PENGARUH FINANCIAL TECHNOLOGY TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH DENGAN ONLINE SERVICE INFORMATION SEBAGAI VARIABEL MODERASI

Adelia Marcella, Zulfikar Zulfikar

Abstract


ABSTRAK

Penelitian ini bertujuan untuk menganalisis pengaruh financial technology terhadap kinerja keuangan perbankan syariah dengan online service information sebagai variabel moderasi. Penelitian ini merupakan penelitian deskriptif kuantitatif. Populasi dalam penelitian ini adalah seluruh laporan keuangan yang diterbitkan oleh bank syariah yang sudah mulai menggunakan fintech  periode 2020-2022, dengan total 13 bank selama tahun 2020-2022. Berdasarkan pemilihan sampel, didapatkan sampel sebanyak 39 pada setiap tahun yang terdaftar pada OJK. Penentuan sampel dalam penelitian ini dilakukan dengan teknik purposive sampling. Dari hasil uji hipotesis bukti empiris bahwa fintech berpengaruh terhadap kinerja keuangan, dan Online Service Information memoderasi hubungan antara fintech terhadap kinerja keuangan

Kata Kunci: financial technology, Online Service Information, Kinerja Keuangan

ABSTRACT

This study aims to analyze the influence of financial technology on the financial performance of Islamic banking with online service information as a variable of moderation. This study is a quantitative descriptiveresearch. The population in this study is all financial statements issued by Islamic banks that have started using fintech for the period 2020-2022, with a total of 13 banks during 2020-2022. Based on the sample selection, 39 samples were obtained in each year registered with the OJK. Determination of samples in this study was done by purposive sampling technique. From the results of hypothesis testing empirical evidence that fintech affects financial performance, and Online service Information moderates the relationship between fintech and financial performance

Keywords: financial technology, Online Service Information, Financial Performance


Keywords


financial technology, Online Service Information, Kinerja Keuangan

References


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DOI: http://dx.doi.org/10.35906/jurakun.v10i2.2068

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