Financial Performance of People's Credit Bank in the Era of Disruption 4.0
DOI:
https://doi.org/10.30595/kompartemen.v20i1.12514Keywords:
bank perkreditan rakyat, beban operasional dan pendapatan operasional, financial technology, net profit margin, return on asset, return on equityAbstract
Penelitian ini bertujuan untuk mengetahui apakah terdapat perbedaan kinerja keuangan yang dicerminkan oleh rasio profitabilitas sebelum maupun sesudah dampak financial technology (Fintech) atas kegiatan usaha Bank Perkreditan Rakyat (BPR) di Kabupaten Sidoarjo yang telah terdaftar di Otoritas Jasa Keuangan (OJK). Pada penelitian ini menggunakan jenis data kuantitatif dengan populasi seluruh BPR di provinsi Jawa Timur. Sampel penelitian berjumlah 8 (delapan) BPR di kabupaten Sidoarjo yang dipilih berdasarkan metode purposive sampling periode 2 (dua) tahun sebelum fintech dan 2 (dua) tahun setelah dampak fintech pada laporan keuangan triwulanan BPR. Adapun analisis normalitas menggunakan one sample kolmogorov smirnov, serta hipotesisnya menggunakan uji paired sample t-test dan uji wilcoxon signed-rank test dengan tingkat signifikansi 5%. Hasil dan kesimpulan yang dapat diambil dari penelitian ini, bahwa adanya financial technology di era disrupsi 4.0 mempengaruhi kinerja keuangan BPR dimana terdapat perbedaan rasio Return on Asset (ROA), Return on Equity (ROE), Net Profit Margin (NPM) dan Beban Operasional dan Pendapatan Operasional (BOPO), pada rentang waktu sebelum dan sesudah adanya financial technology (fintech).
References
Ary, T. G. (2011). Manajemen Investasi-Konsep, Teori dan Aplikasi. Jakarta: Mitra Wacana Media.
Bank Indonesia. (2016). Peraturan Bank Indonesia Nomor 18/40/PBI/2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran. Bank Indonesia Official Web Site.
Budisantoso, T., & Nuritomo. (2013). Bank dan Lembaga Keuangan Lainnya. Yogyakarta: Salemba Empat.
Chrismastianto, I. A. W. (2017). Analisis SWOT Implementasi Tekonologi Finansial terhadap Kualitas Layanan Perbankan di Indonesia. Jurnal Ekonomi Dan Bisnis, 20(1), 137. https://doi.org/10.24914/jeb.v20i1.641
Fahmi, I. (2013). Manajemen Kinerja, Teori dan Aplikasinya. Bandung: Alfabeta.
Fiqha, A. (2018). Analisis Kinerja Keuangan Sebelum dan Sesudah Beroperasinya Perusahaan Digital Berbasis Aplikasi Online : Studi Empiris pada Perusahaan sektor transportasi, retail trade dan Perbankan di Indonesia.In Universitas Islam Indonesia. Yogyakarta.
Gitman, L., & Chad, Z. (2012). Principles of Managerial Finance (Global Edi). Person Education Limited.
Hanafi, M. M., & Halim, A. (2016). Analisis Laporan Keuangan. Yogyakarta: UPP STIM YKPN.
Hermawan, S., & Amirullah. (2016). Metode Penelitian Bisnis Pendekatan Kuantitatif dan Kualitatif. Malang: Media Nusa Creative.
Ikatan Akuntansi Indonesia. (2009). Standar Akuntansi Indonesia. Jakarta: Salemba Empat.
Ikatan Akuntansi Indonesia. (2015). PSAK No. 1 Tentang Laporan Keuangan-Edisi Revisi. Jakarta: PT. Raja Grafindo Persada.
Jumingan. (2006). Analisis Laporan Keuangan. Jakarta: PT. Bumi Aksara.
Kasmir. (2014). Analisis Laporan Keuangan (Edisi Satu). Jakarta: PT. Raja Grafindo Persada.
