ANALISIS DAMPAK FINANCIAL TECHNOLOGY (FINTECH) TERHADAP PROFITABILITAS BANK SYARIAH (Studi Bank Syariah Mandiri, Bank BNI Syariah, dan Bank BRI syariah)

Ramadhon, Adam (2021) ANALISIS DAMPAK FINANCIAL TECHNOLOGY (FINTECH) TERHADAP PROFITABILITAS BANK SYARIAH (Studi Bank Syariah Mandiri, Bank BNI Syariah, dan Bank BRI syariah). Diploma thesis, UIN FAS BENGKULU.

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Abstract

ABSTRACT Analysis of The Impact of Financial Technology (FinTech) on The Profitability of Sharia Banks (Study of Bank Syariah Mandiri, Bank BRI Syariah and Bank BNI Syariah) by Adam Ramadhon, NIM 1711140040. Thepurpose of this study is to find out how big the impact of financial technology before and after adopting. To the profitability of Bank Syariah Mandiri, Bank BRI syariah and Bank BNI Syariah by comparing Return On Assets (ROA), Return On Equity (ROE) and Net Interest Margin (NIM). With a population of financial statements Shariahank which is then narrowed using purposive sampling. To uncover the issue in depth and thoroughly, researchers used quantitative methods with a comparative form to measure the impact before and after working with Fintech Start-Up on Sharia Banking Profitability with secondary data collection techniques inthe form of financial statements publicized by Sharia Banks on. spss version 22 program. Then the data is described, analyzed and discussed to answer the proposedproblem. From the results of this study, it was found that the research showed that in Bank Syariah Mandiri ROA and ROE variables have a positive effect after cooperating with Fintech Start-Up, and for NIM negative effect. For Bank Rakyat Indonesia (BRI) Sharia variables ROA, ROE and NIM have no effect. For Bank Negara Indonesia (BNI) Sharia variable ROA has a negative effect where for variable ROE and NIM has no effect

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