Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Perbankan Swasta Nasional di Indonesia Yang di Moderasi oleh Penggunaan Fintech

Abstract

This study aims to analyze the Factors Affecting the Performance of National Banks in Indonesia oderated by the Use of Fintehch. The data used in this research is secondary data collected from the financial reports of national private banks for the 2020-2024 period, with a total sample of 140 abservations. This study employs a quantitative approach and data analysis is conducted using panel data regression with the assistance of EViews software. The test results show that the Loan to Deposit Ratio has a significant effect on Return on Assets (ROA) in national private banks in Indonesia. Operational Expenses to Operating Income (BOPO) also significantly affect to ROA, and Non- Perforing Loans (NPL) have a significant impact to ROA. Furthermore, both the Loan to Deposit Ratio and BOPO significantly influence ROA when moderated by fintech. However, NPL does not have a significant effect on ROA when fintech is introduced as a moderating variable.