Kasmir. (2016). Analisis Laporan Keuangan. Jakarta: Raja Grafindo Persada.
Mh, H., & Nurdin. (2018). Analisis Perbandingan Kinerja Keuangan BPR Sebelum dan Sesudah Adanya Financial Technology (Studi Kasus pada 30 Bank Perkreditan Rakyat di wilayah Jabodetabek dan Bandung pada tahun 2015-2017). Prosiding Manajemen, 4(ISSN : 2460-6545).
Munawir. (2012). Analisis Informasi Keuangan. Yogyakarta: Liberty.
Napitupulu, S. K., Rubini, A. F., & Khasanah, K. (2017). Kajian Perlindungan Konsumen Sektor Jasa Keuangan: Perlindungan Konsumen Pada Fintech. Departemen Perlindungan Konsumen, hal. 1-86. Retrieved from www.ojk.go.id
Otoritas Jasa Keuangan. (2016). Peraturan otoritas jasa keuangan Nomor 77/POJK.01/2016 tentang layanan pinjam meminjam uang berbasis teknologi informasi.
Otoritas Jasa Keuangan. (2018). Peraturan Otoritas Jasa Keuangan RI Nomor 13/POJK.02/2018 tentang Inovasi Keuangan digital di Sektor Jasa Keuangan .
Peraturan Bank Indonesia. (2017). Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial.
Prastika, Y. (2019). Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas perbankan syariah. In Universitas Islam Negeri Raden Intan Lampung. Lampung.
Profil BPR Anglomas Indah. (2020). BPR Anglomas Indah. http://www.bpramin.com/
Profil BPR Benta Tesa. (2020). BPR Benta Tesa. http://bentatesa.co.id/
Profil BPR Buduran Delta Purnama. (2020). BPR Buduran Delta Purnama. https://bprbdp.wordpress.com/
Profil BPR Delta Artha. (2020). BPR Delta Artha. Retrieved from http://bprdeltaartha.com/
Profil BPR Mitra Majujaya Mandiri. (2020). BPR Mitra Majujaya Mandiri. http://bprmitramajujayamandiri.co.id/
Profil BPR Pasar Bhakti. (2020). BPR Pasar Bhakti. http://www.bprpasarbhakti.co.id/
Profil BPR Sumber Arthawaru Agung. (2020). BPR Sumber Arthawaru Agung. http://bpr-sawa.co.id/
Profil BPR Wiradhana Putramas. (2020). BPR Wiradhana Putramas. http://bprwiradhana.com/
Puspita, N. T. (2019). Analisis Perbandingan Profitabilitas Perusahaan Sebelum dan Sesudah Penerapan E-Commerce (Studi Pada Perusahaan Sub Sector Retail Trade dalam Index Saham Syariah (ISSI) di Bursa Efek Indonesia). In Universitas Islam Negeri Walisongo. Semarang.
Rivai, V. D. (2013). Commercial Bank Management: Manajemen Perbankan Dari Teori ke Praktik. Jakarta: Rajawali Pers.
Setiyaningsih, N. (2018). Analisis Perbandingan Kinerja Keuangan Perbankan Sebelum dan Sesudah Penerapan Program Laku Pandai (Layanan Keuangan Tanpa Kantor Untuk Keuangan Inklusif).In Universitas Islam Negeri Sunan Kalijaga, Yogyakarta.
Sugiyono. (2012). Metode Penelitian Bisnis. Bandung: Alfabeta.
Sugiyono. (2014). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Undang-Undang Republik Indonesia. (1998). Undang Undang Nomor 10 Tahun 1998 tentang Perubahan atas UU Nomor 7 Tahun 1992.
