Pengaruh Mobile Banking, Kualitas Aset, Efisiensi Operasional, Likuditas dan Ukuran Perusahaan Terhadap Kinerja Keuangan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2018-2022

Abstract

This study aims to determine the effect of Mobile Banking, Asset Quality, Operational Efficiency, Liquidity, and Company Size on the Financial Performance of banks listed on the Indonesia Stock Exchange. Mobile Banking is measured by the frequency of M-banking transactions, Asset Quality is measured by the Non Performing Loan (NPL) ratio, Operational Efficiency is measured by the ratio of Operating Cost to Operating Income (BOPO), Liquidity is measured by the Loan to Deposit Ratio (LDR), Company Size is measured by total assets, and financial performance is measured by Return On Assets (ROA). This study is classified as an associative study with a causal relationship problem. The population in this study were all banking companies listed on the Indonesia Stock Exchange in 2018-2022. The sample in this study was 7 companies. The type of data used in this study is secondary data that can be downloaded from the respective banking websites and the website www.idx.co.id. The analysis method used is multiple regression analysis using the E-views program. The results of this study indicate that Mobile Banking has a positive and insignificant effect on the financial performance of banking companies listed on the IDX. Non-Performing Loans (NPL) have a negative and significant effect on the financial performance of banking companies listed on the IDX. Operating Cost to Operating Income (BOPO) have a negative and significant effect on the financial performance of banking companies listed on the IDX. Loan to Deposit Ratio (LDR) has a positive and significant influence on the financial performance of banking companies listed on the IDX. Company Size has a negative and insignificant influence on the financial performance of banking companies listed on the IDX.