Apakah fintech lending berpengaruh terhadap kinerja bank syariah di indonesia?

Authors

  • Wahyu Febri Ramadhan Sudirman Univeristas Pahlawan Tuanku Tambusai
  • Efti Novita Sari Universitas Pahlawan Tuanku Tambusai
  • Saru Reza Universitas Pahlawan Tuanku Tambusai
  • Muhammad Syaipudin Universitas Pahlawan Tuanku Tambusai
  • Hidayat Hidayat Universitas Pahlawan Tuanku Tambusai

DOI:

https://doi.org/10.31004/money.v1i2.15357

Keywords:

fintech lending, bank syariah, peer-to-peer lending, non-performing loan

Abstract

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.

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Published

2023-06-10

How to Cite

Sudirman, W. F. R., Sari, E. N. ., Reza, S. ., Syaipudin, M. ., & Hidayat, H. (2023). Apakah fintech lending berpengaruh terhadap kinerja bank syariah di indonesia?. Money: Journal of Financial and Islamic Banking, 1(2), 81–90. https://doi.org/10.31004/money.v1i2.15357

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