Apakah fintech lending berpengaruh terhadap kinerja bank syariah di indonesia?
DOI:
https://doi.org/10.31004/money.v1i2.15357Keywords:
fintech lending, bank syariah, peer-to-peer lending, non-performing loanAbstract
Tujuan - Artikel ini bertujuan untuk menginvestigasi pengaruh fintech lending terhadap kinerja bank syariah di Indonesia. Fintech lending, yang telah mengalami pertumbuhan pesat dalam beberapa tahun terakhir, menawarkan layanan pinjaman berbasis teknologi kepada individu dan bisnis. Metode - Penelitian yang digunakan dalam artikel ini adalah analisis data panel, dengan menggunakan data dari bank syariah yang terdaftar di Indonesia selama periode 2019-2021. Data dianalisis dengan emnggunakan Eviews 10 dengan menguji asumsi kelasik yang disayaratkan untuk metode OLS. Hasil - Penelitian menunjukkan bahwa fintech lending memiliki pengaruh positif terhadap kinerja bank syariah di Indonesia. Fintech lending berkontribusi positif terhadap profitabilitas bank syariah dengan meningkatkan pendapatan dan mengurangi biaya operasional. Originalitas (Novelty) - dari penelitian ini terletak pada fokusnya pada pengaruh fintech lending terhadap kinerja bank syariah di Indonesia. Penelitian ini memberikan pemahaman yang lebih dalam tentang perubahan industri keuangan yang diakibatkan oleh fintech lending dan dampaknya pada bank syariah. Meskipun terdapat penelitian sebelumnya tentang fintech lending dan bank syariah secara terpisah, penelitian ini menggabungkan kedua bidang tersebut dan menghasilkan pemahaman baru tentang hubungan antara keduanya di konteks Indonesia. Implikasi - Penelitian ini diharapakan bisa dijadikan bank syariah dalam memformulasikan strategi yang tepat untuk menghadapi tantangan yang dihadirkan oleh fintech lending. Hal ini dapat meliputi peningkatan inovasi produk dan layanan, serta kolaborasi yang lebih kuat dengan fintech lending. Selain itu, regulator juga perlu mempertimbangkan kebijakan yang mendukung perkembangan bank syariah dan fintech lending secara seimbang di Indonesia.References
Agarwal, S., & Zhang, J. (2020). FinTech, Lending and Payment Innovation: A Review. Asia-Pacific Journal of Financial Studies, 49(3), 353–367. https://doi.org/10.1111/ajfs.12294
Arner, D. W., Barberis, J., Buckley, R. P., NOS BARBERISt, J., & Buckley-, R. P. (2016). The Evolution of FinTech: A New Post-Crisis Paradigm. Georgetown Journal of International Law, 47(4), 1271–1320.
Baltagi, B. H. (2011). Econometrics (Fifth Edit). Springer US.
Bashayreh, A., & Wadi, R. M. A. (2021). The Effect of Fintech on Banks’ Performance: Jordan Case. In B. Alareeni, A. Hamdan, & I. Elgedawy (Eds.), International Conference on Business and Technology (Issue March, pp. 812–821). Springer International Publishing.
Ben-Aaron, J., Denny, M., Desmarais, B., & Wallach, H. (2017). Transparency by Conformity: A Field Experiment Evaluating Openness in Local Governments. Public Administration Review, 77(1), 68–77. https://doi.org/10.1111/puar.12596.
Buchak, G., Matvos, G., Piskorski, T., & Amit, S. (2018). Fintech, Regulatory Arbitrage, And The Rise Of Shadow Banks. In NATIONAL BUREAU OF ECONOMIC RESEARCH (NBER) WORKING PAPER SERIES (Vol. 135, Issue September).
Dahl, K., Licker, R., Abatzoglou, J. T., & Declet-Barreto, J. (2019). Increased frequency of and population exposure to extreme heat index days in the united states during the 21st century. Environmental Research Communications, 1(7). https://doi.org/10.1088/2515-7620/ab27cf.
