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This Author published in this journals
All Journal Jurnal Mahupiki Dinamika : Jurnal Teknik Mesin BERITA BIOLOGI JITEK (Jurnal Ilmiah Teknosains) Bianglala Informatika : Jurnal Komputer dan Informatika Akademi Bina Sarana Informatika Yogyakarta Indonesian Journal on Software Engineering (IJSE) JWP (Jurnal Wacana Politik) Constitutional Review JURNAL TEKNIK INFORMATIKA DAN SISTEM INFORMASI Jurnal Pengabdian Farmasi Malahayati (JPFM) The International Journal of Business Review (The Jobs Review) EVOLUSI : Jurnal Sains dan Manajemen JURNAL ILMIAH MIMBAR DEMOKRASI Meteor STIP Marunda Jurnal Hukum Adigama Jurnal Lingkungan Binaan Indonesia Solidarity: Journal of Social Studies
Arief Hidayat
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Transportation Veterinary

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Journal : The International Journal of Business Review (The Jobs Review)

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The Effect of the Emergence of Fintech on the Financial Performance of the Banking Sector: A Case Study Using ROA, LDR, and CAR Ratios Arief Hidayat; Budi Rustandi Kartawinata
The International Journal of Business Review (The Jobs Review) Vol 6, No 1 (2023): The International Journal of Business Review. June 2023
Publisher : Fakultas Pendidikan Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/tjr.v6i1.55604

Abstract

The future business model of the Indonesian banking sector is determined by the development of information technology in the course of the digital revolutions. Recognizing the importance of this matter, this study aims to analyze the financial performance of the banking sector before and after the emergence of financial technology (fintech) companies. The study uses financial ratios, including return on assets (ROA), loan to deposit ratio (LDR), and capital adequacy ratio (CAR), to measure the performance of banks. Overall, the study suggests that the emergence of fintech has brought both challenges and opportunities for the banking sector.
Co-Authors Agus Leonard Togatorop Ahmad Redi Budi Rustandi Kartawinata Dara Fitriani Dewi Chusniasih Fajar Laksono Suroso Lita Asyriati Latif Liza erwina Marlina Marlina Mohamad Firdaus Muchammad Ali Safaat Muhammad Fendi Aditya Rudi Hermawan Rudy Hartadi Rudy Hartadi Rugayah Rugayah Sudarsono Theo J. Frans Kalangi Udjang Hafid Victor Gayuh Utomo Witono Hardi Yusa Djuyandi