE

MILADIATUR RAHMAH, . (2025) PENGARUH DIGITAL TRANSFORMATION, LIQUIDITY, CREDIT RISK DAN GREEN CREDIT TERHADAP BANK PERFORMANCE. Magister thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh digital transformation, liquidity, credit risk, dan green credit terhadap bank performance yang diukur menggunakan rasio Return On Assets (ROA) dan Net Interest Margin (NIM) pada bank-bank yang terdaftar di Bursa Efek Indonesia (BEI) selama periode tertentu. Metode analisis yang digunakan adalah regresi data panel dengan pendekatan model efek tetap dan acak, serta pengujian asumsi klasik untuk memastikan validitas model. Variabel independen terdiri dari digital transformation, liquidity (diukur dengan Loan to Deposit Ratio), credit risk (diukur dengan Non Performing Loan), dan green credit, dengan firm size dan firm age sebagai variabel kontrol. Hasil penelitian menunjukkan bahwa terdapat pengaruh signifikan dari beberapa variabel independen terhadap ROA dan NIM. Digital transformation, Loan to Deposit Rasio dan Non Performing Loan berpengaruh terhadap kinerja bank yang di ukur dengan ROA dan NIM. Sedangkan green credit tidak mempengaruhi bank performance (ROA dan NIM). Temuan ini memberikan implikasi penting bagi pengambil kebijakan dan manajemen bank dalam merumuskan strategi peningkatan kinerja keuangan yang berkelanjutan di era digital. Penelitian ini juga diharapkan dapat menjadi referensi untuk studi lanjutan terkait faktor-faktor penentu kinerja perbankan di masa depan. **** This study aims to analyze the influence of digital transformation, liquidity, credit risk, and green credit on bank performance, as measured by Return on Assets (ROA) and Net Interest Margin (NIM) ratios, in banks listed on the Indonesia Stock Exchange (IDX) during a specific period. The analytical method used is panel data regression with fixed and random effects model approaches, as well as classical assumption testing to ensure model validity. The independent variables consist of digital transformation, liquidity (measured by the Loan to Deposit Ratio), credit risk (measured by Non-Performing Loans), and green credit, with firm size and firm age as control variables. The results show that there is a significant influence of several independent variables on ROA and NIM. Digital transformation, Loan to Deposit Ratio, and Non-Performing Loans affect bank performance as measured by ROA and NIM. Meanwhile, green credit does not affect bank performance (ROA and NIM). These findings provide important implications for policymakers and bank management in formulating strategies to improve sustainable financial performance in the digital era. This research is also expected to serve as a reference for further studies related to the determinants of banking performance in the future.

Item Type:	Thesis (Magister)
Additional Information:	1). Prof. Dr. Umi Widyastuti, SE., ME. ; 2). Prof. Dr. Gatot Nazir Ahmad, M.Si.
Subjects:	Ilmu Sosial > Keuangan Manajemen > Manajemen , Business
Divisions:	FE > S2 Manajemen
Depositing User:	Miladiatur Rahmah .
Date Deposited:	05 Aug 2025 02:41
Last Modified:	05 Aug 2025 02:41
URI:	http://repository.unj.ac.id/id/eprint/57854

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