Https://apjii.or.id/content/utama/39 . (2019). Hasil Survei Penetrasi dan Perilaku Pengguna Internet Indonesia 2017. Retrieved from Assosiasi Penyelenggara Jasa Internet Indonesia website: https://apjii.or.id/content/utama/39
https://fintech.id/about-us/ . (2019). Tentang Kami (Assosiasi Fintech Indonesia). Retrieved from Aftech Indonesia website: https://fintech.id/about-us/
Https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-30-Oktober-2019.aspx.(2019). Penyelenggara Fintech Terdaftar dan Berizin di OJK per 30 Oktober 2019. Retrieved from Ojk.Go.Id website: https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-30-Oktober-2019.aspx
https://pasardana.id/news/2019/10/2/berusia-2-tahun-akseleran-salurkan-pinjaman-rp70-miliar-per-bulan/#. (2019). Berusia 2 Tahun, Akseleran salurkan Pinjaman Rp. 70 Miliar per Bulan. Retrieved from Pasar dana website: https://pasardana.id/news/2019/10/2/berusia-2-tahun-akseleran-salurkan-pinjaman-rp70-miliar-per-bulan/#
Https://www.cbinsights.com/research-unicorn-companies. (2019). The Global Unicorn Club Current Private Companies Valued At $1B+. Retrieved from CB Insights website: https://www.cbinsights.com/research-unicorn-companies
https://www.cnbcindonesia.com/market/20190729091900-17-88153/banyak-kredit-macet-lps-tutup-6-bpr-bermasalah . (2019). Banyak kredit macet, LPS tutup 6 BPR bermasalah. Retrieved from https: //www.cnbcindonesia.com /market/20190729091900-17-88153/banyak-kredit-macet-lps-tutup-6-bpr bermasalah
https://www.internetworldstats.com/top20.htm. (2019). Top 20 Countries With The Highest Number Of Internet Users. Retrieved from Internet World Stats website: https://www.internetworldstats.com/top20.htm
Downloads
Published
How to Cite
Issue
Section
License
Copyright
You are free to:
Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
Adapt — remix, transform, and build upon the material for any purpose, even commercially.
The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
Attribution — You must give appropriate credit appropriate credit, provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
License
1. License to Publish
The article will be governed by the Attribution 4.0 International (CC BY 4.0). The author hereby grants Kompartemen an exclusive publishing and distribution license in the manuscript include tables, illustrations or other material submitted for publication as part of the manuscript (the “Article”) in print, electronic and all other media (whether now known or later developed), in any form, in all languages, throughout the world, for the full term of copyright, and the right to license others to do the same, effective when the article is accepted for publication. This license includes the right to enforce the rights granted hereunder against third parties.
2. Author’s Warranties
The author warrants that the article is original, written by stated author/s, has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
3. User Rights
Under the Creative Commons Attribution 4.0 International (CC BY 4.0) license, the author(s) and users are free to share (copy and redistribute the material in any medium or format for any purpose, even commercially.) and adapt (remix, transform, and build upon the material for any purpose, even commercially.). Users must give appropriate credit, provide a link to the license, and indicate if changes were made.
4. Rights of Authors
Authors retain the following rights:
Copyright, and other proprietary rights relating to the article, such as patent rights,
The right to use the substance of the article in future own works, including lectures and books,
The right to reproduce the article for own purposes, provided the copies are not offered for sale, and
The right to self-archive the article.
5. Co-Authorship
If the article was prepared jointly with other authors, the signatory of this form warrants that he/she has been authorized by all co-authors to sign this agreement on their behalf, and agrees to inform his/her co-authors of the terms of this agreement.
6. Royalties
This agreement entitles the author to no royalties or other fees. To such extent as legally permissible, the author waives his or her right to collect royalties relative to the article in respect of any use of the article by Kompartemen or its sublicensee.
7. Miscellaneous
Kompartemen will publish the article (or have it published) in the Journal if the article’s editorial process is successfully completed and Kompartemen or its sublicensee has become obligated to have the article published. Kompartemen Experiences may conform the article to a style of punctuation, spelling, capitalization, and usage that it deems appropriate.