Demirgüç-Kunt, A., Pedraza, A., & Ruiz-Ortega, C. (2020). Banking sector performance during the COVID-19 crisis. In World Bank Policy Research (Vol. 133, Issue Agustus). https://doi.org/10.1016/j.jbankfin.2021.106305.
Fichman, R. G., Dos Santos, B. L., & Zheng, Z. (2014). Digital innovation as a fundamental and powerful concept in the information systems curriculum. MIS Quarterly: Management Information Systems, 38(2), 329–353. https://doi.org/10.25300/misq/2014/38.2.01.
Hornuf, L., Klus, M. F., Lohwasser, T. S., & Schwienbacher, A. (2021). How do banks interact with fintech startups? Small Business Economics, 57(3), 1505–1526. https://doi.org/10.1007/s11187-020-00359-3.
Jagtiani, J., & Lemieux, C. (2017). Fintech Lending?: Financial Inclusion , Risk Pricing , and Alternative Information Federal Reserve Bank of Philadelphia. In Research Department, Federal Reserve Bank of Philadelphia (Issue 1).
Phan, D. H. B., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2020). Do financial technology firms influence bank performance? Pacific Basin Finance Journal, 62, 101210. https://doi.org/10.1016/j.pacfin.2019.101210.
Rhyne, R. G., & Brigham, E. F. (1979). Fundamentals of Financial Management. In The Journal of Finance (15th ed., Vol. 34, Issue 5). Cengage Learning. https://doi.org/10.2307/2327254.
Scott, S. V., Van Reenen, J., & Zachariadis, M. (2017). The long-term effect of digital innovation on bank performance: An empirical study of SWIFT adoption in financial services. Research Policy, 46(5), 984–1004. https://doi.org/10.1016/j.respol.2017.03.010.
Sidaoui, M., Ben Bouheni, F., Arslankhuyag, Z., & Mian, S. (2022). Fintech and Islamic banking growth: new evidence. Journal of Risk Finance, 23(5), 535–557. https://doi.org/10.1108/JRF-03-2022-0049.
Siska, E. (2022). Financial Technology (FinTech) and Its Impact on Financial Performance of Islamic Banking. ARBITRASE: Journal of Economics and Accounting, 2(3), 102–108. https://doi.org/10.47065/arbitrase.v2i3.338.
Siska, E., Gamal, A. A. M., Ameen, A., & Amalia, M. M. (2021). Analysis Impact of Covid-19 Outbreak on Performance of Commercial Conventional Banks: Evidence from Indonesia. International Journal of Social and Management Studies, 2(6), 8–16.
Sudirman, W. F. R., Pratiwi, A., & Adams, R. (2022). Effect of Board Characteristics, Capital Structure on Firm Performance and Value. MEC-J (Management and Economics Journal), 6(2), 91–108. https://doi.org/10.18860/mec-j.v6i2.11819
Vinet, L., & Zhedanov, A. (2011). A “missing” family of classical orthogonal polynomials. In Journal of Physics A: Mathematical and Theoretical (14th ed., Vol. 44, Issue 8). Cengage Learning. https://doi.org/10.1088/1751-8113/44/8/085201.
Wood, A., & McConney, S. (2018). The impact of risk factors on the financial performance of the commercial banking sector in Barbados. Journal of Governance and Regulation, 7(1), 76–93. https://doi.org/10.22495/jgr_v7_i1_p6.
Wooldridge, J. M. (2018). Econometrics Introductory (Seventh (ed.)). Cengage Learning.
Zuhroh, I. (2021). The impact of Fintech on Islamic banking and the collaboration model: a systematic review studies in Indonesia. Jurnal Perspektif Pembiayaan Dan Pembangunan Daerah, 9(4), 302–312. https://doi.org/10.22437/ppd.v9i4.12054.
