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Title: | Analisis Perbedaan Rasio Profitabilitas Sebelum dan Sesudah DIlakukannya Penerapan Financial Technology pada Perseroan Terbatas Bank Negara Indonesia di Bursa Efek Indonesia 2016-2016 |
Other Titles: | Analysis of Differences in Profitability Ratios Before and After Implementation of Financial Technology in Bank Negara Indonesia Limited Liability Companies on the Indonesia Stock Exchange 2016-2019 |
Authors: | Panggabean, Shania Aulelia Elsa |
metadata.dc.contributor.advisor: | Sari, Warsani Purnama |
Keywords: | financial technology;rasio profitabilitas;return on asset;return on equity;net interest magin;beban operasional dan pendapatan operasional |
Issue Date: | 2-Feb-2022 |
Publisher: | Universitas Medan Area |
Series/Report no.: | NPM;178330095 |
Abstract: | Penelitian ini bertujuan untuk menjelaskan perbedaan Return on Asset, Return on Equity, Net Interest Margin, and Beban Operasional dan Pendapatan Operasional sebelum dan sesudah dilakukannya penerapan financial technology pada Perseroan Terbatas Bank Negara Indonesia. Pengujian profitabilitas diukur dengan menggunakan rasio profitabilitas yaitu Return on Asset, Return on Equity, Net Interest Margin, and Beban Operasional dan Pendapatan Operasional. Data yang digunakan dalam penelitian ini adalah data tahun 2016-2019 dari Bank Negara Indonesia. Metodologi yang digunakan pendekatan kuantitatif dan kualitatif dengan melakukan uji normalitas dan uji beda menggunakan alat uji SPSS. Analisis kuantitatif dilakukan dengan financial technoloy tehadap Profitabilitas Bank Negara Indonesia dengan teknik pengumpulan data sekunder berupa laporan keuangan yang dipublis oleh Bank Negara Indonesia. Analisis kualitatif dilakukan dengan menguraikan, menganalisis dan membahas untuk menjawab permasalahan yang diajukan.Uji beda dilakukan untuk melihat apakah profitabilitas Bank Negara Indonesia terganggu oleh fenomena financial technology atau tidak. Hasil Penelitian menunjukkan bahwa pada Bank Negara Indonesia variabel Return on Asset, Return on Equity, Net Interest Margin, and Beban Operasional dan Pendapatan Operasional berpengaruh positif dan signifikan sesudah bekerjasama dengan financial technology. This research aims to elaborate the differences between Return on Asset, Return on Equity, Net Interest Margin, and Beban Operasional dan Pendapatan Operasional before and after the implementation of financial technology in Bank Negara Indonesia Inc. The profitability test was measured using the profitability ratios, namely Return on Asset, Return on Equity, Net Interest Margin, and Beban Operasional dan Pendapatan Operasional. The data used in this research was 2016-2019 data from Bank Negara Indonesia. The methodology used a quantitative and qualitative approach by conducting a normality test and a difference test using the SPSS test tool. Quantitative analysis was carried out using financial technology on the profitability of Bank Negara Indonesia with secondary data collection techniques in the form of financial reports published by Bank Negara Indonesia. Qualitative analysis was carried out by describing, analyzing, and discussing to answer the problems. Difference tests were carried out to see whether Bank Negara Indonesia's profitability was disrupted by the phenomenon of financial technology or not. The results showed that the Return on Asset, Return on Equity, Net Interest Margin, and Beban Operasional dan Pendapatan Operasional variables in Bank Negara Indonesia had a positive and significant effect after cooperating with financial technology. |
Description: | 78 Halaman |
URI: | http://repository.uma.ac.id/handle/123456789/17442 |
Appears in Collections: | SP - Accountancy |
Files in This Item:
File | Description | Size | Format | |
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178330095 - Shania Aurelia Elsa Panggabean - Chapter IV.pdf Restricted Access | Chapter IV | 803.86 kB | Adobe PDF | View/Open Request a copy |
178330095 - Shania Aurelia Elsa Panggabean - Fulltext.pdf | Cover, Abstract, Chapter I,II,III,V, Bibliography | 1.35 MB | Adobe PDF | View/Open |
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