Analisis Profitabilitas Perbankan Sebelum dan Sesudah Penerapan Financial Technology (Fintech)

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Penelitian ini bertujuan untuk mengetahui perbedaan return on asset (ROA), return on equity (ROE), net interest margin (NIM), dan Biaya Operasional dan Pendapatan Operasional (BOPO) sebelum dan sesudah menerapkan FinTech (studi perbankan BUMN yang bekerjasama dengan LinkAja periode 2018 – 2020). Pemilihan sampel dengan metode purposive sampling sehingga diperoleh sampel sebanyak 4 perusahaan. Hipotesis diuji menggunakan paired sampel t-test dan wilcoxon menggunakan SPSS versi 22. Hasil uji hipotesis menunjukkan bahwa: (1) tidak terdapat perbedaan ROA sebelum dan sesudah menerapkan FinTech studi perbankan BUMN yang berkerjasama dengan LinkAja periode 2018–2020. (2) tidak terdapat perbedaan ROE sebelum dan sesudah menerapkkan FinTech studi perbankan BUMN yang berkerjasama dengan LinkAja periode 2018–2020. (3) Bank BRI dan Mandiri terdapat perbedaan NIM sebelum dan sesudah menerapkan FinTech sedangkan untuk Bank BNI dan BTN terdapat perbedaan NIM sebelum dan sesudah menerapkan FinTech periode 2018-2020. (4) tidak terdapat perbedaan BOPO sebelum dan sesudah menerapkan FinTech studi perbankan BUMN yang berkerjasama dengan LinkAja periode 2018–2020.

This study aims to determine the differences in return on assets (ROA), return on equity (ROE), net interest margin (NIM), and Operating Costs and Operating Income (BOPO) before and after implementing FinTech (BUMN banking study in collaboration with LinkAja for the 2018 period. - 2020). The sample was selected by using purposive sampling method in order to obtain a sample of 4 companies. The hypothesis was tested using paired sample t-test and Wilcoxon using SPSS version 22. The results of the hypothesis test show that: (1) there is no difference in ROA before and after implementing FinTech in the BUMN banking study in collaboration with LinkAja for the 2018-2020 period. 2) there is no difference in ROE before and after implementing FinTech in the BUMN banking study in collaboration with LinkAja for the period 2018-2020. (3) Bank BRI and Mandiri have differences in NIM before and after implementing FinTech while for Bank BNI and BTN there are differences in NIM before and after implementing FinTech for the 2018-2020 period. (4) there is no difference in BOPO before and after implementing FinTech in BUMN banking studies in collaboration with LinkAja for the period 2018-2020.