Wijaya, Jennifer and Bustaman, Yosman (2020) The Effect of Electronic Banking (E-Banking) On Financial Performance and Risk: Evidence From indonesian Commercial Banks 2012-2018. Bachelor thesis, Swiss German University.

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Abstract

The purpose of this research is to investigate the relationship of each component of E-banking; ATM machines, E-money transactions and Internet Banking transactions towards Bank’s Financial Performance and Risk in Indonesian commercial banks. The relationship between E-banking components with Financial Performance and Risk are analyzed individually using panel data. The sample data included 50 of Indonesian commercial banks for the period of 2012-2018. The dependent variable to measure financial performance in this research are ROA & NIM, NPL are used to measure bank’s risk. The control variable in this research are Bank size, operating cost and LDR. This research find ATM, E-money and Internet Banking has positive relations toward ROA, but only E-money has significant impact towards ROA. Furthermore, ATM, E-money and Internet Banking has significant positive relationship toward NIM. This indicates the adoption of E-banking leads to a better performance of Indonesian bank. ATM and Internet Banking has significant positive relationship toward NPL; however, E-money has significant negative relationship with NPL. This may be indicating the adoption of E-banking has increase the risk profile of Indonesian commercial bank, except E-money transactions.

Item Type:	Thesis (Bachelor)
Uncontrolled Keywords:	ATM; E-money; Internet Banking; Financial Performance; Risk
Subjects:	H Social Sciences > HF Commerce > HF5001 Business H Social Sciences > HG Finance > HG1501-3550 Banking H Social Sciences > HG Finance > HG1708.7 Internet banking H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance.
Divisions:	Faculty of Business Administration and Communication > Department of Business Administration
Depositing User:	Faisal Ifzaldi
Date Deposited:	02 Nov 2020 14:09
Last Modified:	02 Nov 2020 14:09
URI:	http://repository.sgu.ac.id/id/eprint/1915

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