Article Per Year (5 Year)
p-Index From 2019 - 2024
1.037
P-Index
This Author published in this journals
All Journal JURNAL ANALIS LABORATORIUM MEDIK Jurnal Ilmiah Bakti Farmasi Journal Of Human And Education (JAHE) Bagimu Negeri : Jurnal Pengabdian Kepada Masyarakat IJFS
Sari, Evita
Unknown Affiliation
Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Nursing Public Health Social Sciences Other

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : IJFS

 1 
Determinants of BPR Competitiveness in New Normal Era: Empirical Study in Indonesia Sipahutar, Ida Rumondang; Sari, Evita; Warman, Azizah Surayya
The International Journal of Financial Systems Vol. 1 No. 2 (2023)
Publisher : Otoritas Jasa Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61459/ijfs.v1i2.38

Abstract

As the rural bank in Indonesia, Bank Perkreditan Rakyat (BPR) serves people with limited products and services and is less regulated compared to Commercial Banks. During the COVID-19 pandemic, the growth rate of BPR slowed down. We developed a hypothesis on the negative influence of financial technology (fintech) on the competitiveness and performance of BPR. Using all BPR companies and 22 Fintech Lending companies as samples to measure the HHI and Lerner Index, we found that BPR and Fintech Lending companies were competing in an unconcentrated market. Several variables could not be examined while studying the determinants of BPR’s competitiveness, including Regional GDP, BOPO, third party funds, Loan Credit, ROE, NIM, and CAR. Several determinants, such as the NPL, Fintech Lending, and COVID-19 pandemic, were found to have significant negative impacts on the BPR’s competitiveness. Interestingly, BPR’s banking digitalization, as represented by its IT capability, was found to be not significant in this study.
Co-Authors Deni, Rahma Doddy Rusli, Doddy Fatma Yuniarti, Fatma Fitriyani, Siska Has, Yulanda Ria Insih, Fifin Laili Ksatria, M. Zulfi Mulia Akbar Santoso Nurleni, Novi Putri, Nadia Ariana Rajagukguk, Desi Lustiyani Reza, M. Khalifah Rosa, Aprika Sembiring, Terang Uli. J Sipahutar, Ida Rumondang Sutarno Sutarno Warman, Azizah Surayya